Bingham Auto Insurance Rates, Quotes, Agents & Reviews in UT

Bingham, UT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bingham, UT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Three Ways to Avail Discounts on Car Insurance in Bingham, UT

Whether you own a new or used car, you have to purchase insurance to protect your investment. Car insurance costs differ from driver to driver. Therefore, it is important to understand the policy in order to choose the right car insurance plan for yourself. The average cost of car insurance in Bingham, UT, is $1,284. There are specific alternatives that allow car drivers to reduce their car insurance rates in Bingham, UT. 

Here are a few cost-saving tips to help you save money on car insurance in Bingham, UT.

a. By obeying driving regulations

The major factors determining your car insurance rate in Bingham, UT, are your driving history and how you use your vehicle. You can maintain the insurance cost down by obeying driving regulations, such as not speeding, not texting while driving, and not running red lights or stop signs. If you have a clean driving record, you’ll be able to get cheaper car insurance.

For instance, car drivers punished for driving without headlights or using a phone while driving have to pay +$56 and +$294 extra on the total cost insurance. 

Refer to the graph below to understand the car insurance rates per driving violation.


b. By opting for a high deductible

Car drivers in Bingham, UT, can opt for higher deductibles to reduce their auto insurance premiums. A deductible is a sum of money you are responsible for before an insurance company starts to pay any of your claims. The higher the deductible, the lower the auto insurance. Auto drivers in Bingham who opt for a low deductible of 500 pay $1,577, whereas those who opt for a higher deductible of 1000 pay $1,332. Here, by paying a higher deductible, you can save up to $245. 

c. By availing of multi-car discounts

Multi-car discount is one of the best ways to save money on your car insurance in Bingham, UT. Adding more vehicles to your policy with the same insurance provider can get you a multi-car discount. It means policyholders can save a few dollars on car insurance in Bingham, UT. 

Generally, in Bingham, UT, car owners pay $2,183 on two vehicles and $3,274 on three cars. They can save up to $385 and $578 on car insurance rates.

Factors that can influence the cost of car insurance in Bingham, UT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Bingham, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bingham, UT with that of other cities in and around Bingham.

Bingham Riverton Bluffdale West Jordan Kearns South Jordan
Average Insurance Rates $1,284 $1,265 $1,350 $1,254 $1,212 $1,303

Bingham, UT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bingham, UT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bingham $1,577 $1,332
Herriman $1,032 $872
Copperton $1,079 $912
South Jordan $1,651 $1,395
Riverton $998 $843
West Jordan $1,387 $1,172
Bluffdale $1,949 $1,646
Kearns $1,112 $940

Bingham, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bingham, UT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,166
20 Years $1,650
30 Years $1,271
40 Years $1,223
50 Years $1,132
60 Years $1,148
70 Years $1,336

Bingham, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bingham, UT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,183 $385
3 Vehicles $3,274 $578
4 Vehicles $4,366 $770

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$770

Bingham, UT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bingham, UT.

Location Average Insurance Cost Post DUI Insurance Rate
Bingham $1,284 $1,953
Herriman $1,300 $1,977
Copperton $1,565 $2,380
South Jordan $1,303 $1,982
Riverton $1,265 $1,924
West Jordan $1,254 $1,907
Bluffdale $1,350 $2,053
Kearns $1,212 $1,843

Bingham, UT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,102
Excellent (740-799) $1,258
Good (670-739) $1,338
Average (580-669) $1,746
Poor (300-579) $2,094

Bingham, UT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Banasky Insurance Inc Travelers 12401 S 450 E UNIT D1, DRAPER, 84020 801-748-1009
Dan Rodriguez State Farm 2120 W 12600 S Ste A2, Riverton, 84065-7131 801-254-4441
Trudy Fegel Allstate 191 E 12300 S Ste M3, Draper, 84020 (801) 256-6556
Tj Olson State Farm 5524 W 13400 S, Herriman, 84096-6919 801-302-7902
Paul Arguello State Farm 3544 W 6200 S Ste 102, Taylorsville, 84129-3206 801-531-6700
Carlos Cabarcas State Farm 4922 W 6200 S, Salt Lake Cty, 84118-6703 801-982-9000
G Ware Liberty Mutual 12427 South Pasture Road Suite 100, Riverton, 84096 1-801-253-3958
Baker Insurance Services Inc Travelers 9235B SOUTH REDWOOD RD, WEST JORDAN, 84088 801-566-8040
Universal Business Ins Inc Travelers 9980 S 300 W STE 320, SANDY, 84070 801-984-6100

Bingham, UT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$56 $1,340
Driver's Failure In Showing Documents +$125 $1,409
Driving With An Expired Registration +$132 $1,416
Driving At A Considerably Slow Pace +$279 $1,563
Using A Cellphone While Driving +$294 $1,578
Running A Red Light +$299 $1,583
Speeding +$315 $1,599
Driving A Vehicle Without The Required Permission +$399 $1,683
Driving With An Expired/Suspended License +$865 $2,149

Bingham, UT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,233
Active Disabling Device $1,233
Tracking Device $1,207
Passive Disabling Device $1,194