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Cheap Auto Insurance Quotes in Spanish Fork, UT (September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated September 15, 2022

Car Insurance in Spanish Fork, 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 Spanish Fork, UT to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Spanish Fork is $171 per month, or $2052 annually.

  • Car insurance in Spanish Fork is $2 less than the average cost of car insurance in Utah.

  • The cheapest car insurance provider in Spanish Fork on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$40
Allstate
$86
State Farm
$119
Liberty Mutual
$152
The General
$167

See More:

Cheapest Car Insurance in Spanish Fork, UT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in Spanish ForkQuotes 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.
Progressive$40 /mo
Allstate$86 /mo
State Farm$119 /mo
Liberty Mutual$152 /mo
The General$167 /mo

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Average Car Insurance Cost

Utah Cities
Salt Lake City$132/mo
Provo$119/mo
West Jordan$125/mo
Orem$130/mo
Spanish Fork$113/mo
Utah$124/mo
Spanish Fork
$113
Provo
$119
Average for UT
$124
West Jordan
$125
Orem
$130
Salt Lake City
$132

Click here to learn about car insurance quotes and save on your current policy.

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.

Find local Spanish Fork agents

  • Leavitt Insurance & Central Bond Services, Inc.

    199 N Main St,
    Spanish Fork, UT 84660-1724
  • High West Insurance Agency, LLC

    265 N Main Street Ste 206,
    Spanish Fork, UT 84660
  • Western States Insurance Agency

    87 E Center Street,
    Spanish Fork, UT 84660
  • Security Insurance Agency, Inc.

    290 N Main St,
    Spanish Fork, UT 84660-1727
  • Mark Peterson- Peterson Agency Inc.

    185 N Main St,
    Spanish Fork, UT 84660
  • John Smiley - State Farm Insurance Agent

    391 N Main St,
    Spanish Fork, UT 84660
  • Farmers Insurance - Erika Davis

    295 N Main St,
    Spanish Fork, UT 84660
  • Crowther and Larson Agency: Allstate Insurance

    1125 Expressway Ln,
    Spanish Fork, UT 84660
  • Prideland Insurance

    31 E 1600 N St,
    Spanish Fork, UT 84660
  • DCPRO Insurance - Seguros en Utah

    265 N Main St \#104,
    Spanish Fork, UT 84660
View more

FAQs - Spanish Fork, UT Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Insurify Insights

How Spanish Fork Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Spanish Fork, Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Spanish Fork drivers measure up to their fellow motorists across Utah in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Spanish Fork

#21

City with the Most Speeding Tickets Rank in Utah

#12

City with the Most Moving Violations Rank in Utah

#5

City with the Most DUIs Rank in Utah

#1

City with the Most Suspended Licenses in Utah

  • 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. Spanish Fork drivers rank 19 in the number of car accidents per driver across all cities in Utah.

    • Rank within state: #19
    • Percent of drivers in Spanish Fork with an accident: 10.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Spanish Fork drivers rank 5 in the number of DUI’s per driver across all cities in Utah.

    • Rank within state: #5
    • Percent of drivers in Spanish Fork with a DUI: 3.2%
  • 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, Spanish Fork drivers rank 19 in the number of reckless driving offenses per driver.

    • Rank within state: #19
    • Percent of drivers in Spanish Fork with a reckless driving offense: 1.3%
  • 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, Spanish Fork drivers rank 18 in rude driving infractions.

    • Rank within state: #18
    • Percent of drivers in Spanish Fork with a reckless driving violation: 1.8%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Spanish Fork drivers rank 21 in the number of speeding infractions per driver.

    • Rank within state: #21
    • Percent of drivers in Spanish Fork with a speeding ticket: 11.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Spanish Fork drivers rank 26 in clean driving records across all cities in Utah.

    • Rank within state: #26
    • Percent of drivers in Spanish Fork with clean record: 74.7%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Spanish Fork drivers rank 2 in hybrid and electric vehicle ownership across all cities in Utah.

    • Rank within state: #2
    • Percent of drivers in Spanish Fork with a hybrid/electric vehicle: 1.92%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Learn More

Sources

  1. Utah Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022