Cheapest Auto Insurance in Midvale, Utah (2025)

USAA has the cheapest liability insurance in Midvale, starting at $69 per month.

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Cheapest recent rates near Midvale, Utah

Recent Midvale, Utah car insurance prices for Chevrolet, Audi, Ford , and more.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Melanie Lockert
Written byMelanie Lockert
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Melanie Lockert
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Located in the Salt Lake City metropolitan area, Midvale, Utah, has a population of around 35,000 people. The average cost of liability insurance in Midvale is $123 per month, which is higher than the Utah state average of $110 and the national average of $105.

Midvale drivers may pay higher rates on average because of the city’s high population density of around 6,000 people per square mile.[1] Drivers also face a higher risk of damage to their vehicles and other property during the winter due to high amounts of snowfall and the potential of flooding from snowmelt.

Here’s what you should know about finding cheap car insurance in Midvale, including how various incidents can affect your rates and how to compare quotes.

Quick Facts
  • USAA, Root, and Auto-Owners have the cheapest liability insurance in Midvale.

  • Midvale drivers pay $193 per month for full-coverage car insurance, on average. For comparison, the average cost of full coverage is $179 per month in Utah and $105 in the U.S.

  • Utah is a no-fault state, which means all drivers involved in an accident must file claims with their insurers for bodily injury, regardless of who caused the accident.[2]

3 of the cheapest car insurance companies in Midvale

Midvale drivers looking for affordable car insurance coverage have a number of options, but a few stand out with competitive pricing and unique perks for certain types of drivers. The type of coverage you settle on will depend on your unique needs and driving history.

Learn more about coverage from Auto-Owners, USAA, and State Farm below. The insurance costs below reflect statewide average quotes in Utah.

Insurance Company
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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
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Liability Only
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Best For
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Auto-Owners8.5$115$78Cheap rates
USAA9.4$94$64Veterans
State Farm9.3$125$85Teen drivers
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo
4.0
Best choiceBased on 172 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (108)

Gerld

March 26, 2025

Verified Review

Worthwhile Insurance

My overall experience has been very good!

Sandra

March 24, 2025

Verified Review

Who is my agent?

The service is fair, but it depends on which function was performed.

Mike

March 21, 2025

Verified Review

Just Wow

The good thing is that the company I work with is family-oriented. The bad thing is that my rate was tripled without any notice.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners offers cheap liability and full-coverage options and has a number of discounts — including three for teen drivers. The company provides customizable auto coverage options and also sells home, business, and life insurance.

Pros
  • Discount options for teen drivers

  • Great bundling options, including with life insurance

  • Offers gap insurance

Cons
  • Low customer review ratings on Better Business Bureau (BBB) and Trustpilot

  • Below-average ranking in the J.D. Power 2023 U.S. Auto Insurance Study

  • Poor mobile app ratings

Best insurer for veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo
4.9
Best choiceBased on 1,838 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,059)

Donald

March 26, 2025

Verified Review

Unsatisfactory Experience for Veterans

They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.

Tammie

March 26, 2025

Verified Review

USAA

USAA has always been quick to respond. However, they don't really fight for their policy holders.

Michael

March 25, 2025

Verified Review

Other than that, they're great

The car coverage cost goes up a little too high.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is the premier car insurance company for military members, veterans, and their eligible family members. The company offers the lowest liability and full-coverage insurance options in Midvale. The company has a limited amount of additional auto coverage options.

Pros
  • Lowest liability coverage

  • Variety of discounts 

  • Has a pay-as-you-drive option

Cons
  • Low customer review ratings on BBB and Trustpilot

  • Coverage only available to active, reserve, and retired military members and their families

  • Limited add-on coverage options

Best insurer for teen drivers: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$93/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo
4.2
Best choiceBased on 10,204 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,623)

Brent

March 26, 2025

Verified Review

Underwhelmed

The premiums have significantly increased over the years.

James

March 26, 2025

Verified Review

Good

Good, but I'm looking for a discount for full coverage.

Michael

March 26, 2025

Verified Review

Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.

Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. insurer selling personal auto insurance. Teen drivers can benefit from a number of savings opportunities, including the Drive Safe & Save and Steer Clear programs and good student, driver training, and student away at school discounts.

Pros
  • Can bundle coverages

  • AM Best financial strength rating of A++ (Superior)

  • Offers rideshare insurance

Cons
  • Doesn’t have gap insurance

  • Fewer discounts than some competitors

  • Higher rates for drivers with incidents

How to get the cheapest car insurance in Midvale

Besides working on maintaining a clean driving record, you can take certain steps to secure the best rates in Midvale. Consider the following tips:

  • Shop around. Review quotes from several insurers to compare rates, perks, deductibles, discounts, and more. Don’t settle for the first cheap rate you find.

  • Review eligible discounts. Finding the right discounts can help you reduce your overall car insurance costs. Some companies offer discounts for good drivers, teen drivers, and bundling.

  • Adjust your deductible. Selecting a higher deductible is one way to save on monthly car insurance premiums. Make sure you can pay the deductible if needed.

  • Work with an agent. Some companies have insurance agents who can help you through the insurance-buying process and answer any questions you may have.

Find Cheap Car Insurance in Midvale

Liability rates start at $69 per month

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Cheapest liability-only car insurance in Midvale: USAA

To drive legally in Utah, you need a valid driver’s license and the state’s minimum required auto coverage. Liability coverage pays for the other driver’s property damage and bodily injuries you cause in an accident. In other words, it covers your liability. This type of coverage doesn’t include any payment or reimbursement for damages that you may incur.[3]

Liability insurance in Midvale costs an average of $123 per month. Here are the cheapest liability-only car insurance options in Midvale.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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USAA$69
Root$81
Auto-Owners$84
Sun Coast$91
State Farm$93
National General$98
Progressive$99
GEICO$100
American Family$119
Dairyland$124
Safeco$127
Allstate$127
The General$133
GAINSCO$136
Nationwide$138
Bristol West$148
Farmers$163
Liberty Mutual$215
State Auto$215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Midvale: USAA

If you want more than liability-only coverage — which only covers the other driver — you can consider getting full-coverage car insurance. This coverage typically includes a combination of liability, collision, and comprehensive coverages to extend coverage to your vehicle.

This additional coverage can provide you with more financial security and protection in various situations. Your auto lender or dealership may require you to purchase a full-coverage policy if you lease or finance your vehicle.

Midvale drivers pay a monthly average of $193 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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USAA$103
Root$122
Auto-Owners$126
State Farm$137
Progressive$146
GEICO$148
Sun Coast$148
Safeco$157
National General$169
American Family$176
Allstate$188
Nationwide$205
The General$208
Farmers$244
Liberty Mutual$259
Dairyland$259
Bristol West$264
GAINSCO$293
State Auto$319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Midvale, Utah

Recent Midvale, Utah car insurance prices for Honda, Ford, Chevrolet , and more.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Utah

To comply with state law, Midvale drivers must carry a minimum of bodily injury liability, property damage liability, and personal injury protection (PIP) coverage. Utah is a no-fault state, which means that each party has no-fault coverage following an accident, regardless of fault. PIP insurance covers medical expenses for you and your passengers.

The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.[4] The table below reflects the change in requirements:

Coverage
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2024 Coverage Limits
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2025 Coverage Limits
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Bodily injury liability$25,000 per person / $65,000 per accident$30,000 per person / $65,000 per accident
Property damage liability$15,000 per accident$25,000 per accident
Personal injury protection (PIP)$3,000$3,000

You may want to secure coverage beyond the minimum limits for protection in many different situations. Here are some common optional coverage types to consider:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you hit another car or an object, collision insurance can help pay for your vehicle damages.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    For damage caused by non-collision incidents, comprehensive coverage can fill the gaps. The policy can cover damage from vandalism, severe weather, falling objects, and more.[5]

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Unfortunately, some drivers don’t comply with the state’s car insurance laws. Uninsured/underinsured motorist coverage can help if you get into an accident with an uninsured or underinsured driver.

Cheapest car insurance for drivers with an incident

Your driving record is one of the top factors insurance companies consider when determining your premium. Drivers with a clean record typically pay the lowest rates, but accidents happen. You might have an incident on your record that increases your risk profile and leads to higher insurance costs.

How much your rates increase depends on the type, severity, and frequency of incidents on your record. For example, speeding tickets tend to result in less significant cost increases than at-fault accidents. And a driving under the influence conviction typically increases premiums by a lot — due to the severity of the offense.[6]

In Midvale, drivers with a past incident pay $150 per month for liability coverage and $236 for full-coverage insurance.

Find Car Insurance in Midvale After an Incident

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

If you get a speeding ticket in Midvale, you have to pay a fine based on the speed recorded and how much it exceeded the posted limit. The lowest fine is $160 for going up to 10 miles per hour over the limit. The highest fee is $380 for exceeding the speed limit by 26 to 30 miles per hour. Midvale drivers going more than 31 miles per hour over the limit need to go to court.[7]

Your car insurance premium will also likely increase, though a single speeding ticket shouldn’t have a significant effect on your costs. The average cost of liability coverage for Midvale drivers with a past speeding ticket is $166 per month.

Here are the cheapest car insurance quotes for Midvale drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
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With Speeding Ticket
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USAA$69$88
Root$81$113
Auto-Owners$84$109
Sun Coast$91$123
State Farm$93$118
National General$98$125
Progressive$99$126
GEICO$100$128
American Family$119$153
Dairyland$124$158
Safeco$127$166
Allstate$127$162
The General$133$177
GAINSCO$136$186
Nationwide$138$178
Bristol West$148$192
Farmers$163$209
Liberty Mutual$215$293
State Auto$215$301
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

A car accident can seriously affect your future car insurance premiums. If you cause a car accident, your car insurance company may view you as a high-risk driver and increase your rates accordingly.

On average, Midvale drivers with a past accident pay $168 per month for liability insurance. Here are the cheapest liability car insurance options for Midvale drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$69$91
Root$81$116
Auto-Owners$84$112
Sun Coast$91$125
State Farm$93$122
National General$98$128
Progressive$99$133
GEICO$100$132
American Family$119$158
Dairyland$124$163
Safeco$127$172
Allstate$127$168
The General$133$180
GAINSCO$136$172
Nationwide$138$184
Bristol West$148$196
Farmers$163$215
Liberty Mutual$215$300
State Auto$215$309
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Getting a DUI in Utah can lead to costly expenses and the suspension of your driver’s license for a time. The severity of the consequences in Utah depends on whether you’ve had one or multiple DUI offenses.[8]

Your car insurance premiums will increase significantly after a DUI. To find lower rates after a DUI in Utah, you may need to shop around and compare your options. The average cost of liability coverage for Midvale drivers with a past DUI is $193 per month. Start your search with some of the cheapest liability insurance options in Midvale below.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$69$110
Root$81$117
Auto-Owners$84$134
Sun Coast$91$143
State Farm$93$149
National General$98$157
Progressive$99$158
GEICO$100$160
American Family$119$190
Dairyland$124$198
Safeco$127$195
Allstate$127$203
The General$133$212
GAINSCO$136$217
Nationwide$138$220
Bristol West$148$236
Farmers$163$260
Liberty Mutual$215$343
State Auto$215$343
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Your age is another factor that can influence your car insurance rates. Car insurance premiums tend to decrease steadily for drivers between the ages of 35 and 70. As drivers gain more experience and have a lengthy driving history, rates decrease. Residents age 65 and older make up 8.6% of the population in Midvale, according to U.S. Census data.[1]

Senior drivers typically earn some of the cheapest rates by driver age, but rates start to increase again around age 70. Though senior drivers have a lot of driving experience, auto insurers may start to account for potential risk factors related to aging, including challenges with vision or coordination.[9]

On average, the cost of coverage for Midvale senior drivers is $98 per month for liability and $155 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$54$81
Auto-Owners$65$98
Root$68$102
Progressive$69$102
State Farm$71$104
Sun Coast$73$119
National General$73$126
GEICO$78$115
American Family$92$136
Dairyland$98$204
Allstate$100$148
Nationwide$101$150
The General$104$163
Safeco$107$133
GAINSCO$111$240
Bristol West$117$208
Farmers$124$186
State Auto$164$243
Liberty Mutual$175$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers often pay the highest rates among all drivers because they lack driving experience. Data shows that this age group tends to engage in risky driving behaviors that lead to more fatal accidents.[10]

To earn lower rates as a teen driver, you should look for insurance companies that offer discounts geared toward young drivers, such as a good student discount, and join your parents’ existing car insurance policy.

On average, teen drivers in the city pay $212 per month for liability insurance and $333 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$120$178
Root$124$187
Auto-Owners$143$214
Sun Coast$157$256
State Farm$166$244
GEICO$166$246
Progressive$176$259
National General$195$336
Dairyland$200$417
American Family$210$310
The General$215$336
Allstate$235$348
GAINSCO$238$512
Safeco$251$310
Nationwide$251$373
Bristol West$254$453
Farmers$292$437
Liberty Mutual$371$447
State Auto$390$579
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Midvale, Utah

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Midvale car insurance quotes by credit tier

Midvale car insurance rates vary based on many factors, including your credit history. Insurance companies in the state can review your credit-based insurance score to assess the level of risk you pose. If you have a poor credit history, you’ll likely pay higher rates than drivers with good or excellent credit.

Though insurers in Utah can consider your credit history, the state limits how companies can use it. For example, your insurer can’t cancel an existing auto policy due to your credit score if you’ve been a customer for 60 days. And credit can’t be the sole factor used for assessing risk.[11]

Here are the average full-coverage insurance quotes by credit tier in Midvale.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Midvale?

At $123 per month for liability and $193 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $110 per month for liability and $179 for full-coverage insurance, on average. The national average cost of car insurance is $105 per month for liability and $197 for full coverage.

Midvale drivers may face more expensive rates because the city has a relatively high population density, and during winter months, drivers face an added risk of property damage from snowfall and snowmelt.

More cities in Utah

Because car insurance rates vary by a ZIP code’s population density, crime rates, and more, Utah drivers pay different average rates depending on what city they live in. Compare average quotes in different Utah cities below.

City
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Ogden$106$166
Orem$116$188
Provo$120$199
Salt Lake City$119$183
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Midvale car insurance FAQs

Before shopping around for car insurance, you should decide how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Midvale, Utah.

  • How much is car insurance in Midvale, Utah?

    Midvale drivers pay $123 per month for liability car insurance and $193 for full-coverage insurance. Your specific car insurance premium depends on your driving record, vehicle type, chosen coverage, and more.

  • What companies in Midvale have the cheapest auto insurance?

    USAA offers the cheapest liability insurance in Midvale, with a rate of $69 per month. Root and Auto-Owners also have affordable minimum coverage, with respective liability rates of $81 and $84 per month. The best way to find cheap coverage is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Midvale?

    With a high Insurify Quality (IQ) Score of 9.3 out of 10 and an A++ (Superior) AM Best financial strength rating, State Farm is one of the best insurance companies in Midvale. On average, Utah drivers with coverage from State Farm pay $85 per month for liability coverage and $125 for full coverage. Other top insurers include Auto-Owners, Travelers, and USAA.

  • How much car insurance is required in Utah?

    Utah drivers must carry a minimum amount of car insurance, including $30,000 per person and $65,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $3,000 per accident in personal injury protection (PIP) coverage.

  • Is Utah a no-fault state?

    Yes. Utah is a no-fault state. This means that each driver involved in an accident must file a claim with their own auto insurer to cover their own injuries, regardless of who caused the accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Midvale city, Utah."
  2. NOLO. "Guide to Utah Car Accident Laws."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
  5. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Midvale City Hall. "Traffic Citations & Plea in Abeyance Traffic School."
  8. Utah Department of Public Safety. "DUI Suspension Times."
  9. National Highway Traffic Safety Administration. "Older Drivers."
  10. Centers for Disease Control and Prevention. "Teen Drivers."
  11. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Melanie has been a contributor at Insurify since November 2022.

Katie Powers
Edited byKatie PowersSenior Editor
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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