Table of contents
How much is car insurance in Sandy?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Sandy as it does in the rest of Utah.
That being said, car insurance rates in Sandy are often favorable when viewed against the rest of the country. It's around $15 less to insure your vehicle compared to the average rate for the U.S. as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for Sandy residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. 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 about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Sandy.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Sandy, where male drivers pay about $5 more a month. As you can see in the table above, male drivers in the area typically pay $67 on average, while female drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Sandy with one accident will pay around $79 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$65|
In terms of affordable coverage, the cheapest vehicles to insure in Sandy are usually SUVs, at $60 per month.
Car owners, on the other hand, typically pay around $66 per month, while truck and van drivers can expect to pay about $65 a month to insure their vehicle.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Sandy, 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)||$68|
On average, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Sandy, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month less than homeowners in Sandy. But if you live with your parents, your rates will be significantly higher.
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 Sandy, UT
Recent trends in car insurance for Sandy 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.
Car insurance rates in Sandy increased from 2016-2018, when they reached a high of $79. This shifted in 2019, when rates began to decrease. They hit a low of $52 in 2020, and finished up in 2021, at $53 per month.
How does Sandy compare to neighboring areas?
Why are car insurance rates in Sandy different from other areas?
When considering how much to charge for coverage, car insurance companies will review 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:
- Availability of off-street parking
- Amount of drivers in the community
- Road Safety (frequency of car accidents)
- Regional regulations
- Prevalence of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Sandy?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Sandy.
Sandy Insurance FAQs
What factors affect car insurance quotes in Sandy?
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 Sandy different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Sandy?
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 Sandy?
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?
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 Sandy 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.