Compare Ogden Utah Auto Insurance Quotes

Need Better Auto Insurance in Ogden UT?

Whether you just got your driver’s license or you’ve been operating your vehicle for years, auto insurance significantly adds to your safety on the road.

Car insurance companies in Ogden advise drivers of all ages to purchase the policy that provides them with the best coverage. The state law of Utah requires all drivers to buy the minimum amount of car insurance.

Read more about available auto insurance coverages in Utah, how much Ogden drivers pay for car insurance monthly, and what are some of the top companies here.

Is Auto Insurance Required In Ogden, Utah?

Yes. The Utah state law requires all Utah drivers, including Ogden’s residents, to purchase the minimum car insurance. They are also obligated to carry proof of their purchased auto coverage for inspection by any law enforcement officer upon request.

Utah Car Insurance Coverages

Here are the most common types of coverage options:

Auto Liability Coverage

Auto liability coverage helps compensate for the damages to the other vehicle and passengers in which you are at fault. This liability insurance also helps compensate for the legal costs if you are sued.

Most states in the US require drivers to purchase this coverage.

Collision Coverage

Collision coverage helps the driver compensate for the damage caused to your vehicle by colliding with another car, a tree, or a building structure. Auto insurance companies will recommend this if you’re leasing or financing your vehicle.

Comprehensive Coverage

Comprehensive coverage helps the driver compensate for unforeseen events beyond their control. This may include falling branches, theft, vandalism, and so on. It’s important to check with your insurance agency for a deductible to see whether you will have to pay out-of-pocket before filing a claim.

Uninsured/Underinsured Motorist Coverage

Uninsured bodily motorist coverage (UIM) helps the driver compensate for the medical bills that the passenger(s) and they receive. It also covers damages from hit and runs. Underinsured motorist property damage coverage (UMPD) takes care of the damage to the vehicle.

Personal Injury Protection (PIP)

PIP helps the driver pay for the medical expenses when they or their passengers get injured in an accident. This insurance will help compensate the costs, regardless of who is at fault.

Disclaimer:

If your insurance agent recommends full coverage, they are referencing comprehensive and collision coverage + any other coverage required by your state.

What if your insurance lapses?

Drivers convicted without a policy can risk license and vehicle registration suspension. They’ll also be required to pay reinstatement fees.

Additional Coverages

Here are additional affordable car insurance coverages:

• Glass damage coverage
• Gap coverage
• Roadside assistance
• Rental car reimbursement
• Rideshare coverage
• Commercial Coverage

What is the most popular car in Utah?

The most popular vehicle type in Utah is the Ford-F Series. As a matter of fact, this is the most popular vehicle in 18 other states as well.

Ogden Auto Insurance Coverage Requirements

Here are the minimum requirements for UT car insurance:

• Bodily injury liability: $25,000 per person, $65,000 per accident
• Property damage liability: $15,000 per accident
• Personal injury protection: $3,000 per accident
• Uninsured motorist: $25,000 per person, $65,000 per accident
• Underinsured motorist: $25,000 per person, $65,000 per accident

How Much Do Drivers Pay For Car Insurance in Ogden?

Average rates for car insurance in Ogden UT are around $157, which is $16 cheaper than the national average.

Because Ogden has a smaller population, car owners here will pay a lower car insurance cost than in some other cities. Another advantage for Ogden drivers is that there is less risk of car accidents occurring here.

Multiple factors can influence the premium of your insurance in Ogden, UT. They are:

• Age
• Gender
• Driving record
• Annual mileage
• Profession
• Bundling policies

Mind you, young drivers are more likely to get a speeding ticket, and their insurance rate can jump to 32%.

Average Insurance Rates in Utah’s Cities

Here are the average rates for car insurance in Utah cities:

• Ogden: $134/mo
• Salt Lake City: $130/mo
• West Jordan: $125/mo
• Provo: $119/mo

Are There Any Discounts Available For Ogden Drivers?

Yes, car insurance in Ogden provides:

• Bundling discounts
• Student discounts
• Vehicle safety discounts
• Telematics discounts

Cheap Car Insurance Companies In Ogden UT

The cost of car insurance rates depends on the insurance providers. The following insurance companies offer the cheapest car insurance quotes in Ogden:

• American Family: $171/mo
• The General: $149/mo
• State Farm: $139/mo
• Allstate: $83/mo

Insurance rates can be based on your driving history. So, if you’re looking for car insurance Ogden with the cheapest quotes, you should keep a clean record.

Final Words

According to Utah state law, drivers are required to purchase car insurance in Ogden. However, depending on your city’s demographics, car insurance premiums may vary.

Auto insurance Ogden UT provides drivers with liability, collision, comprehensive, uninsured, underinsured, and personal protection coverage. Those seeking auto insurance in Ogden are entitled to bundling, student, vehicle safety, and telematics discounts.

Driving habits, age, gender, and profession are just some of the factors that can influence the cost of premiums.

We work with the top insurance companies. When searching for the best car insurance company, comparing quotes is key, and that’s why we’ve dedicated our time to help you get the most out of it.

Forget about filing out long forms.

Contact us now, and we’ll help find the best auto coverage in Utah for YOU!