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

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

Zimlon, through its research, found that car owners in Ogden, 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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Savings of Up to $730 on Multi-Car Insurance in Ogden, UT

According to the U.S. Census Bureau, Ogden, UT, has a population of 87,325. The median household income here is $46,807, and the per capita income is $23,019. The average cost of auto insurance in Ogden, according to Zimlon, is $1,217. This is almost on par with the average cost of auto insurance in neighboring places such as Harrisville, West Haven, Riverdale, and Roy. Insurers companies offer various discounts to car owners to help reduce the cost of auto insurance here.

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go 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.  

For example, post-DUI, the cost of auto insurance in Ogden, can mount up to $1,851 from $1,217. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $820, while the latter leads to an increase of $298 in Ogden.

Multi-Car Insurance:

Car insurance companies also provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. Savings on multi-car insurance can range between $365 and $730. The cost of insuring two vehicles under a multi-car insurance policy in Ogden is $2,069. This helps in saving up to $365. The cost of insuring four vehicles under this policy is $4,138, saving up to $730.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across Utah offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps in saving the most on auto insurance in Ogden, at $85. Other devices that can help improve savings are tracking devices and active disabling devices.

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

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

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

Ogden Harrisville South Ogden West Haven Riverdale Roy
Average Insurance Rates $1,217 $1,221 $1,217 $1,267 $1,219 $1,190

Ogden, 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 Ogden, 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)
Ogden $1,082 $914
West Haven $1,879 $1,587
Riverdale $2,914 $2,461
Marriott-Slaterville $1,197 $1,011
Roy $2,019 $1,705
Washington Terrace $1,465 $1,237
South Ogden $1,086 $917
Harrisville $1,560 $1,318

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

Teenagers in Ogden, 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 $3,949
20 Years $1,564
30 Years $1,204
40 Years $1,159
50 Years $1,073
60 Years $1,088
70 Years $1,267

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

Car owners in Ogden, 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 $2,069 $365
3 Vehicles $3,103 $548
4 Vehicles $4,138 $730

Savings on 2 Vehicles bundle:$365

Savings on 3 Vehicles bundle:$548

Savings on 4 Vehicles bundle:$730

Ogden, 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 Ogden, UT.

Location Average Insurance Cost Post DUI Insurance Rate
Ogden $1,217 $1,851
West Haven $1,267 $1,927
Riverdale $1,219 $1,854
Marriott-Slaterville $1,390 $2,114
Roy $1,190 $1,810
Washington Terrace $2,115 $3,217
South Ogden $1,217 $1,851
Harrisville $1,221 $1,857

Ogden, 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) $1,044
Excellent (740-799) $1,192
Good (670-739) $1,268
Average (580-669) $1,654
Poor (300-579) $1,985

Ogden, 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
Blake G. Hancock Allstate 1920 W 250 N Ste 12, Marriott-Slaterville City, 84404 (801) 392-8633
Heather Mooney State Farm 6088 S Highland Dr, Holladay, 84121-1364 801-417-9445
The Buckner Company Travelers 6550 S MILLROCK DR STE 300, SALT LAKE CITY, 84121 801-866-0866
Cottonwood Insurance Inc Travelers 2028 E FORT UNION BLVD STE 100, SALT LAKE CITY, 84121 801-943-5700
Olympus Insurance Agency Travelers 220 E MORRIS AVE STE 340, SALT LAKE CITY, 84165 801-486-1373
Justin Zlotnick State Farm 1466 N Highway 89 Ste 240, Farmington, 84025-2738 801-451-2997
John Jeffers Allstate 2664 W 9000 S, West Jordan, 84088 (801) 999-4846
David Perkins Farmers 2055 E 3900 S Ste 200, Salt Lake City, 84124 (801) 278-0061
Carlos Cabarcas State Farm 4922 W 6200 S, Salt Lake Cty, 84118-6703 801-982-9000
Brad Braner Liberty Mutual 764 E. Winchester Street Ste 100, Salt Lake City, 84107 1-801-685-0515

Ogden, 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 +$54 $1,271
Driver's Failure In Showing Documents +$118 $1,335
Driving With An Expired Registration +$125 $1,342
Driving At A Considerably Slow Pace +$264 $1,481
Using A Cellphone While Driving +$279 $1,496
Running A Red Light +$284 $1,501
Speeding +$298 $1,515
Driving A Vehicle Without The Required Permission +$378 $1,595
Driving With An Expired/Suspended License +$820 $2,037

Ogden, 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 $1,168
Active Disabling Device $1,168
Tracking Device $1,144
Passive Disabling Device $1,132

Latest Auto Insurance Reviews in Ogden, UT | Back to Top

State Farm
I would recommend this company. As I stated, both my car and home insurance are linked to this company so I deal with them a lot. Their prices are fair and I have had no complaints.
The premium and deductible for my policy were among the highest amounts I saw while browsing, however the policy was the most comprehensive.
Farmer's Insurance
i Highly recommend this insurance company. They have been great in everything! Price, customer service, etc. Its been a wonderful experience with these guys/
We are getting rid of All State the mom and getting ant assistance or help when needed, but so unfortunately we are not able. They have horrible service
Farm Bureau
Right now our car insurance is at state minimum, however I would like additional coverage it is just to expensive at this point.
Farm Bureau
Right now our car insurance is at state minimum, however I would like additional coverage it is just to expensive at this point.
State Farm
The policy offerings for my company are comparable to other insurance providers across the board. The policies are not unique to my provider.
American Family Insurance
I like how my insurance company has an office in my area, however I don't like the workers very well because they are stuck up on themselves.
I have had them for almost 30 years and I like them because they have never raised my rate because of an accident. Their customer service is very accessible, and they are reasonably priced. They always pay claims without a fuss.
The General Auto Insurance
Progressive is cheaper than all the other auto policies, and offers discounts not avaliable through other companies like their Snapshot device. I enjoyed working with them.
Bear River Auto Insurance
I have been using Bear River Auto Insurance for years. I also bundle with Home. Anytime that I have compared prices they continue to have the best rates.
Erie Insurance
I bought insurance through an insurance broker, so there is a local agent that I contact about my policy. The local agent is very close and easily accessible. There is also a website for questions and a customer support phone number to contact.
Erie Insurance
I dislike that the company does not offer more of a discount when bundling program. It is usually something that is given to users but since they already offer low premiums they do not offer large discounts.
State Farm
We previously had Allstate and my spouse had an accident where he lost control of our vehicle on wet leaves that were in the road and our policy was canceled due to the cost of damage to our vehicles and others. We have filed claims with State Farm and have never had an issue with a claim being paid or us being canceled.