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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Allstate | $83/mo |
 State Farm | $134/mo |
 The General | $149/mo |
 American Family | $171/mo |
| Best Companies | ||
|---|---|---|
 Clearcover | $99/mo | |
American Family | $169/mo | |
 Nationwide | $176/mo | |
 Safeco | $186/mo | |
 Liberty Mutual | $192/mo |
Utah Cities | |
|---|---|
| Salt Lake City | $132/mo |
| Provo | $119/mo |
| West Jordan | $125/mo |
| Orem | $130/mo |
| Ogden | $134/mo |
| Utah | $128/mo |
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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:
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:
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.
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.
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.
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 Age | |
|---|---|
| teens | $296 |
| 20s | $201 |
| 30s | $153 |
| 40s | $166 |
| 50s | $137 |
| 60s | $116 |
| 70s | $144 |
| 80s | $195 |
| Driving History | |
|---|---|
| No Violation | $153 |
| Speeding Ticket | $186 |
| At-Fault Accident | $209 |
| Failure to Stop for Red Light / Stop Sign | $218 |
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.
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 Tie | |
|---|---|
| Excellent | $170 |
| Good | $147 |
| Average | $180 |
| Poor | $165 |
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.
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ogden drivers measure up to their fellow Utah motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ogden drivers rank 8 in the number of car accidents per driver across all cities in Utah.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Ogden drivers rank 19 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ogden drivers rank 4 in the number of DUI’s per driver across all cities in Utah.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ogden is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Utah, Ogden drivers rank 3 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Ogden drivers rank 6 in clean driving records across all cities in Utah.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Ogden drivers rank 3 in failure to yield violations per driver across all cities in Utah.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Utah, Ogden drivers rank 8 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ogden drivers rank 20 in hybrid and electric vehicle ownership across all cities in Utah.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
