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How much is car insurance in Sandy?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Sandy are about the same as the rest of Utah.
When stacked up against the national average, the average monthly policy payment for Sandy is more affordable. You can expect to pay about $17 below the national average for auto insurance in Sandy.
While these are the average car insurance rates for Sandy, keep in mind that you could end up paying a different amount. 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 done the heavy lifting for you and broken down the average rate for Sandy 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $55 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Sandy may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Sandy, this difference shakes out to about $5 a month. As illustrated in the table above, female drivers in the area pay about $62 on average, while male drivers pay around $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Sandy with a single accident on their record is about $75 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $80 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$66|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Sandy, with drivers paying around $61 per month for auto insurance.
Truck and van drivers will see rates of about $67 for car insurance coverage, while SUV owners by and large pay around $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip 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)||$67|
More often than not, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Sandy follows that pattern, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor that comes into play is your housing situation. Renters can expect to pay around $6 a month less than drivers who own property in Sandy. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Sandy, UT
Recent trends in car insurance for Sandy drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Sandy, the rates for car insurance have been mixed over the past few years. They increased in 2017, fell in 2019, and rose again in 2021, before finishing at $62 in 2022.
How does Sandy compare to neighboring areas?
Why are car insurance rates in Sandy different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Amount of off-street parking
- Local crime rates
- General road safety (how many accidents each locality has)
- Total amount of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Sandy?
Equipping 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. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Sandy.
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Sandy Insurance FAQs
What factors affect car insurance quotes in Sandy?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Sandy 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 Sandy?
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 Sandy?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Sandy 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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