Midvale, UT Car Insurance

The average monthly cost for car insurance in Midvale is about $67. Check out our guide below to find out how much you'll pay.
Are rates in Midvale higher or lower than those in neighboring areas? How do they compare to the rest of Utah? What rates can residents of Midvale expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Midvale?

Area Average Monthly Car Insurance Premium
Midvale$67
UT$63
United States$80

You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Midvale than it is in the rest of Utah.

However, car insurance rates in Midvale are often favorable when viewed against the rest of the country. The average monthly payment in Midvale is about $13 cheaper than the rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Midvale, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

We've analyzed the average rate for Midvale and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$59
35-44$59
45-54$57
55-64$52
65+$59

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $45 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Midvale.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$70

While women typically pay less than men do for auto insurance, Midvale defies this trend. Female drivers typically pay around $5 more a month for auto insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$93
1 Ticket$74
Multiple Tickets$71

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Midvale with a single accident will pay around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $74 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$75
2-3 Years$62
4-5 Years$79
6-7 Years$59
8-10 Years$68
11-14 Years$65
15 Years or Older$70

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Midvale, with drivers paying around $60 per month for insurance coverage.

Car owners will see a monthly premium of about $70, while SUV owners by and large pay around $62 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Midvale, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$70
Married$74
Divorced$52
Widowed$60

Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Midvale can be as much as $4 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$70
Live with parents$93

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Midvale. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Midvale, UT

Recent trends in car insurance for Midvale drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Midvale, car insurance rates increased from 2016-2019, when they reached a high of $79. Policy premiums began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $53.

How does Midvale compare to neighboring areas?

Why are car insurance rates in Midvale different from other areas?

Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Number of drivers in the community
  • Crime
  • Number of car accidents
  • Amount of off-street parking
  • Laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Midvale?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Midvale.

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Midvale Insurance FAQs

What factors affect car insurance quotes in Midvale?

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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Midvale 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 Midvale?

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 Midvale?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Midvale 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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