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How much is car insurance in Layton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Layton are in line with rates across the rest of Utah.
Conversely, when compared to the national average, the cost for auto insurance in Layton is lower. The average monthly payment in Layton is about $16 less than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Layton, you could end up paying something different. 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.
We've done the heavy lifting for you and broken down the average rate for Layton so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $46 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to go back up in Layton.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Layton is around $6 per month. Based on the chart above, you can see that male drivers pay $68 on average, while female drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest 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. The rate for drivers in Layton with a single accident on their record is about $90 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $73 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$64|
If you look at the first table above, the cheapest vehicles to insure in Layton are typically cars, trucks, and vans, at $64 per month.
On the other hand, SUV owners, can expect to pay about $66 a month for insurance.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Layton are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
More often than not, 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.
At a national level, single drivers usually pay more than married couples do for auto insurance. Layton follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $2 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.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Layton, UT
Recent trends in car insurance for Layton drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for auto insurance in Layton had been increasing from 2017-2018 -- where they hit a high of $81 -- before steadying out in 2019. Rates increased again in 2020, and finished down at $61 in 2022.
How does Layton compare to neighboring areas?
Why are car insurance rates in Layton different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Availability of off-street parking
- Regional crime rates
- Regional regulations
- Amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Layton?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Layton.
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Layton Insurance FAQs
What factors affect car insurance quotes in Layton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Layton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, 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 Layton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Layton?
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, 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 Layton 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.
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