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How much is car insurance in Ogden?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Ogden are about the same as what you would pay anywhere else in Utah.
Likewise, the expected monthly payments for an auto insurance policy in Ogden are below the national average. The average monthly payment in Ogden is about $21 cheaper than the rate for the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've broken down the average rates for Ogden to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $41 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates start to rise again once you hit retirement age in Ogden.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Ogden, however, the difference in monthly rates for car insurance is minimal.
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 significantly lower rates than those with accidents or violations. In Ogden, having a single accident on your record will usually get you rates around $75 a month. Likewise, drivers with one ticket will be looking at a rate of around $71 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Ogden are by and large trucks and vans, at $54 per month.
Car owners, on the other hand, usually pay around $62 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Ogden, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Ogden are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Ogden. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Ogden, UT
Recent trends in car insurance for Ogden drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Ogden, the rates for car insurance have been steady over the past few years, reaching a low of $52 in 2019 and finishing up in 2022 with a high of $67.
How does Ogden compare to neighboring areas?
Why are car insurance rates in Ogden different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Local regulations
- Number of drivers
- Crime levels
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
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. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Ogden.
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Ogden Insurance FAQs
What factors affect car insurance quotes in Ogden?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Ogden different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Ogden?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Ogden?
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 Ogden 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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