Table of contents
How much is car insurance in Vernal?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Vernal typically costs about $13 a month less than it does in the rest of Utah.
Compared to the national average cost of auto insurance coverage, Vernal has lower rates. The average monthly payment in Vernal is about $30 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Vernal, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Vernal residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
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 creep back up a bit in Vernal.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Vernal, where women pay around $13 less per month than men. Based on the chart above, you can see that male drivers pay $58 on average, while female drivers typically pay $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Vernal with one accident will pay around $88 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $100.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$51|
The most affordable vehicles to insure in Vernal are typically SUVs and cars, which run about $47 per month.
Truck and van drivers will see rates of about $57 for car insurance coverage, while SUV owners by and large pay around $47 a month.
In addition to vehicle type, 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, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Vernal are vehicles eight-to-ten years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Overall, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Vernal reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Vernal. But if you live with your parents, you can expect to pay a lot more.
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 car insurance premiums.
Car Insurance Companies in Vernal, UT
Recent trends in car insurance for Vernal drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Vernal, car insurance rates rose from 2016-2019, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $38.
How does Vernal compare to neighboring areas?
Why are car insurance rates in Vernal different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road safety
- Availability of off-street parking
- Number of drivers in the area
- Local regulations
- Local crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Vernal?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Vernal in no time.
Vernal Insurance FAQs
What factors affect car insurance quotes in Vernal?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Vernal different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Vernal?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Vernal?
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 Vernal 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?