Compare Layton, UT Car Insurance Rates (2021)

Car insurance in Layton, UT averages $308 a month. Layton, Utah car insurance requirements are 25/65/15, but you might need full coverage insurance if your car is financed. To find cheap Layton car insurance rates, compare quotes from the top car insurance companies in Layton, UT.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Layton, UT after a DUI are $4,212/year
  • The cheapest car insurance company in Layton for teen drivers is GEICO
  • Average car insurance rates in Layton, UT are $3,694/year

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

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

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

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

How do age, gender, and marital status affect Layton, UT car insurance rates? Every Layton, 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 Layton, 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 $2,451 $2,272 $2,234 $2,238 $7,862 $8,821 $2,603 $2,581
American Family $2,065 $2,065 $1,905 $1,905 $7,538 $9,793 $2,065 $2,424
Farmers $2,060 $2,039 $1,821 $1,944 $8,778 $9,042 $2,320 $2,386
GEICO $1,770 $1,975 $1,975 $2,332 $5,359 $5,701 $1,532 $1,518
Liberty Mutual $2,514 $2,706 $2,082 $2,325 $10,305 $11,445 $2,640 $2,791
Nationwide $1,910 $1,928 $1,710 $1,796 $5,250 $6,664 $2,214 $2,370
Progressive $2,123 $1,966 $1,744 $1,857 $8,798 $9,773 $2,449 $2,562
State Farm $3,008 $3,008 $2,753 $2,753 $9,428 $11,730 $3,417 $3,905
USAA $1,475 $1,449 $1,326 $1,323 $5,219 $6,094 $1,793 $1,961

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Minimum Car Insurance in Layton, UT

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

Minimum Required Car Insurance Coverage in Layton, 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 Layton, UT Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Layton, Utah

Insurance Company Poor Fair Good
Allstate $5,190 $3,487 $2,971
American Family $4,673 $3,510 $2,977
Farmers $4,348 $3,615 $3,434
GEICO $4,218 $2,339 $1,753
Liberty Mutual $6,551 $4,057 $3,195
Nationwide $3,675 $2,798 $2,468
Progressive $4,407 $3,790 $3,530
State Farm $8,141 $4,095 $2,765
USAA $3,695 $2,359 $1,685

Cheapest Layton, 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 Layton, UT to rates for a clean record with top companies.

Annual Layton, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,264 $3,950 $4,626 $3,691
American Family $3,058 $3,832 $4,542 $3,448
Farmers $3,232 $4,204 $4,081 $3,677
GEICO $1,979 $3,107 $3,692 $2,302
Liberty Mutual $3,595 $4,956 $5,322 $4,531
Nationwide $2,370 $3,184 $3,727 $2,641
Progressive $3,304 $5,011 $3,459 $3,862
State Farm $4,532 $5,468 $5,000 $5,000
USAA $2,025 $2,567 $3,458 $2,270

Cheapest Layton, UT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Layton, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,862 $8,821
American Family $7,538 $9,793
Farmers $8,778 $9,042
GEICO $5,359 $5,701
Liberty Mutual $10,305 $11,445
Nationwide $5,250 $6,664
Progressive $8,798 $9,773
State Farm $9,428 $11,730
USAA $5,219 $6,094

Cheapest Layton, UT Car Insurance for Seniors

Take a look at Layton, 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 Layton, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,234 $2,238
American Family $1,905 $1,905
Farmers $1,821 $1,944
GEICO $1,975 $2,332
Liberty Mutual $2,082 $2,325
Nationwide $1,710 $1,796
Progressive $1,744 $1,857
State Farm $2,753 $2,753
USAA $1,326 $1,323

Cheapest Layton, UT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Layton, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,626
American Family $4,542
Farmers $4,081
GEICO $3,692
Liberty Mutual $5,322
Nationwide $3,727
Progressive $3,459
State Farm $5,000
USAA $3,458

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Cheapest Layton, UT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Layton, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,883 $3,883
American Family $3,718 $3,722
Farmers $3,799 $3,799
GEICO $2,725 $2,815
Liberty Mutual $4,528 $4,674
Nationwide $2,980 $2,980
Progressive $3,909 $3,909
State Farm $4,870 $5,130
USAA $2,551 $2,608

Cheapest Layton, UT Car Insurance Rates by ZIP Code

Layton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Layton, UT.

Annual Car Insurance Rates by ZIP Code in Layton, Utah

ZIP Code Average Annual Rates
84040 $3,755
84041 $3,632

The Best Cheap Car Insurance Companies in Layton, UT

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

Average Annual Car Insurance Rates by Company in Layton, Utah

Insurance Company Average Annual Rates
Allstate $3,883
American Family $3,720
Farmers $3,799
GEICO $2,770
Liberty Mutual $4,601
Nationwide $2,980
Progressive $3,909
State Farm $5,000
USAA $2,580

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Category Winners: Cheapest Car Insurance in Layton, Utah

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

Best Annual Car Insurance Rates by Company in Layton, Utah

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

Cheapest Layton, UT Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Layton, Utah

Insurance Company Low Medium High
Allstate $3,691 $3,874 $4,083
American Family $3,599 $3,769 $3,792
Farmers $3,440 $3,738 $4,218
GEICO $2,546 $2,761 $3,002
Liberty Mutual $4,343 $4,581 $4,880
Nationwide $3,253 $2,834 $2,854
Progressive $3,557 $3,770 $4,400
State Farm $4,655 $5,017 $5,328
USAA $2,459 $2,582 $2,698

What affects car insurance rates in Layton, Utah?

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

Commute Time in Layton

The more time you spend in your car the higher the risk of an accident. The average commute length in Layton, UT is 23.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Layton, UT

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

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