Cheap Auto Insurance Quotes in Ogden, UT (July 2022)

Some might say that driving in Ogden is a simple task compared to traveling in nearby Salt Lake City, as the metro area doesn’t see much traffic outside of rush hour. Since Ogden is nestled between the Great Salt Lake and a beautiful mountain range, many people driving on its highways are headed to ski resorts. Under 90,000 people live in the city, making it far less stressful to navigate than other parts of the country. The area does see quite a bit of snow, however, so it’s smart to make sure you have adequate auto insurance in case of an accident.

Minimum Car Insurance Requirements in Utah

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Utah^[1] are:

• $25,000 per person for bodily injury
• $65,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Utah is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $3,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Ogden, UT DMV Information

Given that Ogden is a rather small city, it makes sense that only one DMV office is available for residents. Open Monday through Friday from 8 a.m. to 5 p.m., it does feature a drive-through window for renewals only. Most residents claim that this DMV is well organized and that employees are friendly, making it a far better experience than is usually associated with the DMV.

Public Transportation in Ogden, UT

Individuals who forgo owning a vehicle in Ogden will find that getting around town is very easy. Many people like to utilize the Utah Transit Authority bus system while others prefer the commuter rail system. If you’re headed to the mountains, leave your car at home and take the ski bus instead! Ogden features an extensive bike lane system, or you can opt for a Lyft or Uber ride to get to your destination.

How to get the best and cheapest car insurance in Ogden, UT

Despite the hustle and bustle associated with accessing nearby ski resorts, driving in Ogden is fairly stress-free. The city is easy to navigate, and as long as you allow yourself enough time to arrive at your destination, you shouldn’t encounter any issues. You’ll find that most people on the road are friendly and utilizing public transportation is quite easy.

Most people in Ogden already get to enjoy fairly low rates on auto insurance, but it’s always a good idea to evaluate your policy every so often to make sure it’s meeting your needs. When you want to compare prices quickly and easily, head over to Insurify. If you find a better policy than the one you currently have, Insurify lets you enroll online with ease.