Cheap Auto Insurance Quotes in Bountiful, UT (January 2022)

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Last Updated: January 2022

Car Insurance in Bountiful, UT

Drivers in Bountiful and other Utah cities should not go uninsured, as Utah law requires drivers to have car insurance. The average cost of Utah car insurance  is $198 per month, and while that’s a bit lower than national average rates, Utah drivers can get cheaper car insurance if they know where to look. Compare quotes with Insurify and find the right coverage for you today!

$108
$119
$137
$139
$141
ClearcoverNovoFreedom NationalLiberty MutualMidvale Home & Auto

Cheapest Car Insurance in Bountiful, UT

Auto insurance prices will vary between insurance companies. That’s because each insurance company weighs information like your driving record, your age, and your credit score differently. The following are the cheapest carriers in Bountiful on average, but it’s always important to shop around and compare car insurance quotes so you can find the absolute best rate for you.

Best Car Insurance in Bountiful, UT

You can get quality car insurance coverage options at a cheap rate in Bountiful, Utah, but you have to know where to look for them. Insurify analyzes multiple factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and ranks different car insurance providers. You can find some of the best auto insurance providers in Bountiful in the table below.

Average Car Insurance Cost

$130
$132
$119
$125
$130
$142
UtahSalt Lake CityProvoWest JordanOremBountiful
Click here to learn about car insurance quotes and save on your current policy.

Bountiful, UT Driving Facts

utah

 

Minimum Car Insurance Requirements in UT

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Utah are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Utah state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Utah law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Utah is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $3,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $3,000 is required for minimum coverage in Utah

Bountiful Car Insurance Rates by Driver Age

Age is yet another determining factor used by auto insurance providers. Young drivers, who are inexperienced drivers and historically more likely to get into accidents, will pay the most for auto insurance coverage while mature drivers in their 50s and 60s see the lowest monthly costs. The table below shows what you can expect to pay for car insurance in Utah based on your age.

Bountiful Car Insurance Rates by Driving and Accident History

Did you know that your driving record is one of the most important factors that insurance companies consider when determining your rates? Drivers with infractions like DUIs and speeding tickets will pay higher premiums, while drivers with clean records will see lower costs. Below is what you can expect to pay in Utah based on your driving record.

Bountiful Car Insurance Rates by Credit Tier

Your credit score is an important factor in determining your car insurance premiums. That’s because historical research shows that credit score can predict driver safety. People with good credit tend to file fewer claims while drivers with bad credit account for a higher percentage of paid claims. Below is what you can expect to pay in Utah based on your credit history.

Bountiful DMV Information

Nearly 44,000 people call Bountiful, Utah home, and all of them must make the short commute to Farmington to visit the DMV office. The DMV in Farmington is open from 8:00 a.m. to 5:00 p.m. on weekdays, and visitors are highly encouraged to make an appointment to avoid long wait times. The Farmington DMV is located at:

969 W Clark Ln

Farmington, UT 84025

Public Transportation in Bountiful 

Utah Transit Authority (UTA) route F605 runs through Bountiful, Utah allowing residents to get around the city by bus. A single ride fare costs $2.50, a day pass costs $5.00, and a monthly pass costs $85. Seniors and students can get discounts for their transportation. Uber and Lyft are also available in the area for people who prefer a more private ride. 

Still, most residents of Bountiful, Utah use their personal vehicles to get from point A to point B, and all drivers should make sure they’re properly insured before getting on the road.

How to Get the Cheapest Car Insurance in Bountiful

The best way to find the cheapest car insurance in Bountiful, Utah is to shop around and compare car insurance quotes. While you may think of comparing quotes as a painstaking process that involves calling multiple insurance agencies and spending hours on the phone with insurance agents,  Insurify is here to change that. 

At  Insurify, we’ll take care of all your insurance needs no matter what kind of coverage you’re looking for. We’ll show you multiple quotes side-by-side so you can find the best auto insurance policy for you. You can also use Insurify to shop for other insurance products like homeowners insurance and life insurance. It’s completely free to use and takes less than five minutes!

Insurify Insights: How Bountiful Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Bountiful, UT
suspended licenses
#30
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bountiful drivers measure up to their fellow Utah motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bountiful

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bountiful drivers rank 14 in the number of car accidents per driver across all cities in Utah.

  • Rank within state: #14
  • Percent of drivers in Bountiful with an accident: 11.86%
  • Drivers in Bountiful, UT with an accident in their driving history paid on average 44.06% more than drivers with a clean record

Speeding in Bountiful

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Bountiful drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Bountiful with a speeding ticket: 13.21%
  • Drivers in Bountiful, UT with a speeding ticket in their driving history paid on average 27.27% more than drivers with a clean record

DUI/DWIs in Bountiful

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bountiful drivers rank 26 in the number of DUI’s per driver across all cities in Utah.

  • Rank within state: #26
  • Percent of drivers in Bountiful with a DUI: 1.35%
  • Drivers in Bountiful, UT with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Bountiful

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bountiful is the Honda Civic.

Hybrid/Electric Vehicle Ownership in Bountiful

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bountiful drivers rank 21 in hybrid and electric vehicle ownership across all cities in Utah.

  • Rank within state: #21
  • Percent of drivers in Bountiful with a hybrid/electric vehicle: 0.77%

FAQs - Bountiful, UT Car Insurance

How do I find cheap car insurance in Bountiful, UT?

The best way to find cheap car insurance in Bountiful, Utah is to compare quotes with Insurify. We’ll provide you with quotes from national providers like Allstate and State Farm as well as quotes from local agencies so you can have peace of mind knowing you’ve found the cheapest car insurance policy available.

How much does car insurance cost in Bountiful, UT?

The average cost of Bountiful auto insurance is $121 per month, but no two drivers are the same. Your rates will differ depending on your driving record, your gender, your credit score, and more. To find the cheapest car insurance for you, shop around and compare quotes. The best and cheapest insurance company might be one you’ve never even heard of!

What drives up car insurance rates in Bountiful, UT?

Factors in your driving record such as a DUI or speeding ticket can drive up your premiums further. Your costs will also vary based on the type of car insurance policy you buy. For example, comprehensive coverage will be more expensive to policyholders than a liability only policy.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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