Table of contents
How much is car insurance in Layton?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Layton are on par with what you would pay anywhere else in Utah.
Compared to the rest of the country, auto insurance in Layton is more affordable. It's about $15 cheaper to insure your vehicle in Layton compared to the average rate for the United States as a whole.
These rates may be the average amount Layton residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Layton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Layton.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Layton is about $6 per month. As illustrated in the table above, male drivers in the area pay about $68 on average, while female drivers pay around $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Layton, a driving record with a single accident will usually get you a rate around $95 a month. Likewise, drivers with one ticket will be looking at a rate of around $91 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$65|
According to the first table above, the cheapest vehicles to insure in Layton are typically SUVs, at $63 per month.
Truck and van drivers will see rates of about $70 for auto insurance, while car owners usually pay around $66 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Layton, 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)||$72|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Layton, the difference in rates based on relationship status can be as much as $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Layton. But if you live with your parents, your rates will be significantly higher.
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 Layton, UT
Recent trends in car insurance for Layton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Layton, the rates for auto insurance rose from 2016-2018, where they hit a high of $81, before steadying out in 2019. Insurance rates had been increasing once again in 2020, and have continued rising through 2021, where they finished at $64 per month.
How does Layton compare to neighboring areas?
Why are car insurance rates in Layton different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Regional crime rates
- Local laws
- Off-street parking availability
- Road Safety (how many accidents each locality has)
- Number of drivers in the region
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Layton?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Layton.
Layton Insurance FAQs
What factors affect car insurance quotes in Layton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Layton 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 Layton?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Layton?
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. 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 Layton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?