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How much is car insurance in Logan?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Logan are about $4 a month cheaper than in the rest of Utah.
Compared to the national average cost of auto insurance coverage, Logan has lower rates. It's about $21 cheaper than the national average to insure your vehicle in Logan.
Although these are the average monthly costs for an auto insurance policy in Logan, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Logan to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Logan drivers 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. The difference in average rates in Logan totals about $9 per month. Looking at the table above, you can see that female drivers pay around $54 on average, while male drivers typically pay $63 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 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 one accident will pay around $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in Logan are usually trucks and vans, which run about $58 per month.
SUV drivers will see rates of about $60 for insurance coverage, while car owners by and large pay around $59 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Logan, the most expensive vehicles to insure are vehicles four-to-five years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Logan is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing status is another factor that affects your monthly rate. Drivers who own property in Logan can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
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 Logan, UT
Recent trends in car insurance for Logan drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
Car insurance rates in Logan went up from 2016-2019, when they hit a high of $76. This pattern shifted in 2020, when they began to decrease, and have continued to do so through 2021, when insurance rates reached a low of $37 per month.
How does Logan compare to neighboring areas?
Why are car insurance rates in Logan different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total amount of drivers in the community
- Availability of off-street parking
- Area regulations
- Rate of car accidents
- Regional crime rates
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 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 Logan?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Logan in no time.
Logan Insurance FAQs
What factors affect car insurance quotes in Logan?
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, marital status, and address.
Why is the cost of car insurance in Logan different from other neighboring cities?
Crime rates, local laws, 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 Logan?
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 Logan?
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. 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 Logan or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?