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How much is car insurance in Cedar City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Cedar City than it is in the rest of Utah.
If you're thinking of moving to Cedar City from out of state, you may still be in luck. The average monthly payment in Cedar City is about $26 less than the rate for the rest of the U.S.
These rates may be the average amount Cedar City drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Cedar City to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $36 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Cedar City.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Cedar City actually goes against the grain. While female drivers pay $58 a month for car insurance coverage, males only pay about $49.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Cedar City, a driving record with a single accident will usually get you a rate around $53 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $78.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Cedar City are by and large trucks and vans, at $48 per month.
SUV drivers will see rates of about $55 for auto insurance, while car owners typically pay around $56 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Cedar City are vehicles two-to-three years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Cedar City is about $13 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||$64|
One other element taken into consideration is your housing status. If you rent your home or apartment in Cedar City, expect to pay around $10 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly 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 Cedar City, UT
Recent trends in car insurance for Cedar City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Cedar City had been increasing from 2016-2018, but began to decrease from 2019-2020 -- when they reached a low of $42. Insurance rates finished up in 2021 at $75 a month.
How does Cedar City compare to neighboring areas?
Why are car insurance rates in Cedar City different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Regional laws
- Off-street parking accessibility
- Amount of drivers in the region
- Crime levels
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Cedar City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Cedar City.
Cedar City Insurance FAQs
What factors affect car insurance quotes in Cedar City?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Cedar City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Cedar City?
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 Cedar City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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, 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 Cedar City 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.