Logan, UT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Logan, 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.
How Can I Lower My Car Insurance in Logan, UT?
The average cost of auto insurance in Logan, UT, is $1,132. This is lower than in most neighboring places such as Hyde Park, River Heights, Providence, North Logan, and Benson. Residents of Logan should compare multiple auto insurance quotes and reviews before deciding what best suits their needs. Here are some ways to increase savings in Logan.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Logan on a deductible of $500 is $1,352. It decreases to $1,142 when the deductible is higher ($1,000).
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Logan, UT, post-DUI, increases to $1,722. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Logan. Other violations that can have a long-term impact on auto insurance in Logan include driving with an expired license and running a red light.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Providing your vehicle with a passive disabling device will fetch the most amount of savings.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Multi-Car Insurance:
Car owners in Logan, UT, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Logan, UT, is $1,924, while it would cost $3,849 for four vehicles. The savings on multi-car insurance in Logan also depends on the make and model of the car.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Logan, UT. The cost of auto insurance can be low if the driver’s credit score is “exceptional”.
Factors that can influence the cost of car insurance in Logan, 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.
- Logan, UT Auto Insurance Rates
- Logan, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Logan, UT
- Multi Vehicle Insurance Savings in Logan, UT
- How Credit Score Affects Car Insurance Rates in Logan, UT
- How DUI Affects Auto Insurance Premiums in Logan, UT
- Top Auto Insurance Agents Near Logan, UT
- How Driving Violations Affect Auto Insurance Rates in Logan, UT
- Logan, UT Auto Insurance Discounts on Anti Theft Feature
- Logan, UT Auto Insurance Company Reviews
Logan, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Logan, UT with that of other cities in and around Logan.
| Logan | Hyde Park | River Heights | Providence | North Logan | Benson | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,132 | $1,622 | $1,607 | $1,258 | $1,382 | $1,582 |
Logan, 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 Logan, 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) |
|---|---|---|
| Logan | $1,352 | $1,142 |
| River Heights | $1,655 | $1,398 |
| Providence | $1,635 | $1,381 |
| Benson | $1,344 | $1,135 |
| North Logan | $1,347 | $1,138 |
| Millville | $1,124 | $949 |
| Nibley | $1,617 | $1,366 |
| Hyde Park | $1,553 | $1,312 |
Logan, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Logan, 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 | $3,673 |
| 20 Years | $1,454 |
| 30 Years | $1,120 |
| 40 Years | $1,078 |
| 50 Years | $998 |
| 60 Years | $1,012 |
| 70 Years | $1,178 |
Logan, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Logan, 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 | $1,924 | $340 |
| 3 Vehicles | $2,887 | $509 |
| 4 Vehicles | $3,849 | $679 |
Savings on 2 Vehicles bundle:$340
Savings on 3 Vehicles bundle:$509
Savings on 4 Vehicles bundle:$679
Logan, 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 Logan, UT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Logan | $1,132 | $1,722 |
| River Heights | $1,607 | $2,444 |
| Providence | $1,258 | $1,913 |
| Benson | $1,582 | $2,406 |
| North Logan | $1,382 | $2,102 |
| Millville | $1,591 | $2,420 |
| Nibley | $1,605 | $2,441 |
| Hyde Park | $1,622 | $2,467 |
Logan, 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) | $971 |
| Excellent (740-799) | $1,109 |
| Good (670-739) | $1,180 |
| Average (580-669) | $1,539 |
| Poor (300-579) | $1,846 |
Logan, 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 |
|---|---|---|---|
| Trent Loveland | Allstate | 10 S Main St, Brigham City, 84302 | (435) 734-2887 |
| Kaleb Kunz | State Farm | 135 S Main St Ste 300, Logan, 84321-5284 | 435-752-7556 |
| Advance Insurance | Travelers | 399 N MAIN ST STE 140, LOGAN, 84321 | 435-294-2944 |
| Krystal Neumayer | Allstate | 1140 W Riverdale Rd Ste H, Ogden, 84405 | (801) 335-9164 |
| Neil Maxwell | Farmers | 298 E 300 N, Morgan, 84050 | (801) 829-6303 |
| Robert Miller | Allstate | 1 N Main St, Kaysville, 84037 | (801) 544-7922 |
| David Stock | State Farm | 545 W 465 N Ste 140, Providence, 84332-8005 | 435-535-3459 |
| Kimberly Stephens | State Farm | 1798 W 5150 S Ste 102, Roy, 84067-3062 | 801-825-7169 |
| A Insurance Agencies Inc | Travelers | 1867 West 1700 South, Syracuse, 84075 | None |
| Blackburn Jones Company | Travelers | 905 24TH ST, OGDEN, 84401 | 801-392-7516 |
| Keyes Casualty | Travelers | 5075 SOUTH 1500 WEST, RIVERDALE, 84405 | 801-394-2600 |
Logan, 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 | +$50 | $1,182 |
| Driver's Failure In Showing Documents | +$110 | $1,242 |
| Driving With An Expired Registration | +$117 | $1,249 |
| Driving At A Considerably Slow Pace | +$246 | $1,378 |
| Using A Cellphone While Driving | +$259 | $1,391 |
| Running A Red Light | +$264 | $1,396 |
| Speeding | +$277 | $1,409 |
| Driving A Vehicle Without The Required Permission | +$352 | $1,484 |
| Driving With An Expired/Suspended License | +$763 | $1,895 |
Logan, 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 | $1,087 |
| Active Disabling Device | $1,087 |
| Tracking Device | $1,064 |
| Passive Disabling Device | $1,053 |
Latest Auto Insurance Reviews in Logan, UT | Back to Top
TravelersThe premium on the car policy is the best for the area. For some reason our old insurance company (Erie) was almost twice the amount travelers is charging. Not sure why but I'll take it
ProgressiveI would recommend this insurance to anyone. Very good service, great customer service, and always there to assist you. Never had a bad experience with them
AllstateMy car insurance company offers full coverage on all of the vehicles within my household and they offer to bundle so that we save the most money and have the lowest rate that we can get!
State FarmState Farm helps protect the people and property that matter most with auto insurance, checking and savings accounts, loans, and more.
Erie InsuranceI would absolutely recommend my insurance company to others who are looking to obtain car insurance. We have received appropriate premiums/deductibles as well as superb customer service.
AllstateI like being able to email or call my agent in my insurance company as well as being able to go to the office during the day. There is good customer interaction and support even with accidents I've had in the past.
American National Property And Casualty CompanyThey are a company that have different ways of doing things which I had to accept because I thought they were giving me the best prices on my auto and home insurance as a package, but dislike the withdrawing auto insurance out on a date I did not set.
Bear River Auto InsuranceThe size can be a factor. Some of the larger companies have deals with different repair facilities. This seems to get processes claimed quickly.
Liberty MutualI had to file homeowners claim and there was a miscommunication so it took several weeks for the claim to get settled otherwise I think it would have been much quicker. This was my very first claim that I ever filed with anyone so I wasn't sure how it was supposed to be.