Compare Ephraim, UT Car Insurance Rates (2021)

Car insurance in Ephraim, UT averages $285 a month. Ephraim, Utah car insurance requirements are 25/65/15, but you might need full coverage insurance if your car is financed. To find cheap Ephraim car insurance rates, compare quotes from the top car insurance companies in Ephraim, UT.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ephraim is USAA
  • Average car insurance rates in Ephraim, UT are $3,416/year
  • The cheapest car insurance company in Ephraim for teen drivers is USAA

If you need to buy Ephraim, Utah car insurance, the options can be confusing. Everything you need to know about car insurance in Ephraim, UT is right here.

You’ll find Ephraim car insurance rates, the cheapest Ephraim, UT car insurance companies, and information on Utah car insurance laws. You can also compare Ephraim, Utah car insurance rates to Provo car insurance rates, South Jordan car insurance rates, and West Valley City car insurance rates.

Ready to find affordable Ephraim, UT car insurance today? Enter your ZIP code for fast, free Ephraim car insurance quotes.

Cheapest Ephraim, UT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ephraim, UT car insurance rates? Every Ephraim, Utah car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ephraim, Utah

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,036 $1,898 $1,844 $1,846 $6,135 $6,835 $2,174 $2,169
American Family $1,979 $1,979 $1,815 $1,815 $7,096 $9,328 $1,979 $2,345
Farmers $2,037 $2,012 $1,798 $1,913 $8,660 $8,923 $2,318 $2,405
GEICO $1,896 $2,112 $2,068 $2,389 $5,626 $6,011 $1,647 $1,664
Liberty Mutual $2,381 $2,564 $1,976 $2,201 $8,950 $9,941 $2,516 $2,680
Nationwide $1,857 $1,884 $1,659 $1,752 $4,912 $6,270 $2,132 $2,289
Progressive $1,981 $1,853 $1,614 $1,722 $7,724 $8,590 $2,276 $2,371
State Farm $2,770 $2,770 $2,497 $2,497 $8,202 $10,199 $3,135 $3,592
USAA $1,405 $1,383 $1,258 $1,261 $4,867 $5,686 $1,712 $1,871

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Minimum Car Insurance in Ephraim, UT

Every driver must carry the minimum car insurance in Ephraim, UT. Take a look at the Utah car insurance requirements.

Minimum Required Car Insurance Coverage in Ephraim, Utah

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$65,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Ephraim, UT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ephraim, UT. Compare credit history car insurance rates in Ephraim from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ephraim, Utah

Insurance Company Poor Fair Good
Allstate $4,170 $2,794 $2,387
American Family $4,451 $3,337 $2,838
Farmers $4,299 $3,578 $3,398
GEICO $4,460 $2,470 $1,850
Liberty Mutual $5,930 $3,643 $2,880
Nationwide $3,537 $2,654 $2,343
Progressive $4,001 $3,399 $3,149
State Farm $7,254 $3,652 $2,468
USAA $3,488 $2,220 $1,583

Cheapest Ephraim, UT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ephraim, UT to rates for a clean record with top companies.

Annual Ephraim, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,646 $3,176 $3,676 $2,969
American Family $2,928 $3,646 $4,307 $3,286
Farmers $3,198 $4,162 $4,041 $3,632
GEICO $2,131 $3,301 $3,801 $2,473
Liberty Mutual $3,262 $4,450 $4,803 $4,090
Nationwide $2,255 $3,040 $3,566 $2,518
Progressive $2,993 $4,445 $3,128 $3,498
State Farm $4,069 $4,847 $4,458 $4,458
USAA $1,912 $2,415 $3,252 $2,142

Cheapest Ephraim, UT Car Insurance for Teen Drivers

Teen car insurance in Ephraim, UT can be expensive. Take a look at rates from the top car insurance companies in Ephraim for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ephraim, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,135 $6,835
American Family $7,096 $9,328
Farmers $8,660 $8,923
GEICO $5,626 $6,011
Liberty Mutual $8,950 $9,941
Nationwide $4,912 $6,270
Progressive $7,724 $8,590
State Farm $8,202 $10,199
USAA $4,867 $5,686

Cheapest Ephraim, UT Car Insurance for Seniors

Take a look at Ephraim, UT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ephraim, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,844 $1,846
American Family $1,815 $1,815
Farmers $1,798 $1,913
GEICO $2,068 $2,389
Liberty Mutual $1,976 $2,201
Nationwide $1,659 $1,752
Progressive $1,614 $1,722
State Farm $2,497 $2,497
USAA $1,258 $1,261

Cheapest Ephraim, UT Car Insurance Rates After a DUI

A DUI in Ephraim, UT increases car insurance rates. Compare Ephraim, Utah DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ephraim, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,676
American Family $4,307
Farmers $4,041
GEICO $3,801
Liberty Mutual $4,803
Nationwide $3,566
Progressive $3,128
State Farm $4,458
USAA $3,252

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Cheapest Ephraim, UT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ephraim, UT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ephraim, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,117 $3,117
American Family $3,539 $3,544
Farmers $3,758 $3,758
GEICO $2,875 $2,978
Liberty Mutual $4,082 $4,220
Nationwide $2,845 $2,845
Progressive $3,516 $3,516
State Farm $4,347 $4,568
USAA $2,403 $2,457

The Best Cheap Car Insurance Companies in Ephraim, UT

Take a look at a side-by-side comparison of the top car insurance companies in Ephraim, UT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ephraim, Utah

Insurance Company Average Annual Rates
Allstate $3,117
American Family $3,542
Farmers $3,758
GEICO $2,927
Liberty Mutual $4,151
Nationwide $2,845
Progressive $3,516
State Farm $4,458
USAA $2,430

Category Winners: Cheapest Car Insurance in Ephraim, Utah

Find the cheapest car insurance companies in Ephraim, UT for each category right here.

Best Annual Car Insurance Rates by Company in Ephraim, Utah

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Ephraim, UT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ephraim car insurance rates. Find the cheapest Ephraim, UT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ephraim, Utah

Insurance Company Low Medium High
Allstate $2,976 $3,110 $3,264
American Family $3,455 $3,588 $3,582
Farmers $3,450 $3,707 $4,117
GEICO $2,730 $2,914 $3,135
Liberty Mutual $3,956 $4,135 $4,363
Nationwide $3,126 $2,702 $2,706
Progressive $3,220 $3,389 $3,940
State Farm $4,217 $4,468 $4,689
USAA $2,324 $2,432 $2,535

What affects car insurance rates in Ephraim, Utah?

What factors can have an impact on Ephraim, UT car insurance? There are several reasons why Ephraim car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ephraim, Utah.

Commute Time in Ephraim

The more time you spend in your car the higher the risk of an accident. The average commute length in Ephraim, UT is 17.0 minutes according to City-Data.

Compare Car Insurance Quotes in Ephraim, UT

Ready to find affordable Ephraim, Utah car insurance today? Enter your ZIP code for fast, free Ephraim, UT car insurance quotes.

Free Car Insurance Comparison

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