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Updated June 29, 2022
Car Insurance in Sandy, UT
Drivers in Sandy can expect to pay around $176 per month for their car insurance coverage, but there are always ways to save and get better rates. Insurify helps drivers make sure they’re getting cheap prices that fit their insurance needs. All it takes is a few clicks to set up your driver profile, and you’ll be able to compare auto insurance quotes side by side in minutes.
The average cost of car insurance in Sandy is $176 per month or $2,112 annually.
Car insurance in Sandy is $22 less than the average cost of insurance in Utah.
The cheapest car insurance provider in Utah on average is Sun Coast, at $108 per month, but you should always compare quotes to find your best personal rate.
Cheapest Car Insurance in Sandy, UT
What is the cheapest car insurance in Sandy?
Sun Coast is the cheapest car insurance option on average in Sandy, with rates starting at $108 per month. It’s still useful to compare car insurance rates, as everyone’s situation is unique.
On average, auto insurance rates for drivers in Sandy are around $176 each month, but that number isn’t set in stone. Costs will be different for each person, and everyone should know that cheaper rates are out there. The best way to save on monthly costs and insurance premiums is by shopping around first. Be sure to do research and compare quotes from multiple insurers.
For example, average rates from Clearcover are around $115, and policyholders with Travelers or Novo can expect to pay around $123 each month. The cheapest option in Sandy is $108 with Sun Coast, well below the monthly average for the city. You don’t need a policy with a big brand name insurer like GEICO, State Farm, and Allstate to get quality coverage. Shop around first!
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$181|
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Best Car Insurance in Sandy, UT
If money isn’t your only deciding factor or you want to check how much bang you’re getting for your buck, then Insurify can help. Our Insurify Composite Score (ICS) is a metric that uses data and research to rate insurance services from 0 to 100. This way, you know what you’re getting. Cheap car insurance quotes can be attractive, but make sure you’re still getting good coverage.
|Best Companies||ICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.||Average Monthly Quote|
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.
See More: Best Car Insurance Companies
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
$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.
Sandy Car Insurance Rates by Driver Age
How much you pay for your insurance policy depends on a number of different factors. One of these is your age. New drivers, like teenagers, typically see the highest car insurance quotes because they have the least experience behind the wheel and are a higher risk for insurers. (Note that the average quotes below are for across the state and are not specific to Sandy.)
Sandy Car Insurance Rates by Driving and Accident History
Another factor that will impact your insurance rates is your accident history. Your unique driving record has one of the most—if not the most—significant effects on how much you pay for your monthly insurance premium. This is because a history full of claims, collisions, and accidents will signal to insurance companies that you’re a high-risk driver and could cost them more.
One of the best ways you can keep costs low is by being a safe and cautious driver. People with clean driving records are more likely to see cheaper costs, saving them money in the long run. Also, insurance companies like to reward policyholders who go claim-free for a certain amount of time, giving them a good incentive to keep themselves and others safe while on the road.
Sandy Car Insurance Rates by Credit Tier
Your credit score also impacts how much you pay for car insurance. While some states have outlawed this, most still use it as a way to measure financial health and how responsible you are. A better credit score can be used as a factor to determine cheaper rates, as insurers see you as a reliable and risk-averse policyholder. Unfortunately, poor credit holders aren’t as lucky.
How to Get the Cheapest Car Insurance in Sandy
Getting the insurance coverage you need to feel safe behind the wheel doesn’t need to cost you an arm and a leg. The best way to get car insurance you can afford is by shopping around first! Compare car insurance quotes from different insurance companies to see how they stack up. Insurify makes this easy with our quote-comparison tools, and it only takes a few minutes.
Insurance companies also offer a number of discounts, so do your research and see which ones you qualify for. You can also bundle your auto insurance with other policies you own, like homeowners insurance, renters insurance, or life insurance. For more information, speak with an Insurify insurance agent, or check out the frequently asked questions (FAQ) below.
For more detailed Utah city guides, check out these below
Frequently Asked Questions
Getting quality car insurance doesn’t need to break the bank! You can find a great policy for cheap by shopping around first to check out average rates from multiple companies. The best and easiest way to compare car insurance is with Insurify. We do all the work to go through rates from hundreds of companies in the market and let you compare them side by side.
The average cost of car insurance in Sandy is $176 each month or $2,112 annually. However, know that there is no one-size-fits-all option when it comes to your bill. This number will be different for everyone based on factors like age, credit score, unique driving history, location, and more, on top of their specific car insurance coverage needs and what they want in a plan.
One of the biggest factors that can impact how much you pay for your auto insurance bill is your driving record. Having a history that’s full of violations, claims, and accidents is a huge red flag to insurance companies. It screams you’re more likely to cost them money because you’re riskier behind the wheel. Safe drivers with clean records are rewarded with lower, cheaper rates.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.