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How much is car insurance in Bountiful?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Bountiful are on par with what you would pay anywhere else in Utah.
Compared to the rest of the country, auto insurance in Bountiful is more affordable. The average monthly payment in Bountiful is about $18 cheaper than the rate for the rest of the United States.
These rates may be the average amount Bountiful drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rates for Bountiful residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Bountiful drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While this isn't true in Bountiful, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Bountiful with one accident will pay around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$64|
The most affordable vehicles to insure in Bountiful are typically trucks and vans, which run about $51 per month.
Car owners will see a monthly bill of about $66, while SUV owners usually pay around $63 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Bountiful, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Overall, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bountiful as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Bountiful. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Bountiful, UT
Recent trends in car insurance for Bountiful drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Bountiful decreased from 2017-2020, when they hit a low of $46. This pattern leveled out in 2021, when they began to rise, and have continued on that road through 2022, when policy premiums reached a high of $88 a month.
How does Bountiful compare to neighboring areas?
Why are car insurance rates in Bountiful different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Area regulations
- Total amount of drivers in the area
- Access to off-street parking
- Crime levels
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Bountiful?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Bountiful.
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Bountiful Insurance FAQs
What factors affect car insurance quotes in Bountiful?
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Bountiful different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bountiful?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bountiful?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bountiful or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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