Midvale, UT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Midvale, 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.
Component that Can Change Auto Insurance Rates in Midvale, UT
The car owner relishes the state of comfort and opulence that comes with it, but with that comes great responsibility. Many drivers do not know this, but possession of auto insurance is mandated in a few states. The inability to provide minimum liability coverage or insurance can put you in deep trouble. Therefore, it is necessary to obtain sufficient knowledge as purchasing a policy can be daunting.
In a city like Midvale, UT, the average car insurance rate is $1,239, which is lower than a few neighboring cities. For instance, there is a difference of $49 and $360 compared to Sandy and White City. So, auto owners in Midvale, UT, must take an informed decision before proceeding ahead.
Each auto owner ends up paying a different amount on their Midvale insurance as the cost of car insurance may vary from state to state and insurer to insurer. Here are a few elements responsible for the change in the cost of auto insurance in Midvale, UT.
a. Auto owner's age
The car owner's age plays a significant role while understanding the cost of auto owners insurance. When you compare the rates of insurance charged to teenagers and middle-aged drivers, you will witness a huge difference. In the case of Midvale insurance, teen drivers spend $4,020 on auto insurance, whereas 30 and 40 years drivers pay $1,226 and $1,180, respectively.
The main reason behind this is that teenagers are considered more reckless and less responsible behind the wheel. Therefore, insurance companies charge more premiums to mitigate the risk.
Here is a complete chart of the premium charged based on the age of the driver.
b. Auto owner's driving history
The car owner's driving history helps insurance providers decide the cost of motorcar insurance. The more you drive, the more likely you are to have an accident. Insurance providers analyze your driving pattern, your car use, i.e., used for commuting locally or traveling outskirts, and DUI reports to decide on the cost of car insurance.
In Midvale, UT, auto owners with a Driving under the Influence (DUI) history pay a higher premium as insurance costs go up post-DUI. In Midvale, post-DUI, auto owners pay $1,884.
c. Auto owner's gender
Gender of the driver matters when deciding the cost of auto insurance. Car insurance rates in Midvale are generally higher for male drivers than female drivers. This is because men drive more miles than women and engage in more risky driving. Here, female drivers can take advantage of this situation to lower their Midvale insurance premiums.
Factors that can influence the cost of car insurance in Midvale, 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.
- Midvale, UT Auto Insurance Rates
- Midvale, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Midvale, UT
- Multi Vehicle Insurance Savings in Midvale, UT
- How Credit Score Affects Car Insurance Rates in Midvale, UT
- How DUI Affects Auto Insurance Premiums in Midvale, UT
- Top Auto Insurance Agents Near Midvale, UT
- How Driving Violations Affect Auto Insurance Rates in Midvale, UT
- Midvale, UT Auto Insurance Discounts on Anti Theft Feature
Midvale, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Midvale, UT with that of other cities in and around Midvale.
| Midvale | White City | Sandy | Salt Lake County | Salt Lake City | Murray | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,239 | $1,599 | $1,288 | $1,263 | $1,387 | $1,255 |
Midvale, 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 Midvale, 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) |
|---|---|---|
| Midvale | $1,365 | $1,153 |
| Murray | $2,120 | $1,790 |
| White City | $1,130 | $954 |
| Salt Lake City | $1,410 | $1,191 |
| Sandy | $1,541 | $1,302 |
| Salt Lake County | $983 | $830 |
| Cottonwood Heights | $1,142 | $965 |
| Taylorsville | $1,159 | $979 |
Midvale, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Midvale, 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 | $4,020 |
| 20 Years | $1,592 |
| 30 Years | $1,226 |
| 40 Years | $1,180 |
| 50 Years | $1,093 |
| 60 Years | $1,108 |
| 70 Years | $1,289 |
Midvale, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Midvale, 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 | $2,181 | $297 |
| 3 Vehicles | $3,271 | $446 |
| 4 Vehicles | $4,361 | $595 |
Savings on 2 Vehicles bundle:$297
Savings on 3 Vehicles bundle:$446
Savings on 4 Vehicles bundle:$595
Midvale, 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 Midvale, UT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Midvale | $1,239 | $1,884 |
| Murray | $1,255 | $1,909 |
| White City | $1,599 | $2,432 |
| Salt Lake City | $1,387 | $2,109 |
| Sandy | $1,288 | $1,959 |
| Salt Lake County | $1,263 | $1,921 |
| Cottonwood Heights | $1,309 | $1,991 |
| Taylorsville | $1,234 | $1,877 |
Midvale, 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) | $1,063 |
| Excellent (740-799) | $1,213 |
| Good (670-739) | $1,291 |
| Average (580-669) | $1,684 |
| Poor (300-579) | $2,021 |
Midvale, 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 |
|---|---|---|---|
| Phillip Britt | State Farm | 457 W 4800 S, Murray, 84123-4663 | 801-747-5477 |
| Hatch Insurance Group | Travelers | 668 E 12225 S STE 204, DRAPER, 84020 | 801-901-2184 |
| Lisa Marie Eshleman | Allstate | 1635 E 3300 S, Salt Lake City, 84106 | (801) 466-2556 |
| Scott Stewart | Farmers | 177 E Fort Union Blvd, Midvale, 84047 | (801) 563-3300 |
| Ken Garff Insurance Agency | Allstate | 4175 W 3500 S, West Valley City, 84120 | (801) 903-6090 |
| Rechtenbach Ins Group Llc | Travelers | 1615 GAYLAWOOD CIR, TAYLORSVILLE, 84123 | 801-971-6726 |
| Ross Brunson | State Farm | 123 W 5300 S, Murray, 84107-5847 | 801-262-9000 |
| Cy Schmidt | State Farm | 2091 E 4800 S Ste 14, Salt Lake Cty, 84117-5174 | 801-277-6809 |
| George Rocchi Lutcf | Farmers | 6589 S 1300 E Ste 100, Murray, 84121 | (801) 619-5160 |
| [ | ' | K, e, n | e |
| Infiniteam Insurance Inc | Travelers | 39 West 9000 South, Sandy, 84070 | (801) 692-0621 |
Midvale, 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 | +$55 | $1,294 |
| Driver's Failure In Showing Documents | +$120 | $1,359 |
| Driving With An Expired Registration | +$128 | $1,367 |
| Driving At A Considerably Slow Pace | +$269 | $1,508 |
| Using A Cellphone While Driving | +$284 | $1,523 |
| Running A Red Light | +$289 | $1,528 |
| Speeding | +$304 | $1,543 |
| Driving A Vehicle Without The Required Permission | +$385 | $1,624 |
| Driving With An Expired/Suspended License | +$835 | $2,074 |
Midvale, 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 | $1,189 |
| Active Disabling Device | $1,189 |
| Tracking Device | $1,165 |
| Passive Disabling Device | $1,152 |