Table of contents
How much is car insurance in American Fork?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in American Fork are about $11 a month more expensive than the rest of Utah.
If you're thinking of moving to American Fork from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $6 more expensive than in American Fork.
While these are the average car insurance rates for American Fork, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for American Fork residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to increase again in American Fork.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In American Fork, this difference shakes out to about $16 per month. Based on the chart above, you can see that female drivers pay around $64 on average, while male drivers typically pay $80 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in American Fork with a single accident will pay around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $131.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$73|
According to the first table above, the cheapest vehicles to insure in American Fork are usually SUVs, at $57 per month.
Car owners can expect to pay an average of around $80 a month for their policy, while truck and van drivers are usually around $58 to insure each month.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in American Fork are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in American Fork is about $15 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Another factor that comes into play is your living situation. Those who own their own home in American Fork can expect to pay around $12 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in American Fork, UT
Recent trends in car insurance for American Fork drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in American Fork increased from 2016-2017, before steadying out in 2018. They finished up in 2021, at $121 a month
How does American Fork compare to neighboring areas?
Why are car insurance rates in American Fork different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Regional regulations
- Total amount of drivers in the area
- Regional crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in American Fork?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing coverage in American Fork.
American Fork Insurance FAQs
What factors affect car insurance quotes in American Fork?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in American Fork different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in American Fork?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to American Fork?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to American Fork or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.