Table of contents
How much is car insurance in Ogden?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Ogden typically costs about $4 a month less than it does in the rest of Utah.
Compared to the national average cost of auto insurance coverage, Ogden has lower rates. Auto insurance coverage in Ogden is about $21 cheaper than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Ogden, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Ogden 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 below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may creep back up in Ogden.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Ogden, although women do pay a little bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Ogden with a single accident will pay around $67 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$55|
In Ogden, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $55 per month for insurance coverage.
Car owners can expect to pay an average of around $60 a month for their policy, while SUVs usually cost around $56 a month to insure.
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 cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Ogden, for example, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Ogden are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month more than homeowners in Ogden. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Ogden, UT
Recent trends in car insurance for Ogden drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Ogden, auto insurance rates increased from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $57 a month
How does Ogden compare to neighboring areas?
Why are car insurance rates in Ogden different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Number of drivers
- Crime rates
- Off-street parking availability
- Rate of car accidents
- Community regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Ogden?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Ogden.
Ogden Insurance FAQs
What factors affect car insurance quotes in Ogden?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Ogden 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 Ogden?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ogden?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ogden or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.