Best Cheap Auto Insurance in Ogden, UT (2021)

The average Ogden, UT auto insurance rates are $318 per month. The minimum auto insurance in Ogden is at least 25/65/15 in coverage to comply with Utah auto insurance laws. To find the best cheap auto insurance in Ogden, Utah, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Ogden for teen drivers is Liberty Mutual
  • Average auto insurance rates in Ogden, UT for senior drivers are $2,065 per year
  • The cheapest auto insurance company in Ogden is USAA

Ogden, Utah auto insurance requirements are 25/65/15 according to Utah auto insurance laws. Finding cheap auto insurance in Ogden 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 Ogden, Utah, including driving record, credit, commute time, and more.

Compare auto insurance in Ogden to other Utah cities, including West Jordan auto insurance rates, Layton auto insurance rates, and West Valley City auto insurance rates to see how Ogden, Utah auto insurance rates stack up.

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

Minimum Auto Insurance in Ogden, Utah

Ogden, 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 Ogden, Utah.

Minimum Required Auto 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

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

Auto insurance rates in Ogden, 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 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

Cheap Ogden, Utah Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Ogden, Utah Auto Insurance for Seniors

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

Annual Auto 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

Cheap Ogden, 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 Ogden, Utah compared to the annual auto insurance rates with a clean record in Ogden, Utah.

Annual Ogden, Utah Auto 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

Cheap Ogden, Utah Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ogden, Utah

Insurance Company Annual Auto 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

Cheap Ogden, Utah Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Ogden, Utah Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Ogden, Utah Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ogden, Utah

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Ogden, Utah Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Ogden, Utah

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

Best Annual Auto 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

The Cheapest Ogden, Utah Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Ogden, Utah?

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

Ogden Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ogden, Utah commute length is 20.2 minutes according to City-Data.

Ogden Traffic

How does Ogden, Utah rank for traffic? According to Inrix Ogden, Utah is the 931st most congested worldwide.

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Compare Ogden, Utah Auto Insurance Quotes

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