Compare Oak City, UT Car Insurance Rates (2021)

Car insurance in Oak City, UT averages $274 a month. Oak City, Utah car insurance requirements are 25/65/15, but you might need full coverage insurance if your car is financed. To find cheap Oak City car insurance rates, compare quotes from the top car insurance companies in Oak City, 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

  • The cheapest car insurance company in Oak City is USAA
  • The cheapest car insurance company in Oak City for teen drivers is USAA
  • Average car insurance rates in Oak City, UT are $3,289/year

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

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

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

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

How do age, gender, and marital status affect Oak City, UT car insurance rates? Every Oak City, 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 Oak City, 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 $2,076 $1,916 $1,887 $1,881 $6,289 $6,984 $2,187 $2,166
American Family $1,919 $1,919 $1,766 $1,766 $6,929 $9,037 $1,919 $2,259
Farmers $1,955 $1,932 $1,727 $1,838 $8,308 $8,560 $2,215 $2,291
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 $1,786 $1,661 $1,457 $1,559 $7,171 $7,957 $2,050 $2,136
State Farm $2,412 $2,412 $2,184 $2,184 $7,220 $8,975 $2,731 $3,123
USAA $1,348 $1,326 $1,209 $1,211 $4,672 $5,453 $1,640 $1,792

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Minimum Car Insurance in Oak City, UT

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

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

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

Annual Car Insurance Rates by Credit Score in Oak City, Utah

Insurance Company Poor Fair Good
Allstate $4,251 $2,844 $2,424
American Family $4,324 $3,242 $2,752
Farmers $4,122 $3,430 $3,258
GEICO $4,460 $2,470 $1,850
Liberty Mutual $5,930 $3,643 $2,880
Nationwide $3,537 $2,654 $2,343
Progressive $3,652 $3,119 $2,895
State Farm $6,350 $3,200 $2,165
USAA $3,347 $2,130 $1,517

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

Annual Oak City, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,689 $3,236 $3,747 $3,021
American Family $2,836 $3,542 $4,190 $3,189
Farmers $3,066 $3,989 $3,872 $3,486
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 $2,734 $4,100 $2,860 $3,195
State Farm $3,559 $4,252 $3,905 $3,905
USAA $1,836 $2,316 $3,116 $2,057

Cheapest Oak City, UT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak City, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,289 $6,984
American Family $6,929 $9,037
Farmers $8,308 $8,560
GEICO $5,626 $6,011
Liberty Mutual $8,950 $9,941
Nationwide $4,912 $6,270
Progressive $7,171 $7,957
State Farm $7,220 $8,975
USAA $4,672 $5,453

Cheapest Oak City, UT Car Insurance for Seniors

Take a look at Oak City, 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 Oak City, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,887 $1,881
American Family $1,766 $1,766
Farmers $1,727 $1,838
GEICO $2,068 $2,389
Liberty Mutual $1,976 $2,201
Nationwide $1,659 $1,752
Progressive $1,457 $1,559
State Farm $2,184 $2,184
USAA $1,209 $1,211

Cheapest Oak City, UT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oak City, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,747
American Family $4,190
Farmers $3,872
GEICO $3,801
Liberty Mutual $4,803
Nationwide $3,566
Progressive $2,860
State Farm $3,905
USAA $3,116

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Cheapest Oak City, UT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak City, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,173 $3,173
American Family $3,437 $3,441
Farmers $3,603 $3,603
GEICO $2,875 $2,978
Liberty Mutual $4,082 $4,220
Nationwide $2,845 $2,845
Progressive $3,222 $3,222
State Farm $3,807 $4,003
USAA $2,306 $2,357

The Best Cheap Car Insurance Companies in Oak City, UT

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

Average Annual Car Insurance Rates by Company in Oak City, Utah

Insurance Company Average Annual Rates
Allstate $3,173
American Family $3,439
Farmers $3,603
GEICO $2,927
Liberty Mutual $4,151
Nationwide $2,845
Progressive $3,222
State Farm $3,905
USAA $2,331

Category Winners: Cheapest Car Insurance in Oak City, Utah

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

Best Annual Car Insurance Rates by Company in Oak City, 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 Oak City, UT Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak City, Utah

Insurance Company Low Medium High
Allstate $3,021 $3,166 $3,333
American Family $3,341 $3,484 $3,493
Farmers $3,295 $3,552 $3,963
GEICO $2,730 $2,914 $3,135
Liberty Mutual $3,956 $4,135 $4,363
Nationwide $3,126 $2,702 $2,706
Progressive $2,942 $3,105 $3,620
State Farm $3,675 $3,914 $4,126
USAA $2,236 $2,332 $2,426

What affects car insurance rates in Oak City, Utah?

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

Commute Time in Oak City

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak City, UT is 28.5 minutes according to City-Data.

Compare Car Insurance Quotes in Oak City, UT

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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