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How much is car insurance in Springville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Springville as it does in the rest of Utah.
Drivers relocating from out of state may enjoy some cost savings in Springville. The average monthly payment in Springville is about $18 less than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Springville, 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 coverage. 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 the bill you'll see each month.
Don't sweat it however, we've broken down the average rate for Springville residents based on several different factors so that you can get a more accurate idea of what you might 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|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may start to rise again in Springville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. Male and female drivers in Springville, however, both pay the same monthly amount for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Springville, having a single accident on your record will usually get you rates around $83 a month. In addition, drivers with a single ticket on their record can expect to pay around $76 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Springville are typically SUVs, at $52 per month.
Truck and van drivers will see rates of about $63, while the rates for car owners average out to about $67 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Springville, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Springville can be as much as $8 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor that comes into play is your living situation. Renters can expect to pay around $5 a month more than those who own their own home in Springville. But if you live with your parents, you can expect to pay a lot 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 Springville, UT
Recent trends in car insurance for Springville 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.
Car insurance rates in Springville went up from 2017-2018, before leveling out in 2019. Insurance rates rose again recently, reaching a high of $83 in 2022.
How does Springville compare to neighboring areas?
Why are car insurance rates in Springville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Community laws
- Total amount of drivers in the area
- Amount of off-street parking
- Road Safety (total number of local car accidents)
- Regional crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Springville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Springville.
Springville Insurance FAQs
What factors affect car insurance quotes in Springville?
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 Springville different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Springville?
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 Springville?
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?
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 Springville 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?