Best Cheap Auto Insurance in Nephi, UT (2021)

The average Nephi, UT auto insurance rates are $283 per month. The minimum auto insurance in Nephi is at least 25/65/15 in coverage to comply with Utah auto insurance laws. To find the best cheap auto insurance in Nephi, Utah, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Nephi is 23.0 minutes
  • Average auto insurance rates in Nephi, UT for senior drivers are $1,864 per year
  • The cheapest auto insurance company in Nephi is USAA

Nephi, Utah auto insurance requirements are 25/65/15 according to Utah auto insurance laws. Finding cheap auto insurance in Nephi can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Nephi, Utah, including driving record, credit, commute time, and more.

Compare auto insurance in Nephi to other Utah cities, including Provo auto insurance rates, Sandy auto insurance rates, and South Jordan auto insurance rates to see how Nephi, Utah auto insurance rates stack up.

Before you buy Nephi, Utah auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Nephi, Utah auto insurance quotes.

Minimum Auto Insurance in Nephi, Utah

Nephi, Utah auto insurance laws require that you have at least the Utah minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Nephi, Utah.

Minimum Required Auto Insurance Coverage in Nephi, 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

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Cheap Nephi, Utah Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Nephi, Utah are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Nephi, 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 $2,094 $1,933 $1,905 $1,899 $6,370 $7,076 $2,206 $2,183
American Family $1,979 $1,979 $1,815 $1,815 $7,096 $9,328 $1,979 $2,345
Farmers $1,979 $1,953 $1,746 $1,859 $8,460 $8,714 $2,253 $2,336
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 $1,866 $1,887 $1,670 $1,757 $5,031 $6,394 $2,152 $2,305
Progressive $1,876 $1,743 $1,531 $1,638 $7,691 $8,534 $2,169 $2,282
State Farm $2,633 $2,633 $2,382 $2,382 $7,930 $9,839 $2,983 $3,426
USAA $1,405 $1,383 $1,258 $1,261 $4,867 $5,686 $1,712 $1,871

Cheap Nephi, Utah Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Nephi, Utah is a challenge. Take a look at the annual teen auto insurance rates in Nephi, Utah.

Annual Auto Insurance Rates for Teen Drivers in Nephi, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,370 $7,076
American Family $7,096 $9,328
Farmers $8,460 $8,714
GEICO $5,626 $6,011
Liberty Mutual $8,950 $9,941
Nationwide $5,031 $6,394
Progressive $7,691 $8,534
State Farm $7,930 $9,839
USAA $4,867 $5,686

Cheap Nephi, Utah Auto Insurance for Seniors

What are senior auto insurance rates in Nephi, Utah? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Nephi, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,905 $1,899
American Family $1,815 $1,815
Farmers $1,746 $1,859
GEICO $2,068 $2,389
Liberty Mutual $1,976 $2,201
Nationwide $1,670 $1,757
Progressive $1,531 $1,638
State Farm $2,382 $2,382
USAA $1,258 $1,261

Cheap Nephi, Utah Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Nephi, Utah compared to the annual auto insurance rates with a clean record in Nephi, Utah.

Annual Nephi, Utah Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,718 $3,271 $3,791 $3,054
American Family $2,928 $3,646 $4,307 $3,286
Farmers $3,115 $4,058 $3,939 $3,538
GEICO $2,131 $3,301 $3,801 $2,473
Liberty Mutual $3,262 $4,450 $4,803 $4,090
Nationwide $2,291 $3,080 $3,606 $2,554
Progressive $2,899 $4,401 $3,033 $3,400
State Farm $3,893 $4,658 $4,276 $4,276
USAA $1,912 $2,415 $3,252 $2,142

Cheap Nephi, Utah Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Nephi, Utah is not easy. Compare the annual rates for DUI auto insurance in Nephi, Utah to find the best deal.

Annual Auto Insurance Rates After a DUI in Nephi, Utah

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,791
American Family $4,307
Farmers $3,939
GEICO $3,801
Liberty Mutual $4,803
Nationwide $3,606
Progressive $3,033
State Farm $4,276
USAA $3,252

Cheap Nephi, Utah Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Nephi, Utah annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Nephi, Utah

Insurance Company Poor Fair Good
Allstate $4,296 $2,877 $2,452
American Family $4,451 $3,337 $2,838
Farmers $4,191 $3,486 $3,310
GEICO $4,460 $2,470 $1,850
Liberty Mutual $5,930 $3,643 $2,880
Nationwide $3,570 $2,697 $2,381
Progressive $3,884 $3,325 $3,090
State Farm $6,956 $3,503 $2,368
USAA $3,488 $2,220 $1,583

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Cheap Nephi, Utah Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Nephi, Utah can vary. Compare the annual cost of auto insurance by ZIP code in Nephi, Utah to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Nephi, Utah

ZIP Code Average Annual Rates
84648 $3,390

Cheap Nephi, Utah Auto Insurance Rates By Commute

Commute length and annual mileage affect Nephi, Utah auto insurance. Find the cheapest annual Nephi, Utah auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Nephi, Utah

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,208 $3,208
American Family $3,539 $3,544
Farmers $3,662 $3,662
GEICO $2,875 $2,978
Liberty Mutual $4,082 $4,220
Nationwide $2,883 $2,883
Progressive $3,433 $3,433
State Farm $4,170 $4,382
USAA $2,403 $2,457

Cheap Nephi, Utah Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Nephi, Utah? Check out the comparison of annual Nephi, Utah auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Nephi, Utah

Insurance Company Low Medium High
Allstate $3,056 $3,201 $3,368
American Family $3,455 $3,588 $3,582
Farmers $3,356 $3,611 $4,020
GEICO $2,730 $2,914 $3,135
Liberty Mutual $3,956 $4,135 $4,363
Nationwide $3,155 $2,739 $2,754
Progressive $3,186 $3,342 $3,771
State Farm $4,038 $4,285 $4,504
USAA $2,324 $2,432 $2,535

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Best By Category: Cheapest Auto Insurance in Nephi, Utah

Compare the cheapest auto insurance companies in Nephi, Utah in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Nephi, Utah

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

The Cheapest Nephi, Utah Auto Insurance Companies

What auto insurance companies in Nephi, Utah are the cheapest? Compare the top Nephi, Utah auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Nephi, Utah

Insurance Company Average Annual Rates
Allstate $3,208
American Family $3,542
Farmers $3,662
GEICO $2,927
Liberty Mutual $4,151
Nationwide $2,883
Progressive $3,433
State Farm $4,276
USAA $2,430

What affects auto insurance rates in Nephi, Utah?

There are a lot of reasons why auto insurance rates in Nephi, Utah are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Nephi, Utah. Many local factors may affect your Nephi auto insurance rates.

Nephi Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Nephi, Utah commute length is 23.0 minutes according to City-Data.

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Compare Nephi, Utah Auto Insurance Quotes

Before you buy Nephi, Utah auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Nephi, Utah auto insurance quotes.

Free Auto Insurance Comparison

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

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