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

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Last Updated: January 2022

Car Insurance in Clearfield, UT

The average cost of Utah car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clearfield, UT to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Clearfield, UT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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UtahSalt Lake CityProvoWest JordanOremClearfield
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Clearfield, 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

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Insurify Insights: How Clearfield Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Clearfield, UT
suspended licenses
#12
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 Clearfield 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 Clearfield

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. Clearfield drivers rank 10 in the number of car accidents per driver across all cities in Utah.

  • Rank within state: #10
  • Percent of drivers in Clearfield with an accident: 12.4%
  • Drivers in Clearfield, UT with an accident in their driving history paid on average 50.38% more than drivers with a clean record

Speeding in Clearfield

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Clearfield drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Clearfield with a speeding ticket: 13.07%
  • Drivers in Clearfield, UT with a speeding ticket in their driving history paid on average 39.1% more than drivers with a clean record

DUI/DWIs in Clearfield

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clearfield drivers rank 17 in the number of DUI’s per driver across all cities in Utah.

  • Rank within state: #17
  • Percent of drivers in Clearfield with a DUI: 2.01%
  • Drivers in Clearfield, UT with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Clearfield

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Utah, Clearfield drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Clearfield with a reckless driving violation: 4.02%
  • Drivers in Clearfield, UT with a reckless driving violation in their driving history paid on average 27.07% more than drivers with a clean record.

Safest Drivers in Clearfield

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Clearfield drivers rank 9 in clean driving records across all cities in Utah.

  • Rank within state: #9
  • Percent of drivers in Clearfield with clean record: 75.21%

Failure to Yield the Right of Way in Clearfield

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Clearfield drivers rank 1 in failure to yield violations per driver across all cities in Utah.

  • Rank within state: #1
  • Percent of drivers in Clearfield with a failure to yield violation: 1.51%
  • Drivers in Clearfield, UT with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Clearfield

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Utah, Clearfield drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Clearfield with a reckless driving offense: --%

Most Popular Vehicle in Clearfield

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Clearfield is the Ford F-Series Pickup.

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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