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How much is car insurance in American Fork?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in American Fork than it is in the rest of Utah.
Drivers relocating from out of state may enjoy some cost savings in American Fork. You can expect to pay about $10 less for your policy in American Fork than in the rest of U.S.
Bear in mind that while these rates are the average costs for drivers in American Fork, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rate for American Fork residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. American Fork drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in American Fork is around $14 a month. As illustrated in the table above, female drivers in the area pay about $63 on average, while male drivers pay around $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in American Fork with one accident will pay around $94 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $92 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$69|
As you can see in the first table above, the cheapest vehicles to insure in American Fork are typically SUVs, which run about $56 per month.
Car owners can expect to pay an average of around $72 a month for their policy, while truck and van drivers are usually around $87 to insure each month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In American Fork, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in American Fork, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in American Fork. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in American Fork, UT
Recent trends in car insurance for American Fork drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance coverage in American Fork dropped from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $60 per month
How does American Fork compare to neighboring areas?
Why are car insurance rates in American Fork different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Rate of crime
- Road Safety (frequency of car accidents)
- Total number of drivers
- Area regulations
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in American Fork?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in American Fork.
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American Fork Insurance FAQs
What factors affect car insurance quotes in American Fork?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in American Fork different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in American Fork?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to American Fork?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to American Fork or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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