Table of contents
How much is car insurance in Saint George?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Saint George is about $7 cheaper than it is in the rest of Utah.
Similarly, when compared to the national average, the cost for auto insurance in Saint George is lower. It's about $24 cheaper to insure your vehicle in Saint George compared to the average rate for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Saint George, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've analyzed the average rate for Saint George and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may rise again in Saint George.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Saint George, this difference shakes out to about $7 a month. As illustrated in the table above, female drivers in the area pay about $52 on average, while male drivers pay around $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. In Saint George, having a single accident on your record will usually get you rates around $124 a month. In addition, drivers with one ticket can expect to pay around $80 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$45|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Saint George, with drivers paying around $48 per month to insure their vehicle.
Car owners will see a monthly rate of about $58, while SUV owners usually pay around $51 per month.
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, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Saint George are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Saint George is no exception, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $14 a month less than drivers who own property in Saint George. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Saint George, UT
Recent trends in car insurance for Saint George drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in Saint George had been increasing from 2016-2018, before leveling out in 2019. Car insurance rates have been increasing again recently, and rose to $121 in 2021.
How does Saint George compare to neighboring areas?
Why are car insurance rates in Saint George different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Number of drivers in the community
- Access to off-street parking
- Rate of car accidents
- Rate of crime
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Saint George?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Saint George.
Saint George Insurance FAQs
What factors affect car insurance quotes in Saint George?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Saint George different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Saint George?
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 Saint George?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Saint George or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.