Best Cheap Auto Insurance in Midvale, Utah (2023)

Car insurance in Midvale costs 10% less than the overall national average.

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
Photo of an Insurify author
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 September 20, 2023

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Located in the Salt Lake City metropolitan area, Midvale, Utah, has a population of more than 35,000 people. The average cost of car insurance in Midvale is $125 per month. USAA, Travelers, and Auto-Owners provide the cheapest average car insurance quotes in Midvale, but you have many options to choose from in the city.

The overall cost of car insurance in Utah is just $1 less per month than the average for Midvale drivers. Though rates are relatively low in Midvale, drivers may face a higher risk of damage to their vehicles and other property during the winter due to high amounts of snowfall and a potential for floods from snowmelt.

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

Quick Facts
  • Midvale drivers pay $85 per month for liability coverage and $165 for full-coverage car insurance, on average.

  • 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.[1]

  • Utah auto insurers can consider your credit history when determining premiums, but state law restricts when and how companies can use this information.[2]

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Best 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 Travelers below.

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.
4.1
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.
$72/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.
$92/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

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
Read our Auto-Owners review

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.
4.3
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.
$59/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.
$76/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

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

They Serve The Veteran.

Jack - September 7, 2023
Verified

Raised rates nearly 43%.

Jan - June 19, 2023
Verified
Read our USAA review

Best insurer for discounts: Travelers

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.
829
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++
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.
$122/mo

Travelers offers a range of discounts that can help lower insurance costs, including safe driver, bundling, and vehicle-based discounts. The company provides affordable full-coverage options for drivers in Midvale.

Pros
  • Many discounts available, including for homeowners and electric vehicle owners

  • Offers gap insurance

  • Offers umbrella insurance

Cons
  • Low customer review ratings on BBB and Trustpilot

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

  • Rideshare coverage not available in Utah

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Cheapest liability-only car insurance in Midvale

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]

Here are the cheapest liability-only car insurance options in Midvale.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA59
Auto-Owners72
State Farm78
Sun Coast84
GEICO85
Safeco86
Clearcover91
Midvale Home & Auto98
American Family100
State Auto101
National General107
Progressive107
Allstate108
Dairyland109
Liberty Mutual111
GAINSCO127
Farmers139
The General154
Bristol West172
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

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.

Here are the cheapest full-coverage car insurance options for Midvale drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA76
Auto-Owners92
State Farm101
GEICO108
Clearcover112
Travelers122
American Family129
Nationwide129
Allstate139
Sun Coast139
Safeco141
Midvale Home & Auto151
Progressive158
Liberty Mutual177
Farmers179
State Auto190
National General231
Dairyland235
The General244
GAINSCO250
Bristol West293
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.

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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]

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Cheapest car insurance for drivers with a speeding ticket

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA10783
Auto-Owners130102
State Farm143110
GEICO153120
Clearcover158129
American Family182141
Allstate196153
Sun Coast196119
Safeco199121
Midvale Home & Auto213138
Progressive223151
Liberty Mutual250157
Farmers253196
State Auto268143
National General326151
Dairyland332154
The General345217
GAINSCO353179
Bristol West414243
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

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.

Here are the cheapest car insurance options for Midvale drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA11186
Auto-Owners135105
State Farm148114
GEICO158124
Clearcover164133
American Family189146
Allstate203158
Sun Coast203123
Safeco206126
Midvale Home & Auto221143
Progressive231157
Liberty Mutual259162
Farmers262203
State Auto278148
National General338157
Dairyland344160
The General357225
GAINSCO366186
Bristol West429252
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

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. Start your search with some of the cheapest options in Midvale below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA12698
Auto-Owners153120
State Farm168130
GEICO180141
Clearcover186151
American Family215166
Allstate231180
Sun Coast231140
Safeco235143
Midvale Home & Auto251163
Progressive263178
Liberty Mutual295185
Farmers298231
State Auto316168
National General384178
Dairyland391181
The General406256
GAINSCO416211
Bristol West488286
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

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 75. 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.[9]

Senior drivers typically earn some of the cheapest rates by driver age, but rates start to increase again around age 75. 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.[10]

Here are the cheapest coverage options for senior drivers in Midvale.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA3830
Auto-Owners4636
State Farm5139
GEICO5443
Clearcover5646
American Family6550
Allstate7054
Sun Coast7042
Safeco7143
Midvale Home & Auto7649
Progressive7954
Liberty Mutual8956
Farmers9070
State Auto9551
National General11654
Dairyland11855
The General12277
GAINSCO12564
Bristol West14786
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

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.[11]

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.

Here are the cheapest coverage options for teen drivers in Midvale.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA145113
Auto-Owners176138
State Farm193149
GEICO207163
Clearcover214174
American Family247191
Allstate266207
Sun Coast266161
Safeco270164
Midvale Home & Auto289187
Progressive302205
Liberty Mutual338212
Farmers342266
State Auto363193
National General442205
Dairyland449208
The General467294
GAINSCO478243
Bristol West560329
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.

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 that can help you throughout the insurance-buying process and answer any of your questions.

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 score. Insurance companies in the state can review your credit information to assess the level of risk you pose. If you have a poor credit score, 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.

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?

Midvale car insurance is about 10% cheaper per month than the national average. Drivers in the city pay $85 per month for liability and $165 for full-coverage insurance on average. The national average cost for car insurance is $106 per month for liability and $172 for full coverage. Car insurance rates vary by a ZIP code’s population density, crime rates, and more.

The average cost of car insurance in Utah is just $1 less per month than the overall average in Midvale of $125 per month. And Midvale drivers pay cheaper average rates than residents in other Utah cities, like Ogden and West Valley City. Salt Lake City — which has a lower population density than Midvale — has slightly cheaper rates for full-coverage insurance than Midvale.

More cities in Utah

At $165 per month, Midvale drivers benefit from some of the cheapest average full-coverage car insurance rates in Utah. For example, rates in West Jordan are 36% higher than the average cost of full coverage in Midvale.

See how full-coverage quotes in other Utah cities compare to Midvale below.

CityAverage Monthly QuoteCompared to Midvale
Ogden$20423%
Orem$19317%
Provo$19015%
Salt Lake City$146-12%
West Jordan$22436%
West Valley City$22033%
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 $125 per month for car insurance, on average. Full-coverage insurance costs an average of $165 per month, and liability coverage is $85 per month. Your specific car insurance premium depends on your driving record, vehicle type, chosen coverage, and more.

  • What are the best car insurance companies in Midvale?

    With a high Insurify Quality (IQ) Score of 4.2 out of 5 and an A++ (Superior) AM Best financial strength rating, Travelers is the best insurance company in Midvale. Other top insurers include Auto-Owners, State Farm, 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. Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements." Accessed August 14, 2023
  2. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed August 14, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 14, 2023
  4. Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.." Accessed August 14, 2023
  5. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed August 14, 2023
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 14, 2023
  7. Midvale City Hall. "Traffic Citations & Plea in Abeyance Traffic School." Accessed August 14, 2023
  8. Utah Department of Public Safety. "DUI Suspension Times." Accessed August 14, 2023
  9. United States Census Bureau. "Midvale city, Utah." Accessed August 14, 2023
  10. National Highway Traffic Safety Administration. "Older Drivers." Accessed August 14, 2023
  11. Centers for Disease Control and Prevention. "Teen Drivers." Accessed August 14, 2023
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
Photo of an Insurify author
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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