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How much is car insurance in Midvale?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Midvale are about $5 a month more expensive than the rest of Utah.
Compared to the rest of the country, auto insurance in Midvale is more affordable. It's about $13 cheaper to insure your vehicle in Midvale compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Midvale, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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 analyzed the average rate for Midvale and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|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 bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Midvale.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly auto coverage, the difference in Midvale is only about $3 per 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 clean records can expect to pay much less than those with infractions. In Midvale, drivers with one accident on their record will experience rates around $86 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $88.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$68|
The cheapest vehicles to insure in Midvale are typically trucks and vans, with each type typically costing about $58 per month.
SUV drivers will see rates of about $64, while the rates for car owners average out to about $70 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down 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|
Overall, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Midvale.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
One other element taken into consideration is your housing status. In Midvale, homeowners can expect to pay around $12 a month less than those who rent. 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 average premiums.
Car Insurance Companies in Midvale, UT
Recent trends in car insurance for Midvale 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.
The rates for car insurance in Midvale went up from 2017-2019, but started to turn downward from 2020-2021 -- when they hit a low of $58. Car insurance rates finished up in 2022 at $80 per month.
How does Midvale compare to neighboring areas?
Why are car insurance rates in Midvale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Total drivers
- Community regulations
- Local crime rates
- Amount of off-street parking
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. 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 Midvale?
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 can handle all of this for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing plans in Midvale.
Midvale Insurance FAQs
What factors affect car insurance quotes in Midvale?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Midvale different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
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?
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. 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 Midvale 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?