Cheapest Auto Insurance in Midvale, Utah (2024)

USAA has the cheapest liability insurance in Midvale, starting at $82 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated June 16, 2024

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Cheapest recent rates near Midvale, Utah

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

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $118 per month, which is higher than the Utah state average of $102 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, Safeco, and Sun Coast have the cheapest liability insurance in Midvale.

  • Midvale drivers pay $247 per month for full-coverage car insurance, on average. For comparison, the average cost of full coverage is $191 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$120$79Cheap rates
USAA4.7$98$65Veterans
State Farm4.6$131$87Teen 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$99/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.
$151/mo

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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$82/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.
$123/mo

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

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$109/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.
$164/mo

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

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

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 $82 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 $118 per month. Here are the cheapest liability-only car insurance options in Midvale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$82
Safeco$85
Sun Coast$97
Auto-Owners$99
Midvale Home & Auto$100
State Farm$109
National General$114
Progressive$115
GEICO$117
Dairyland$118
Liberty Mutual$120
Root$124
American Family$138
GAINSCO$139
Allstate$148
Nationwide$163
The General$168
Farmers$192
Bristol West$198
State Auto$252
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 $247 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$123
Safeco$142
Auto-Owners$151
Midvale Home & Auto$163
State Farm$164
Progressive$174
Root$174
Sun Coast$176
GEICO$177
National General$201
Liberty Mutual$202
American Family$210
Allstate$226
Nationwide$246
Dairyland$264
The General$271
Farmers$291
GAINSCO$306
State Auto$308
Bristol West$364
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 Ford, Chrysler, Subaru , and more.

*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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.

You can find the current minimum car insurance requirements below, but the liability limits will increase starting on Jan. 1, 2025.[4] You should keep this in mind when purchasing coverage in the coming years.

CoverageCurrent Minimum RequirementsMinimum Requirements After Jan. 1, 2025
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$3,000 per accident$3,000 per accident

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 $151 per month for liability coverage and $317 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 $168 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA$82$106
Safeco$85$112
Sun Coast$97$138
Auto-Owners$99$128
Midvale Home & Auto$100$134
State Farm$109$140
National General$114$144
Progressive$115$149
GEICO$117$151
Dairyland$118$153
Liberty Mutual$120$171
Root$124$170
American Family$138$178
GAINSCO$139$198
Allstate$148$191
Nationwide$163$212
The General$168$220
Farmers$192$246
Bristol West$198$254
State Auto$252$353
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 $165 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA$82$108
Safeco$85$109
Sun Coast$97$136
Auto-Owners$99$130
Midvale Home & Auto$100$140
State Farm$109$143
National General$114$150
Progressive$115$154
GEICO$117$155
Dairyland$118$156
Liberty Mutual$120$173
Root$124$174
American Family$138$181
GAINSCO$139$177
Allstate$148$195
Nationwide$163$217
The General$168$226
Farmers$192$252
Bristol West$198$257
State Auto$252$367
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 $189 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA$82$135
Safeco$85$140
Sun Coast$97$155
Auto-Owners$99$163
Midvale Home & Auto$100$164
State Farm$109$179
National General$114$187
Progressive$115$189
GEICO$117$192
Dairyland$118$194
Liberty Mutual$120$197
Root$124$204
American Family$138$227
GAINSCO$139$228
Allstate$148$243
Nationwide$163$268
The General$168$276
Farmers$192$316
Bristol West$198$325
State Auto$252$414
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 $86 per month for liability and $181 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA$61$92
Safeco$65$108
Midvale Home & Auto$71$117
Sun Coast$71$129
Auto-Owners$73$111
Progressive$77$116
State Farm$79$119
National General$86$151
GEICO$88$133
Dairyland$89$199
Liberty Mutual$90$151
Root$96$135
American Family$101$153
GAINSCO$107$236
Allstate$112$171
Nationwide$114$172
The General$129$209
Farmers$140$213
Bristol West$149$274
State Auto$182$223
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 $209 per month for liability insurance and $438 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA$135$203
Auto-Owners$169$258
Midvale Home & Auto$172$281
Sun Coast$172$312
Safeco$176$294
GEICO$183$276
State Farm$183$276
Root$188$264
Dairyland$196$439
Progressive$206$312
National General$213$376
Liberty Mutual$221$372
American Family$240$365
GAINSCO$246$542
Allstate$257$392
The General$270$435
Nationwide$276$417
Bristol West$335$615
Farmers$336$509
State Auto$443$542
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 $118 per month for liability and $247 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $102 per month for liability and $191 for full-coverage insurance, on average. The national average cost of car insurance is $105 per month for liability and $215 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.

CityLiability OnlyFull Coverage
Ogden$93$167
Orem$113$200
Provo$119$226
Salt Lake City$112$199
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 $118 per month for liability car insurance and $247 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 $82 per month. Safeco and Sun Coast also have affordable minimum coverage, with respective liability rates of $85 and $97 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 4.6 out of 5 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 $87 per month for liability coverage and $131 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 $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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