Cheapest Car Insurance Quotes In Taylorsville, UT For 2024

Auto-Owners is the most affordable choice in Taylorsville, with an average monthly rate of $45.

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Updated: 29 March 2024
Written by
Bob Phillips
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When searching for budget-friendly car insurance in Taylorsville, UT, there are several options to consider. However, one company, Auto-Owners, stands out for its competitive pricing. On average, residents can expect to pay around $45 per month for car insurance with Auto-Owners, which is significantly lower than the state’s average of $105.

For those interested in the most affordable liability-only coverage, Auto-Owners is the top choice. Meanwhile, individuals seeking more extensive protection will find that Auto-Owners also offers the best rates for full coverage policies, priced at $110 per month. Additionally, Nationwide provides the cheapest rates for young drivers, starting at $82 per month.

Cheapest Car Insurance Companies In Taylorsville, UT

Cheapest Car Insurance, Taylorsville, UT

Our Methodology

Using a broad examination that considers customer service ratings, available products, pricing, and a meticulous review of numerous online review platforms and user feedback, I've developed a comprehensive understanding of the car insurance provider landscape in Taylorsville, UT. This perspective is well-informed, drawing upon over 15 years of direct involvement in the industry as a licensed insurance agent. It incorporates extensive interactions with representatives from multiple companies and insights gained through firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Ogden, UT?

Auto-Owners provides the most affordable car insurance in Taylorsville, UT, offering coverage for $120 per month. Compared to the average rates in Utah and the entire United States, prices are significantly lower, as illustrated in the table below:

Area Average Monthly Rate
National $152
Utah $105
Taylorsville, UT $120

It’s important to note that the average national cost encompasses a wide range of states, from high-cost ones like New York, New Jersey, and California to low-cost states such as Mississippi, Kentucky, and Wyoming. Rates for car insurance can fluctuate based on various factors including vehicle type, coverage amount, zip code, driving history, and more. Therefore, the rates can vary significantly depending on location and individual circumstances.

Cheapest Car Insurance Rates In Taylorsville For Seniors

Nationwide offers car insurance quotes averaging $52 per month, making it the most affordable option for seniors in Taylorsville.

Provider Average Monthly Cost Average Annual Cost
Nationwide $52 $622
GEICO $92 $1,095
Progressive $93 $1,107
Farmers $101 $1,213
Allstate $104 $1,249

In Utah, seniors may often find favorable car insurance rates due to several beneficial factors. While age is commonly considered in insurance rate calculations, it’s important to note that older age doesn’t necessarily correlate with decreased driving ability for everyone.

Cheapest Car Insurance Rates In Taylorsville For Full Coverage

Auto-Owners provides the most affordable car insurance rates for full coverage in Taylorsville, with quotes averaging $110 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $125 $1,498
GEICO $194 $2,324
Allstate $205 $2,458
Auto-Owners $110 $1,314
State Farm $207 $2,482

Full coverage car insurance offers a comprehensive protective shield that extends beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Taylorsville For Minimum Coverage

Auto-Owners stands out as the most affordable car insurance provider for minimum coverage in Taylorsville, offering an average monthly cost of $45.

Provider Average Monthly Cost Average Annual Cost
GEICO $82 $982
Progressive $62 $742
Farm Bureau $50 $598
State Farm $94 $1,124
Auto-Owners $45 $538

The minimum car insurance policy should include, at the very least, the following coverages:

  • $25,000 for bodily injury per person
  • $65,000 for bodily injury per accident
  • $15,000 for property damage per accident

Having minimum car insurance offers some level of protection while driving, but it doesn’t include collision or comprehensive insurance. This means that damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Moreover, driving without insurance is against the law in Utah. Failing to provide proof of insurance during a traffic stop can lead to various penalties, including fines, license suspension, or other legal consequences.

Cheapest Car Insurance Rates In Taylorsville For Teenagers

Teenage drivers in Taylorsville can obtain the most affordable quotes from Nationwide, with average monthly premiums of $124.

Provider Average Monthly Cost Average Annual Cost
Nationwide $124 $1,489
GEICO $212 $2,550
Kemper $992 $11,902
Progressive $228 $2,760
Allstate $191 $2,292

Teenage drivers typically encounter the highest car insurance premiums, mainly due to their lack of experience on the road. Insurance providers view young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Taylorsville For Young Adults

Nationwide provides the most affordable quotes for young adults in Taylorsville, with rates averaging around $82 per month.

Provider Average Monthly Cost Average Annual Cost
Nationwide $82 $982
GEICO $98 $1,174
Kemper $167 $2,002
Allstate $109 $1,304
State Farm $214 $2,564

In Utah, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risky behaviors as drivers mature.

Statistically, young adults are less likely to make insurance claims, reflecting a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Taylorsville For Good Drivers

Auto-Owners offers the most affordable car insurance quotes for good drivers in Taylorsville, with rates averaging around $45 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $82 $982
Progressive $62 $742
Farm Bureau $50 $598
State Farm $94 $1,124
Auto-Owners $45 $538

Drivers with clean driving records in Taylorsville usually receive lower car insurance rates because they are seen as lower-risk individuals. Insurance companies assess driving records to determine how safely someone drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Since insurance rates are based on the probability of a driver making a claim, having a spotless driving record can result in considerable savings on premiums. It boils down to risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Taylorsville For Drivers With Prior Incidents

In Taylorsville, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, indicating a higher likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Taylorsville For Drivers With A Speeding Ticket

Auto-Owners stands out for its affordability compared to other insurance companies. With average rates of $112 per month, it offers a cost-effective option for customers.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $112 $1,342
Allstate $241 $2,890
Farm Bureau $320 $3,894
GEICO $252 $3,022
Progressive $162 $1,942

Cheapest Car Insurance Rates In Taylorsville For Drivers With An At-Fault Accident

Auto-Owners provides the most inexpensive car insurance quotes for drivers with an at-fault incident, offering an average rate of $193 per month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $193 $2,375
State Farm $259 $3,218
Geico $365 $4,378
Progressive $192 $2,302
Allstate $298 $3,574

Cheapest Car Insurance Rates In Taylorsville For Drivers After A DUI

Auto-Owners is the insurance company offering the most affordable rates for drivers with a DUI in Taylorsville. They provide average monthly premiums of $188, making them the cheapest option for these drivers.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $188 $2,319
State Farm $269 $3,286
Progressive $319 $3,623
Geico $337 $4,042
Allstate $407 $5,059

Best Car Insurance Companies In Taylorsville

For drivers in Taylorsville, selecting the appropriate car insurance company entails both finding affordable rates and ensuring reliable protection on the road. Below are the top 10 car insurance companies in Taylorsville, UT, ranked by the average monthly rate they offer.

Company Monthly Premium
USAA $83
Kemper Personal $90
Bear River $93
Kemper Auto $101
Esurance $101
ACCC $103
Clearcover $65
NatGen Custom 360 $109
Safeco $118
Nationwide $120

Average Car Insurance Rates By Age In Taylorsville

Age Average Yearly Rate
Teenagers $2,268
20s $1,476
30s $1,236
40s $1,080
50s $1,008
60s $1,176
70s $1,152

Age significantly influences car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums because of their lack of experience and statistically higher probability of accidents and traffic violations. As drivers approach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most advantageous insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies consider age as a measure of driving experience and risk, adjusting premium costs accordingly.

Average Car Insurance Rates By Vehicle Type In Taylorsville

Vehicle Average Monthly Rate
Dodge Grand Caravan $115
Nissan Altima $198
Hyundai Elantra $67
Dodge Charger $73
Ford F150 $130

The type of vehicle you drive plays a significant role in determining your car insurance costs. Insurance companies take into consideration factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers assess these factors because they directly impact the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Utah?

City Average Monthly Rate
Park City $110
Ogden $100
Saint George $101
Salt Lake City $112
Bountiful $95
Cache Junction $54
Cedar City $87
Clearfield $108
Layton $103
Logan $94

The city where you live has a notable influence on your car insurance rates. Insurance companies evaluate several factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Taylorsville?

Auto-Owners provides the most affordable car insurance rates in Taylorsville for both minimum coverage required by the State of Utah and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Taylorsville?

The average cost of car insurance in Taylorsville is approximately $120 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.

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