Compare Ogden, UT Car Insurance Rates (2021)

Car insurance in Ogden, UT averages $318 a month. Ogden, Utah car insurance requirements are 25/65/15, but you might need full coverage insurance if your car is financed. To find cheap Ogden car insurance rates, compare quotes from the top car insurance companies in Ogden, 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 ZIP code in Ogden is 84414
  • The cheapest car insurance company in Ogden for teen drivers is GEICO
  • Average car insurance rates in Ogden, UT are $3,817/year

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

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

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

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

How do age, gender, and marital status affect Ogden, UT car insurance rates? Every Ogden, 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 Ogden, 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 $2,349 $2,180 $2,136 $2,138 $7,411 $8,305 $2,499 $2,486
American Family $2,268 $2,268 $2,093 $2,093 $8,290 $10,765 $2,268 $2,662
Farmers $2,110 $2,085 $1,864 $1,990 $9,022 $9,286 $2,382 $2,452
GEICO $1,818 $2,025 $2,033 $2,392 $5,446 $5,785 $1,570 $1,554
Liberty Mutual $2,731 $2,940 $2,262 $2,523 $11,116 $12,336 $2,872 $3,041
Nationwide $2,030 $2,048 $1,815 $1,906 $5,631 $7,148 $2,358 $2,524
Progressive $2,214 $2,048 $1,817 $1,936 $9,274 $10,316 $2,554 $2,683
State Farm $3,006 $3,006 $2,752 $2,752 $9,395 $11,692 $3,415 $3,894
USAA $1,487 $1,461 $1,337 $1,334 $5,264 $6,133 $1,806 $1,976

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Minimum Car Insurance in Ogden, UT

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

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

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

Annual Car Insurance Rates by Credit Score in Ogden, Utah

Insurance Company Poor Fair Good
Allstate $4,933 $3,310 $2,822
American Family $5,137 $3,858 $3,270
Farmers $4,461 $3,711 $3,524
GEICO $4,307 $2,388 $1,789
Liberty Mutual $7,100 $4,384 $3,449
Nationwide $3,922 $2,990 $2,636
Progressive $4,623 $3,982 $3,711
State Farm $8,123 $4,086 $2,759
USAA $3,721 $2,378 $1,700

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

Annual Ogden, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,106 $3,750 $4,388 $3,508
American Family $3,359 $4,212 $4,993 $3,789
Farmers $3,316 $4,317 $4,191 $3,771
GEICO $2,027 $3,176 $3,751 $2,357
Liberty Mutual $3,885 $5,361 $5,763 $4,901
Nationwide $2,527 $3,401 $3,984 $2,818
Progressive $3,467 $5,271 $3,630 $4,054
State Farm $4,523 $5,455 $4,989 $4,989
USAA $2,039 $2,588 $3,484 $2,286

Cheapest Ogden, UT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ogden, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,411 $8,305
American Family $8,290 $10,765
Farmers $9,022 $9,286
GEICO $5,446 $5,785
Liberty Mutual $11,116 $12,336
Nationwide $5,631 $7,148
Progressive $9,274 $10,316
State Farm $9,395 $11,692
USAA $5,264 $6,133

Cheapest Ogden, UT Car Insurance for Seniors

Take a look at Ogden, 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 Ogden, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,136 $2,138
American Family $2,093 $2,093
Farmers $1,864 $1,990
GEICO $2,033 $2,392
Liberty Mutual $2,262 $2,523
Nationwide $1,815 $1,906
Progressive $1,817 $1,936
State Farm $2,752 $2,752
USAA $1,337 $1,334

Cheapest Ogden, UT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ogden, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,388
American Family $4,993
Farmers $4,191
GEICO $3,751
Liberty Mutual $5,763
Nationwide $3,984
Progressive $3,630
State Farm $4,989
USAA $3,484

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Cheapest Ogden, UT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ogden, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,688 $3,688
American Family $4,086 $4,090
Farmers $3,899 $3,899
GEICO $2,781 $2,874
Liberty Mutual $4,898 $5,058
Nationwide $3,183 $3,183
Progressive $4,105 $4,105
State Farm $4,858 $5,120
USAA $2,571 $2,628

Cheapest Ogden, UT Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Ogden, Utah

ZIP Code Average Annual Rates
84401 $3,862
84403 $3,812
84404 $3,836
84408 $3,779
84414 $3,726

The Best Cheap Car Insurance Companies in Ogden, UT

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

Average Annual Car Insurance Rates by Company in Ogden, Utah

Insurance Company Average Annual Rates
Allstate $3,688
American Family $4,088
Farmers $3,899
GEICO $2,828
Liberty Mutual $4,978
Nationwide $3,183
Progressive $4,105
State Farm $4,989
USAA $2,600

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Category Winners: Cheapest Car Insurance in Ogden, Utah

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

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

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

Annual Car Insurance Rates by Coverage Level in Ogden, Utah

Insurance Company Low Medium High
Allstate $3,515 $3,680 $3,869
American Family $3,956 $4,142 $4,167
Farmers $3,542 $3,839 $4,316
GEICO $2,592 $2,816 $3,075
Liberty Mutual $4,716 $4,956 $5,261
Nationwide $3,477 $3,026 $3,045
Progressive $3,720 $3,939 $4,657
State Farm $4,639 $5,006 $5,322
USAA $2,471 $2,603 $2,725

What affects car insurance rates in Ogden, Utah?

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

Commute Time in Ogden

The more time you spend in your car the higher the risk of an accident. The average commute length in Ogden, UT is 20.2 minutes according to City-Data.

Traffic in Ogden

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ogden, UT traffic data from INRIX ranks Ogden as the 931st-most congested in the world.

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Compare Car Insurance Quotes in Ogden, UT

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

Free Car Insurance Comparison

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