Cheapest Auto Insurance in Ogden, Utah (2024)

USAA is the cheapest liability car insurance company in Ogden, with rates as low as $58 per month.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 25, 2024

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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 $133 per month for auto insurance, which is less than the overall state average of $150 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 $98 per month for liability insurance and $167 per month for full coverage.

  • The cheapest full-coverage car insurance company in Ogden is USAA, with rates as low as $85 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 CompanyIQ 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 CoverageLiability OnlyBest for
USAA9.4$96$65Military members and families
Clearcover6.8$147$87Digital account management
Safeco8.3$116$76Claims 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.7
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.
$58/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.
$85/mo

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

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for digital account management: Clearcover

Compare personalized, real-time quotes
User Reviews
3.0
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.
$89/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.
$144/mo

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

Read more driver reviews of Clearcover
Ricardo - July 15, 2024
Verified

Fair

The premium keeps increasing drastically.

Nikkolaus - July 10, 2024
Verified

Prices Skyrocketing

ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!

Miche - July 1, 2024
Verified

Not Valued as a Loyal Customer

The price was good, but they do not value loyal customers.

Best insurer for claims handling: Safeco

Compare personalized, real-time quotes
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.
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.
$67/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.
$103/mo

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

Read more driver reviews of Safeco
Richard - July 22, 2024
Verified

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

Lisa - July 21, 2024
Verified

Unfortunately

They are not helpful in maintaining positive communication with customers.

Maryjane - July 21, 2024
Verified

Just Looking

They provide a quarterly statement of coverage and cost.

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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 $98 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$58
Safeco$67
Sun Coast$69
Auto-Owners$70
Midvale Home & Auto$71
State Farm$77
National General$79
Dairyland$82
GEICO$82
Progressive$82
Root$88
Liberty Mutual$90
American Family$98
GAINSCO$102
Allstate$105
Nationwide$115
The General$119
Farmers$136
Bristol West$139
State Auto$179
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 $167 per month.

The table below shows the cheapest full-coverage insurers in Ogden.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$85
Safeco$103
Auto-Owners$104
State Farm$113
Midvale Home & Auto$116
GEICO$121
Progressive$121
Root$121
Sun Coast$126
National General$139
American Family$144
Liberty Mutual$148
Allstate$155
Nationwide$169
Dairyland$187
The General$193
Farmers$200
State Auto$220
GAINSCO$223
Bristol West$259
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.

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.

Utah requires all drivers to carry liability limits of 25/65/15 and $3,000 per accident in PIP. Here are the state-required coverages:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $65,000 per accident
Property damage liability$15,000 per accident
Personal injury protection$3,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for vehicle damages and repairs for non-collision incidents like fire, flood, vandalism, theft, falling objects, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers car repairs if you hit a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $98 per month for liability insurance, but that average increases to $137 per month after a speeding ticket, $135 per month after an at-fault accident, and $155 per month after a DUI.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$58$74$76$95
Safeco$67$87$85$109
Sun Coast$69$97$95$109
Auto-Owners$70$90$92$114
Midvale Home & Auto$71$95$99$116
State Farm$77$98$101$126
National General$79$101$105$129
Dairyland$82$106$107$134
GEICO$82$106$108$134
Progressive$82$106$109$134
Root$88$120$123$144
Liberty Mutual$90$127$129$147
American Family$98$126$128$160
GAINSCO$102$144$129$167
Allstate$105$135$138$171
Nationwide$115$149$152$188
The General$119$155$159$194
Farmers$136$174$178$222
Bristol West$139$178$180$227
State Auto$179$250$258$292
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.[3] 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.[4]

Here are Ogden’s average car insurance costs based on age:

AgeAverage 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.

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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.[5]

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 $98 per month for liability insurance and $167 per month for full coverage.

  • Which companies have the cheapest car insurance in Ogden?

    USAA, Safeco, and Sun Coast are the cheapest car insurance companies in Ogden, with liability rates of $58, $67, and $69 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
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. U.S. Census Bureau. "QuickFacts: Ogden city, Utah."
  2. Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements."
  3. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  4. National Institute on Aging. "Safe Driving for Older Adults."
  5. Utah Insurance Department. "Credit Reports & Insurance."
Angela Brown
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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