Cheapest Auto Insurance in Midvale, Utah (2026)
USAA has the cheapest liability insurance in Midvale, starting at $62 per month.
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Written byMelanie Lockert
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Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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 $106 per month, which is higher than the Utah state average of $92 and the national average of $97.
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, Auto-Owners, and State Farm have the cheapest liability insurance in Midvale.
Midvale drivers pay $157 per month for full-coverage car insurance, on average. For comparison, the average cost of full coverage is $147 per month in Utah and $97 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  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $106 | $69 | Cheap rates |
| USAA | 9.1 | $87 | $57 | Veterans |
| State Farm | 9.3 | $116 | $76 | Teen 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 | 4.3 |
|---|---|
| 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. | $76/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. | $117/mo |
4.3
Best choiceBased on 329 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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. | $62/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. | $96/mo |
4.9
Best choiceBased on 3,438 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 5 Utah reviews for Midvale driversSee all 1,535 USAA reviews
Verified Review
Reviewed in Utah on February 27, 2026
Excellent, you need someone in the family to be military or a veteran. I just got a check from the subscriber account USAA uses as a safety valve. This check basically paid for 6 months of coverage.
Verified Review
Reviewed in Utah on November 18, 2025
Premiums have risen dramatically this past year. I have had this insurance for over 40 years but need to look elsewhere.
Verified Review
Reviewed in Utah on September 21, 2025
My experience is good other than the way USAA DriveSafe works! Hard braking is unfairly recorded; there are times when other drivers cut a person off and cause hard braking.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 4.0 |
|---|---|
| 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. | 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. | $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. | $127/mo |
4.0
Best choiceBased on 17,183 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 12 Utah reviews for Midvale driversSee all 7,403 State Farm reviews
Verified Review
Reviewed in Utah on April 15, 2026
Costs too much, no real good discounts.
Verified Review
Reviewed in Utah on April 10, 2026
I'd say shop around for senior discounts. The service is excellent, but their prices are prohibitive. I think I'm going to look around for a price I can afford. Everything is so expensive.
Verified Review
Reviewed in Utah on March 15, 2026
I have been with them for over 25 years and they give me a loyalty discount. I have to watch closely because sometimes they have things on the policy that I don't have anymore, like watercraft, motorhome, etc. I thought it was high, but no one has beaten their price. I have my condo on there and a $1,000,000 umbrella. I have good coverage for accidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 $62 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 $106 per month. Here are the cheapest liability-only car insurance options in Midvale.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $62 |
| Auto-Owners | $76 |
| National General | $83 |
| State Farm | $83 |
| GEICO | $89 |
| The General | $98 |
| Sun Coast | $99 |
| American Family | $106 |
| Root | $111 |
| Allstate | $113 |
| Clearcover | $120 |
| Freedom National | $123 |
| Direct Auto | $124 |
| Nationwide | $124 |
| Safeco | $133 |
| Bristol West | $135 |
| Dairyland | $135 |
| GAINSCO | $143 |
| Farmers | $146 |
| State Auto | $193 |
| Liberty Mutual | $194 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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 $157 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $96 |
| Auto-Owners | $117 |
| State Farm | $127 |
| GEICO | $137 |
| Sun Coast | $138 |
| Root | $161 |
| American Family | $162 |
| Safeco | $163 |
| Allstate | $174 |
| Clearcover | $177 |
| National General | $181 |
| Nationwide | $190 |
| Direct Auto | $194 |
| The General | $198 |
| Liberty Mutual | $208 |
| Freedom National | $219 |
| Farmers | $225 |
| Bristol West | $229 |
| GAINSCO | $249 |
| Dairyland | $253 |
| State Auto | $295 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Midvale, Utah drivers
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $82/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 April 16, 2026. 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 April 16, 2026. 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 April 16, 2026. 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 April 16, 2026. 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 | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| 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:
Collision coverage
If you hit another car or an object, collision insurance can help pay for your vehicle damages.
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]
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 $126 per month for liability coverage and $187 for full-coverage insurance.
Find Car Insurance in Midvale After an Incident
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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 $128 per month.
Here are the cheapest car insurance quotes for Midvale drivers with a speeding ticket.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $62 | $79 |
| Auto-Owners | $76 | $97 |
| State Farm | $83 | $103 |
| GEICO | $89 | $114 |
| Sun Coast | $99 | $119 |
| The General | $98 | $129 |
| American Family | $106 | $135 |
| Allstate | $113 | $144 |
| Root | $111 | $145 |
| Freedom National | $123 | $148 |
| Clearcover | $120 | $150 |
| Direct Auto | $124 | $153 |
| Nationwide | $124 | $158 |
| Dairyland | $135 | $165 |
| Bristol West | $135 | $167 |
| GAINSCO | $143 | $168 |
| Safeco | $133 | $172 |
| Farmers | $146 | $184 |
| Liberty Mutual | $194 | $242 |
| State Auto | $193 | $252 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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 $145 per month for liability insurance. Here are the cheapest liability car insurance options for Midvale drivers with an at-fault accident.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $62 | $85 |
| Auto-Owners | $76 | $102 |
| State Farm | $83 | $112 |
| GEICO | $89 | $119 |
| Sun Coast | $99 | $135 |
| The General | $98 | $137 |
| American Family | $106 | $145 |
| Root | $111 | $151 |
| Allstate | $113 | $154 |
| Freedom National | $123 | $168 |
| Nationwide | $124 | $170 |
| Direct Auto | $124 | $172 |
| Clearcover | $120 | $174 |
| Bristol West | $135 | $181 |
| Dairyland | $135 | $181 |
| GAINSCO | $143 | $186 |
| Safeco | $133 | $188 |
| Farmers | $146 | $198 |
| Liberty Mutual | $194 | $262 |
| State Auto | $193 | $268 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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 $129 per month. Start your search with some of the cheapest liability insurance options in Midvale below.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $62 | $82 |
| Auto-Owners | $76 | $101 |
| State Farm | $83 | $110 |
| GEICO | $89 | $117 |
| Sun Coast | $99 | $121 |
| The General | $98 | $125 |
| American Family | $106 | $141 |
| Root | $111 | $149 |
| Freedom National | $123 | $150 |
| Allstate | $113 | $150 |
| Clearcover | $120 | $160 |
| Direct Auto | $124 | $165 |
| Nationwide | $124 | $165 |
| Bristol West | $135 | $180 |
| Dairyland | $135 | $180 |
| Safeco | $133 | $188 |
| GAINSCO | $143 | $190 |
| Farmers | $146 | $194 |
| State Auto | $193 | $245 |
| Liberty Mutual | $194 | $258 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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 $90 per month for liability and $133 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $50 | $77 |
| Auto-Owners | $60 | $92 |
| State Farm | $65 | $99 |
| GEICO | $70 | $108 |
| The General | $83 | $167 |
| American Family | $84 | $128 |
| Sun Coast | $84 | $117 |
| Allstate | $91 | $140 |
| Root | $92 | $134 |
| Nationwide | $94 | $144 |
| Direct Auto | $101 | $157 |
| Freedom National | $104 | $186 |
| Clearcover | $105 | $156 |
| Bristol West | $112 | $189 |
| Dairyland | $114 | $213 |
| Farmers | $115 | $177 |
| Safeco | $115 | $141 |
| GAINSCO | $121 | $211 |
| State Auto | $145 | $221 |
| Liberty Mutual | $160 | $172 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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 $203 per month for liability insurance and $300 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.
The below rates in Midvale, UT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $118 | $182 |
| Auto-Owners | $158 | $244 |
| State Farm | $165 | $253 |
| GEICO | $165 | $255 |
| The General | $180 | $365 |
| Sun Coast | $189 | $264 |
| Root | $199 | $288 |
| Clearcover | $203 | $300 |
| American Family | $206 | $315 |
| Allstate | $229 | $353 |
| Freedom National | $235 | $418 |
| Dairyland | $241 | $453 |
| Bristol West | $246 | $417 |
| Direct Auto | $247 | $386 |
| Nationwide | $248 | $380 |
| GAINSCO | $264 | $459 |
| Safeco | $276 | $339 |
| Farmers | $299 | $461 |
| Liberty Mutual | $349 | $375 |
| State Auto | $479 | $732 |
Disclaimer: Table data sourced from real-time Midvale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Midvale 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
Category | Price |
|---|---|
| Excellent | $127 |
| Good | $150 |
| Fair | $165 |
| Poor | $248 |
Is car insurance more expensive in Midvale?
At $106 per month for liability and $157 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $92 per month for liability and $147 for full-coverage insurance, on average. The national average cost of car insurance is $97 per month for liability and $183 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 | Liability Only | Full Coverage |
|---|---|---|
| Ogden | $93 | $143 |
| Orem | $99 | $146 |
| Provo | $100 | $148 |
| Salt Lake City | $101 | $158 |
Disclaimer: Table data is based on real-time Midvale quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $106 per month for liability car insurance and $157 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 $62 per month. Auto-Owners and State Farm also have affordable minimum coverage, with respective liability rates of $76 and $83 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 $76 per month for liability coverage and $116 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.
Sources
- United States Census Bureau. "QuickFacts Midvale city, Utah."
- NOLO. "Guide to Utah Car Accident Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Midvale City Hall. "Traffic Citations & Plea in Abeyance Traffic School."
- Utah Department of Public Safety. "DUI Suspension Times."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Methodology
Insurify data scientists analyzed more than 190 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
- 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.
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