Cheapest Auto Insurance in Ogden, Utah (2025)
USAA is the cheapest liability car insurance company in Ogden, with rates as low as $60 per month.
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Written byAngela Brown
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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Table of contents
Located just north of busy Salt Lake City, Ogden is home to around 86,000 people.[1] This mountain town’s relatively small population compared to larger cities may be why it has cheaper average car insurance rates.
Drivers in Ogden pay an overall average of $136 per month for auto insurance, which is less than the overall state average of $145 per month.
Here’s how to compare rates, find cheap insurance, and save money on coverage in Ogden.
Quick Facts
The average cost of car insurance in Ogden is $106 per month for liability insurance and $166 per month for full coverage.
The cheapest full-coverage car insurance company in Ogden is USAA, with rates as low as $89 per month.
Utah is a no-fault state and requires drivers to carry a minimum of $3,000 in personal injury protection (PIP) coverage.[2]
3 of the cheapest car insurance companies in Ogden
The right car insurance for you depends on personal factors like your age, vehicle, ZIP code, driving history, and more. The cheapest company for you may not be the cheapest for someone else, which is why it’s important to shop around.
Here are three of Ogden’s cheapest car insurance companies, but you should compare rates from multiple insurance companies to find the best fit.
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 |
|---|---|---|---|---|
| USAA | 9.4 | $94 | $64 | Military members and families |
| Clearcover | 6.8 | $147 | $87 | Digital account management |
| Safeco | 8.3 | $144 | $116 | Claims handling |
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.
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 military members and families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/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. | $89/mo |
4.9
Best choiceBased on 1,838 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,059)
Donald
March 26, 2025
Verified Review
Unsatisfactory Experience for Veterans
They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.
Tammie
March 26, 2025
Verified Review
USAA
USAA has always been quick to respond. However, they don't really fight for their policy holders.
Michael
March 25, 2025
Verified Review
Other than that, they're great
The car coverage cost goes up a little too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
Just south of Ogden is Hill Air Force Base, home to many military members and their families. USAA offers car insurance specifically to military personnel and veterans, and Ogden military families can take advantage of its savings and highly rated customer service. Plus, its relatively affordable rates mean it’s easy to save on car insurance.
Pros
Above-average J.D. Power customer satisfaction rating in the Southwest
Military-specific discounts and programs
Cons
Doesn’t offer gap insurance
No 24/7 customer service
Best insurer for digital account management: Clearcover
| User Reviews | 3.4 |
|---|---|
| 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. | 6.8 /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. | $124/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. | $152/mo |
3.4
A solid optionBased on 52 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (36)
Ray
December 4, 2024
Verified Review
All Good
Everything is good, no problems.
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.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).
NRWhy we picked this company
Clearcover may appeal to tech-savvy drivers for its digital-based platform and account management tool. It advertises that it can pay for claims in as little as seven minutes. Clearcover’s convenient app allows drivers to pay their bills, file claims, show proof of insurance, and access roadside assistance quickly.
Pros
Award-winning mobile app
Car maintenance discounts available through Car Care program
Cons
No bundling products available
Few discounts
Best insurer for claims handling: Safeco
| User Reviews | 4.5 |
|---|---|
| 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. | 8.3 /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. | $110/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. | $135/mo |
4.5
Best choiceBased on 807 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (453)
Glenda
March 25, 2025
Verified Review
Great Car Insurance with Safeco
A few years ago, I had an accident with my car. They provided me with instructions on how to handle my claim and informed me about the amount they would give me for my car. The only task left for me was to pick out another car. It was a great experience.
Karen
March 24, 2025
Verified Review
Ok at first, then you're just a number
They were great at the beginning, but then watch out for huge price increases and no one to answer your questions as to why.
Joseph
March 19, 2025
Verified Review
Average
My policy went up five times even though I had no accidents or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy we picked this company
Liberty Mutual owns Safeco, an online insurance company that offers 24/7 claims services and cash back for going claims-free for six months. Drivers can also customize their policies and bundle insurance with RV, motorcycle, home, boat, and renters insurance for more savings.
Pros
24/7 claims services
Offers a diminishing deductible
Cons
Limited number of discounts compared to other insurers
Doesn’t offer rideshare insurance
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How to get the cheapest car insurance in Ogden
When you’re looking for cheap car insurance in the Ogden area, you’ll want to consider different factors including coverage options, discounts, number of drivers, and the type of insurance policy you need.
You can save money with the following strategies before buying your policy:
Shop around. Use an online comparison tool to get car insurance rates from multiple companies to determine which coverage options and budget best fits your needs.
Get discounts. Car insurance discounts can help you save money on your policy. Look for discounts for signing up for automatic payments, having certain vehicle safety features, and insuring more than one car.
Bundle policies. Consider bundling your car insurance with other policies like homeowners insurance, renters insurance, or life insurance.
Cheapest liability-only car insurance in Ogden: USAA
Liability insurance pays for other parties’ injuries and damages from car accidents you cause. It offers no financial protection for your vehicle, property, or passengers; it’s often the cheapest option because it provides minimal protection.
Ogden drivers pay an average of $106 per month for liability coverage.
While car insurance rates vary based on individual needs and circumstances, the table below shows average rates from the cheapest companies in Ogden.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $60 |
| Root | $70 |
| Auto-Owners | $73 |
| Sun Coast | $78 |
| State Farm | $80 |
| National General | $84 |
| Progressive | $85 |
| GEICO | $86 |
| American Family | $102 |
| Dairyland | $107 |
| Safeco | $110 |
| Allstate | $110 |
| The General | $114 |
| GAINSCO | $117 |
| Nationwide | $119 |
| Bristol West | $128 |
| Farmers | $141 |
| Liberty Mutual | $185 |
| State Auto | $185 |
| Direct Auto | $322 |
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 Ogden: USAA
Full-coverage car insurance typically includes liability coverage, plus comprehensive and collision insurance. You’ll pay more for full-coverage policies, but they offer more protection. Your auto lender or lessor may require collision and comprehensive coverage to protect their interest, but drivers with higher-value and newer vehicles should consider it, too.
The average cost of full-coverage insurance in Ogden is $166 per month.
The table below shows the cheapest full-coverage insurers in Ogden.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $89 |
| Root | $105 |
| Auto-Owners | $109 |
| State Farm | $118 |
| Progressive | $126 |
| GEICO | $128 |
| Sun Coast | $128 |
| Safeco | $135 |
| National General | $145 |
| American Family | $151 |
| Allstate | $162 |
| Nationwide | $177 |
| The General | $179 |
| Farmers | $210 |
| Liberty Mutual | $223 |
| Dairyland | $223 |
| Bristol West | $228 |
| GAINSCO | $252 |
| State Auto | $275 |
| Direct Auto | $500 |
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 Ogden, Utah
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $81/mo for full coverage in Ogden and other Utah cities.
*Quotes generated for Insurify users in and around Ogden, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ogden, Utah within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Utah
Utah is a no-fault state, which means drivers seek compensation for damages and injuries with their own car insurance company and must maintain PIP coverage.
The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.[3] 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 |
While these are minimum coverages, they may not be enough for every driver. Auto insurance companies offer more coverages that drivers can add to their policies for more protection:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if someone without insurance or without enough insurance causes an accident.
Comprehensive coverage
Comprehensive insurance pays for vehicle damages and repairs for non-collision incidents like fire, flood, vandalism, theft, falling objects, and severe weather.
Collision coverage
Collision insurance covers car repairs if you hit a stationary object or another vehicle, even if you’re at fault.
Gap coverage
Gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Rental reimbursement coverage
Rental reimbursement covers the cost of a rental car or alternative transportation while your car is in the shop for repairs after a covered claim.
Cheapest car insurance for drivers with an incident
Drivers with a history of incidents might find it difficult to get cheap insurance in Ogden. Incidents on your record can include at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other moving violations, which show insurers that you’re a high-risk driver.
Insurance companies charge higher rates to offset that increased risk. For example, drivers with clean records pay an average of $106 per month for liability insurance, but that average increases to $143 per month after a speeding ticket, $145 per month after an at-fault accident, and $166 per month after a DUI.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $60 | $77 | $79 | $96 |
| Root | $70 | $97 | $100 | $101 |
| Auto-Owners | $73 | $95 | $97 | $117 |
| Sun Coast | $78 | $105 | $107 | $122 |
| State Farm | $80 | $101 | $105 | $128 |
| National General | $84 | $107 | $110 | $134 |
| Progressive | $85 | $109 | $115 | $136 |
| GEICO | $86 | $110 | $114 | $137 |
| American Family | $102 | $131 | $136 | $163 |
| Dairyland | $107 | $136 | $140 | $171 |
| Safeco | $110 | $143 | $149 | $169 |
| Allstate | $110 | $141 | $145 | $176 |
| The General | $114 | $151 | $155 | $182 |
| GAINSCO | $117 | $160 | $148 | $187 |
| Nationwide | $119 | $153 | $158 | $190 |
| Bristol West | $128 | $166 | $169 | $204 |
| Farmers | $141 | $180 | $186 | $225 |
| Liberty Mutual | $185 | $252 | $258 | $295 |
| State Auto | $185 | $259 | $266 | $295 |
| Direct Auto | $322 | $414 | $435 | $514 |
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.
Average cost of car insurance by age
Age is a significant factor that car insurance companies use when setting rates. Teen drivers pay more expensive car insurance rates because their lack of driving experience increases their fatal crash rate to nearly three times as high as drivers age 20 and older.[4] But rates decrease as drivers age and gain more experience, as long as they have a clean driving record.
Drivers may see rates increase again around age 70 due to factors like vision and hearing loss, medication side effects, and other medical conditions that increase the likelihood of accidents.[5]
Here are Ogden’s average car insurance costs based on age:
Age | Average Monthly Quote |
|---|---|
| Teens | $286 |
| 20s | $181 |
| 30s | $138 |
| 40s | $127 |
| 50s | $110 |
| 60s | $107 |
| 70s | $115 |
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.
Find Car Insurance in Ogden, Utah
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Ogden car insurance quotes by credit tier
Insurance companies in Utah can legally use your credit history when underwriting your policy and determining rates.[6]
Drivers with excellent or good credit scores will likely qualify for lower rates than drivers with poor credit scores. Here’s how credit tier affects average car insurance rates in Ogden.
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.
Ogden car insurance FAQs
Check out Insurify’s guide to driving on black ice and the answers to common questions about car insurance in Ogden below.
How much is car insurance in Ogden?
The average cost of car insurance in Ogden is $106 per month for liability insurance and $166 per month for full coverage.
Which companies have the cheapest car insurance in Ogden?
USAA, Root, and Auto-Owners are the cheapest car insurance companies in Ogden, with liability rates of $60, $70, and $73 per month, respectively.
But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.
What are the best car insurance companies in Ogden?
Some of the best car insurance companies in Ogden that Insurify identified include USAA, Safeco, and Clearcover. These insurers have solid IQ Scores, good customer satisfaction ratings, and plenty of coverage options for drivers.
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
- 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
- U.S. Census Bureau. "QuickFacts: Ogden city, Utah."
- Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements."
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- National Institute on Aging. "Safe Driving for Older Adults."
- Utah Insurance Department. "Credit Reports & Insurance."
)
Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.
Angela has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in