Cheap Auto Insurance Quotes in Ogden, UT (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Ogden, UT

The average cost of Utah car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ogden, UT to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Ogden, UT

Here are the cheapest carriers in Ogden for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Ogden, UT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Ogden. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Ogden, UT Driving Facts

 

Minimum Car Insurance Requirements in UT

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 available when:

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

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Utah are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Utah state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Utah law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Utah is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $3,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $3,000 is required for minimum coverage in Utah

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Ogden Car Insurance Rates by Driver Age

While being young has its perks, it’s good to grow older in Ogden—at least as far as your auto insurance bill is concerned. As the rates below reflect, it definitely costs more to insure young drivers here. Because younger drivers tend to have more accidents, rates are comparatively higher for a teen driver than, say, someone their grandmother’s age. Ogden teen drivers pay an average of $295 per month to insure their ride. That’s more than two and a half times the rate that someone in their 60s has to pay.

Driver's AgeAvg. Monthly Cost
teens$296
20s$201
30s$153
40s$166
50s$137
60s$116
70s$144
80s$195
Driving HistoryAvg. Monthly Cost
No Violation$153
Speeding Ticket$186
At-Fault Accident$209
Failure to Stop for Red Light / Stop Sign$218

Ogden Car Insurance Rates by Driving and Accident History

It pays to keep your driving record clean in Ogden. Drivers with a clean record pay an average of $152 per month in insurance, and those whose records are marred pay more. Why? When you have an accident or exhibit risky behavior, insurance companies raise rates to recoup their losses (both from current claims and claims they predict you might make in the future). For example, if you blow through a stoplight in Ogden, your rates increase to $217 whether you cause an accident or not.

Ogden Car Insurance Rates by Credit Tier

Credit tier is just another risk indicator used by insurance companies to set insurance rates. How does this work? Credit scores reflect how good a person is at managing their money. Lower credit scores indicate a person has trouble and is, therefore, a higher risk to insure. It’s a good thing your credit score isn’t permanent, however, and you can work to improve it. In Ogden, motorists with an excellent credit score can expect to pay $169 in insurance premiums monthly.

Credit TieAvg. Monthly Cost
Excellent$170
Good$147
Average$180
Poor$165

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Ogden stacks up for the state of Utah:

honda
Honda Accord
Most Popular Car in
Ogden, UT
suspended licenses
#6
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Ogden

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Ogden won Insurify's Most Patriotic Cities Award for the state of Utah.


FAQs - Ogden, UT Car Insurance

Can I find local options for car insurance in Ogden?

Drivers looking to change their auto insurance coverage will find that there are a number of local agents in Ogden who can provide more regional policies as well as national companies that are more well-known. Ultimately, you’ll want to enroll in the policy that makes the most sense for you based on your finances and driving habits.

What kinds of auto coverage am I required to have when driving in Ogden?

The state of Utah requires that policyholders maintain $25,000 for bodily injury, $15,000 for property damage, $3,000 for personal injury protection, and $25,000 for uninsured/underinsured motorist coverage. Additional options are available based on your specific policy needs.

Is car insurance cheap in Ogden?

Many residents find that they pay far less than the national average when it comes to auto coverage. If you’re looking for the best prices on car insurance, make sure to visit Insurify. You can compare quotes and could save more than you think!