Cheapest Auto Insurance in Midvale, Utah (2025)

USAA has the cheapest liability insurance in Midvale, starting at $83 per month.

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Cheapest recent rates near Midvale, Utah

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $87/mo for full coverage in Midvale and other Utah cities.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Melanie 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 $117 per month, which is higher than the Utah state average of $105 and the national average of $107.

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 National General have the cheapest liability insurance in Midvale.

  • Midvale drivers pay $176 per month for full-coverage car insurance, on average. For comparison, the average cost of full coverage is $158 per month in Utah and $107 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
sort ascsort desc
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
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$110$92Cheap rates
USAA9.1$90$76Veterans
State Farm9.3$120$101Teen 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
3.9
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.
8.2 /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.
$101/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.
$120/mo
3.9
A solid optionBased on 208 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 (122)
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
Shontia
Verified Review
Okay Service
Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
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.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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.
9.1 /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.
$83/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.
$99/mo
4.9
Best choiceBased on 2,123 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 (1,203)
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
4.1
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.
$111/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.
$131/mo
4.1
Best choiceBased on 11,359 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 (6,073)
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on July 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on July 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
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.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 $83 per month

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ProgressiveLiberty MutualAllstate

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 $117 per month. Here are the cheapest liability-only car insurance options in Midvale.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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USAA$83
Root$92
National General$92
Sun Coast$100
Auto-Owners$101
Progressive$104
State Farm$111
GEICO$119
The General$129
Clearcover$130
Safeco$139
American Family$142
Dairyland$145
Allstate$152
Direct Auto$157
Bristol West$157
GAINSCO$159
Nationwide$166
Farmers$195
Liberty Mutual$219
State Auto$257
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $176 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$99
Auto-Owners$120
State Farm$131
Root$137
GEICO$140
Sun Coast$149
Progressive$153
National General$158
Safeco$165
American Family$167
Clearcover$171
Allstate$180
Nationwide$197
The General$200
Farmers$232
Direct Auto$240
Liberty Mutual$248
Bristol West$270
Dairyland$290
State Auto$305
GAINSCO$311
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $87/mo for full coverage in Midvale and other Utah cities.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 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
sort ascsort desc
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 $138 per month for liability coverage and $207 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 $145 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$83$102
Root$92$119
National General$92$113
Sun Coast$100$124
Auto-Owners$101$125
Progressive$104$129
State Farm$111$135
GEICO$119$150
The General$129$168
Clearcover$130$166
Safeco$139$176
American Family$142$176
Dairyland$145$178
Allstate$152$186
Direct Auto$157$194
Bristol West$157$195
GAINSCO$159$187
Nationwide$166$205
Farmers$195$240
Liberty Mutual$219$273
State Auto$257$320
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $151 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$83$106
Root$92$116
National General$92$117
Sun Coast$100$129
Auto-Owners$101$128
Progressive$104$135
State Farm$111$140
GEICO$119$143
The General$129$172
Clearcover$130$187
Safeco$139$187
American Family$142$182
Dairyland$145$186
Allstate$152$193
Direct Auto$157$207
Bristol West$157$202
GAINSCO$159$198
Nationwide$166$213
Farmers$195$249
Liberty Mutual$219$284
State Auto$257$331
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $145 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$83$115
Root$92$127
National General$92$127
Sun Coast$100$124
Auto-Owners$101$139
Progressive$104$129
State Farm$111$153
GEICO$119$164
The General$129$178
Clearcover$130$179
Safeco$139$196
American Family$142$196
Dairyland$145$200
Allstate$152$210
Direct Auto$157$217
Bristol West$157$217
GAINSCO$159$219
Nationwide$166$229
Farmers$195$269
Liberty Mutual$219$302
State Auto$257$355
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $100 per month for liability and $150 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$67$80
National General$71$121
Root$77$115
Auto-Owners$81$96
Sun Coast$85$127
State Farm$87$102
Progressive$89$130
GEICO$93$110
The General$104$161
American Family$113$133
Clearcover$113$149
Dairyland$118$235
Safeco$120$143
Direct Auto$123$188
Allstate$123$146
Nationwide$125$149
Bristol West$128$220
GAINSCO$132$258
Farmers$153$182
Liberty Mutual$182$207
State Auto$196$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $239 per month for liability insurance and $359 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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USAA$160$191
Root$170$253
National General$196$336
Auto-Owners$196$232
Sun Coast$204$304
Progressive$212$312
State Farm$221$261
GEICO$225$264
The General$234$363
Clearcover$242$319
Dairyland$256$511
American Family$278$327
Bristol West$297$511
Safeco$299$354
GAINSCO$313$612
Allstate$313$370
Direct Auto$324$495
Nationwide$337$400
Farmers$390$464
Liberty Mutual$417$473
State Auto$643$764
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 $117 per month for liability and $176 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $105 per month for liability and $158 for full-coverage insurance, on average. The national average cost of car insurance is $107 per month for liability and $192 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
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Liability Only
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Full Coverage
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Ogden$101$145
Orem$111$156
Provo$111$164
Salt Lake City$114$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $117 per month for liability car insurance and $176 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 $83 per month. Root and National General also have affordable minimum coverage, with respective liability rates of $92 and $92 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 $101 per month for liability coverage and $120 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 500+ 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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