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How much is car insurance in Draper?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Draper are on par with what you would pay anywhere else in Utah.
Drivers relocating from out of state may enjoy some cost savings in Draper. You can expect to pay about $18 below the national average for auto insurance in Draper.
Bear in mind that while these rates represent the expected monthly payments for Draper drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Draper residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Draper may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Draper, where male drivers pay about $15 more a month. Based on the chart above, you can see that female drivers pay around $53 on average, while male drivers typically pay $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Draper with a single accident on their record will usually see rates around $105 a month. Likewise, drivers with one ticket will be looking at a rate of around $75 a month on average.
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||$31|
|15 Years or Older||$61|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Draper, with drivers paying around $55 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $67 per month, while SUV drivers can expect to pay about $57 a month for insurance.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Draper, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
On average, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Draper can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Draper. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Draper, UT
Recent trends in car insurance for Draper drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Draper, the rates for auto insurance have been mixed over the past few years. They increased in 2016, fell in 2018, and rose again in 2020, before finishing at $73 in 2021.
How does Draper compare to neighboring areas?
Why are car insurance rates in Draper different from other areas?
Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime rates
- Road Safety (frequency of local car accidents)
- Local regulations
- Total drivers
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Draper?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Draper.
Draper Insurance FAQs
What factors affect car insurance quotes in Draper?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Draper different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Draper?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Draper?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Draper or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?