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.
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 Rates
- Ogden, UT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ogden, UT
- Multi Vehicle Insurance Savings in Ogden, UT
- How Credit Score Affects Car Insurance Rates in Ogden, UT
- How DUI Affects Auto Insurance Premiums in Ogden, UT
- Top Auto Insurance Agents Near Ogden, UT
- How Driving Violations Affect Auto Insurance Rates in Ogden, UT
- Ogden, UT Auto Insurance Discounts on Anti Theft Feature
- Ogden, UT Auto Insurance Company Reviews
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 FarmI 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.
ProgressiveThe premium and deductible for my policy were among the highest amounts I saw while browsing, however the policy was the most comprehensive.
Farmer's Insurancei Highly recommend this insurance company. They have been great in everything! Price, customer service, etc. Its been a wonderful experience with these guys/
AllstateWe 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 BureauRight now our car insurance is at state minimum, however I would like additional coverage it is just to expensive at this point.
Farm BureauRight now our car insurance is at state minimum, however I would like additional coverage it is just to expensive at this point.
State FarmThe policy offerings for my company are comparable to other insurance providers across the board. The policies are not unique to my provider.
American Family InsuranceI 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.
AllstateI 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 InsuranceProgressive 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 InsuranceI 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 InsuranceI 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 InsuranceI 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 FarmWe 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.