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

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

Zimlon, through its research, found that car owners in Oakley, 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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Affordable Car Insurance Rates in Oakley, UT

The average cost of car insurance in Oakley, UT, is $1,279. According to the requirements laid by Utah state, all drivers have to carry a minimum level of auto insurance in Oakley. If you fail to carry the appropriate insurance policy, you may be at risk of incurring stiff penalties and fines as a result. As such, all drivers in Oakley must compare and analyze their options before signing up for an insurance plan. This article will give you some major insights that will lead to cheap auto insurance in Oakley, UT. 

a. Choose a high deductible

There are a lot of variables to consider when choosing insurance coverage that fits your needs. The first factor to consider is the deductible amount. A deductible is an amount the policyholder pays before their insurance provider kicks in. Higher deductibles lead to lower car insurance rates, but only choose this option if you're capable of paying the deductible out of your pocket. 

For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,188, whereas car owners who opted for a deductible of 500 pay $1,406. 

b. Maintain a high credit score

Do you know that your good credit can save you money on your car insurance in Oakley, UT? According to Zimlon's research, people who have maintained a stable credit score can cut their insurance costs. Paying your bills on time, not borrowing more than you need, and keeping debts under control are some ways to keep your credit score high. Check your credit report annually and make sure it is accurate so that you continue to get the best car insurance rates in Oakley, UT. For instance, car owners with exceptional credit scores have to pay $1,097, whereas car owners with poor credit scores have to pay $2,086.


c. Avoid Driving under the influence (DUI)

Insurance companies monitor your driving patterns, including your driving history. Therefore, avoid breaking the driving rules as it can get you substantial discounts on auto insurance rates in Oakley, UT. For instance, the average cost of auto insurance in Oakley, UT, is $1,279. Car owners with a history of Driving under the influence (DUI) pay a premium of $1,945 post-DUI. Therefore, the cost of insurance increases post-DUI.

Factors that can influence the cost of car insurance in Oakley, 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.

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

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

Oakley Francis Peoa Marion Woodland Wanship
Average Insurance Rates $1,279 $1,293 $1,305 $2,115 $1,495 $1,274

Oakley, 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 Oakley, 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)
Oakley $1,406 $1,188
Marion $1,843 $1,556
Peoa $1,444 $1,220
Samak $2,325 $1,964
Francis $1,595 $1,348
Hideout $2,046 $1,728
Woodland $1,962 $1,657
Wanship $1,450 $1,225

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

Teenagers in Oakley, 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 $4,150
20 Years $1,643
30 Years $1,266
40 Years $1,218
50 Years $1,128
60 Years $1,143
70 Years $1,331

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

Car owners in Oakley, 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 $2,251 $307
3 Vehicles $3,377 $460
4 Vehicles $4,502 $614

Savings on 2 Vehicles bundle:$307

Savings on 3 Vehicles bundle:$460

Savings on 4 Vehicles bundle:$614

Oakley, 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 Oakley, UT.

Location Average Insurance Cost Post DUI Insurance Rate
Oakley $1,279 $1,945
Marion $2,115 $3,217
Peoa $1,305 $1,985
Samak $1,623 $2,468
Francis $1,293 $1,966
Hideout $1,465 $2,228
Woodland $1,495 $2,274
Wanship $1,274 $1,938

Oakley, 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) $1,097
Excellent (740-799) $1,253
Good (670-739) $1,333
Average (580-669) $1,739
Poor (300-579) $2,086

Oakley, 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
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Bryan Daybell State Farm 1960 Sidewinder Dr Ste 105, Park City, 84060-7361 435-649-9161
Garve Walker Allstate 6531 N Landmark Dr Ste B, Park City, 84098 (435) 214-4789
Craig Cooper Allstate 505 Main St, Park City, 84060 (435) 647-9898
Justin Englebright Cpcu, Clu, Chfc State Farm 1887 Gold Dust Lane Suite 102, Park City, 84060-7290 435-649-3332
Troy Martinez State Farm 7044 S State St, Midvale, 84047-1556 801-432-2090
Leavitt Grp. Heber Allstate 190 N Main PO Box 129, Heber City, 84032 (435) 654-0572
Paul Dubbs State Farm 1270 E 8600 S Suite 8, Sandy, 84094-1298 801-566-5111
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Oakley, 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 $1,335
Driver's Failure In Showing Documents +$124 $1,403
Driving With An Expired Registration +$132 $1,411
Driving At A Considerably Slow Pace +$278 $1,557
Using A Cellphone While Driving +$293 $1,572
Running A Red Light +$298 $1,577
Speeding +$313 $1,592
Driving A Vehicle Without The Required Permission +$398 $1,677
Driving With An Expired/Suspended License +$862 $2,141

Oakley, 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 $1,228
Active Disabling Device $1,228
Tracking Device $1,202
Passive Disabling Device $1,189