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How much is car insurance in Logan?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Logan is about $5 cheaper than it is in the rest of Utah.
Similarly, the expected monthly payments for an auto insurance policy in Logan are below the national average. Auto insurance coverage in Logan is about $23 cheaper than it is for the rest of the U.S.
These rates may be the average amount Logan residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Logan 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 sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Logan.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Logan, the difference comes out to about $6 a month. As you can see in the table above, male drivers in the area typically pay $61 on average, while female drivers typically pay $55 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 significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Logan with a single accident will pay around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$55|
In Logan, the cheapest vehicles to insure are usually cars, with drivers paying around $58 per month to insure their vehicle.
SUVs, trucks, and vans, however, all cost about the same for insurance -- around $58 per month.
The age of your vehicle can also affect your monthly bill. 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 Logan, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
More often than not, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Logan is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Logan. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Logan, UT
Recent trends in car insurance for Logan drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Logan rose from from 2017-2019, when they reached a high of $76. This shifted in 2020, when insurance rates began to decrease. They hit a low of $42 in 2021, and finished up in 2022, at $66.
How does Logan compare to neighboring areas?
Why are car insurance rates in Logan different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Amount of drivers
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Community laws
- Prevalence of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Logan?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Logan.
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Logan Insurance FAQs
What factors affect car insurance quotes in Logan?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Logan different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Logan?
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 Logan?
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. 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 Logan 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?
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