Table of contents
How much is car insurance in Herriman?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Herriman typically costs about $4 a month less than it does in the rest of Utah.
Compared to the rest of the country, auto insurance in Herriman is more affordable. The average monthly payment in Herriman is about $21 less than the rate for the rest of the United States.
While these are the average car insurance rates for Herriman, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
We've analyzed the average rate for Herriman and broken down the different factors to help you understand what exactly you might be asked to 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Herriman may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Herriman is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Herriman, a driving record with one accident will usually get you a rate around $82 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $93.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$58|
As you can see in the first table above, the cheapest vehicles to insure in Herriman are by and large SUVs, which run about $58 per month.
SUV owners can expect to pay an average of around $58 a month for their policy, while truck and van drivers are usually around $61 to insure each month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Herriman, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Herriman follows that pattern, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $5 a month more than drivers who own property in Herriman. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Herriman, UT
Recent trends in car insurance for Herriman drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Herriman rose from 2016-2019, when they hit a high of $64. Car insurance rates started to turn downward in 2020, and this pattern has continued through 2021, when rates have most recently reached $54.
How does Herriman compare to neighboring areas?
Why are car insurance rates in Herriman different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Access to off-street parking
- Total number of drivers in the community
- Crime rates
- 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. 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 Herriman?
While getting familiar with 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 wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Herriman.
Herriman Insurance FAQs
What factors affect car insurance quotes in Herriman?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Herriman different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Herriman?
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 Herriman?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Herriman 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.