Cheapest Auto Insurance in Midvale, Utah (2024)
USAA has the cheapest liability insurance in Midvale, starting at $70 per month.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
Located in the Salt Lake City metropolitan area, Midvale, Utah, has a population of around 35,000 people. The average cost of liability insurance in Midvale is $120 per month, which is higher than the Utah state average of $108 and the national average of $104.
Midvale drivers may pay higher rates on average because of the city’s high population density of around 6,000 people per square mile.[1] Drivers also face a higher risk of damage to their vehicles and other property during the winter due to high amounts of snowfall and the potential of flooding from snowmelt.
Here’s what you should know about finding cheap car insurance in Midvale, including how various incidents can affect your rates and how to compare quotes.
Quick Facts
USAA, Root, and Auto-Owners have the cheapest liability insurance in Midvale.
Midvale drivers pay $204 per month for full-coverage car insurance, on average. For comparison, the average cost of full coverage is $183 per month in Utah and $104 in the U.S.
Utah is a no-fault state, which means all drivers involved in an accident must file claims with their insurers for bodily injury, regardless of who caused the accident.[2]
3 of the cheapest car insurance companies in Midvale
Midvale drivers looking for affordable car insurance coverage have a number of options, but a few stand out with competitive pricing and unique perks for certain types of drivers. The type of coverage you settle on will depend on your unique needs and driving history.
Learn more about coverage from Auto-Owners, USAA, and State Farm below. The insurance costs below reflect statewide average quotes in Utah.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $116 | $77 | Cheap rates |
| USAA | 9.4 | $95 | $63 | Veterans |
| State Farm | 9.3 | $127 | $84 | Teen drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers cheap liability and full-coverage options and has a number of discounts — including three for teen drivers. The company provides customizable auto coverage options and also sells home, business, and life insurance.
Pros
Discount options for teen drivers
Great bundling options, including with life insurance
Offers gap insurance
Cons
Low customer review ratings on Better Business Bureau (BBB) and Trustpilot
Below-average ranking in the J.D. Power 2023 U.S. Auto Insurance Study
Poor mobile app ratings
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the premier car insurance company for military members, veterans, and their eligible family members. The company offers the lowest liability and full-coverage insurance options in Midvale. The company has a limited amount of additional auto coverage options.
Pros
Lowest liability coverage
Variety of discounts
Has a pay-as-you-drive option
Cons
Low customer review ratings on BBB and Trustpilot
Coverage only available to active, reserve, and retired military members and their families
Limited add-on coverage options
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. insurer selling personal auto insurance. Teen drivers can benefit from a number of savings opportunities, including the Drive Safe & Save and Steer Clear programs and good student, driver training, and student away at school discounts.
Pros
Can bundle coverages
AM Best financial strength rating of A++ (Superior)
Offers rideshare insurance
Cons
Doesn’t have gap insurance
Fewer discounts than some competitors
Higher rates for drivers with incidents
How to get the cheapest car insurance in Midvale
Besides working on maintaining a clean driving record, you can take certain steps to secure the best rates in Midvale. Consider the following tips:
Shop around. Review quotes from several insurers to compare rates, perks, deductibles, discounts, and more. Don’t settle for the first cheap rate you find.
Review eligible discounts. Finding the right discounts can help you reduce your overall car insurance costs. Some companies offer discounts for good drivers, teen drivers, and bundling.
Adjust your deductible. Selecting a higher deductible is one way to save on monthly car insurance premiums. Make sure you can pay the deductible if needed.
Work with an agent. Some companies have insurance agents who can help you through the insurance-buying process and answer any questions you may have.
Find Cheap Car Insurance in Midvale
Liability rates start at $70 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Midvale: USAA
To drive legally in Utah, you need a valid driver’s license and the state’s minimum required auto coverage. Liability coverage pays for the other driver’s property damage and bodily injuries you cause in an accident. In other words, it covers your liability. This type of coverage doesn’t include any payment or reimbursement for damages that you may incur.[3]
Liability insurance in Midvale costs an average of $120 per month. Here are the cheapest liability-only car insurance options in Midvale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $70 |
| Root | $85 |
| Auto-Owners | $86 |
| Sun Coast | $88 |
| State Farm | $94 |
| GEICO | $101 |
| National General | $101 |
| Progressive | $101 |
| Safeco | $108 |
| Dairyland | $116 |
| American Family | $120 |
| Allstate | $128 |
| GAINSCO | $137 |
| Nationwide | $141 |
| The General | $141 |
| Bristol West | $156 |
| Farmers | $166 |
| Liberty Mutual | $199 |
| State Auto | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Midvale: USAA
If you want more than liability-only coverage — which only covers the other driver — you can consider getting full-coverage car insurance. This coverage typically includes a combination of liability, collision, and comprehensive coverages to extend coverage to your vehicle.
This additional coverage can provide you with more financial security and protection in various situations. Your auto lender or dealership may require you to purchase a full-coverage policy if you lease or finance your vehicle.
Midvale drivers pay a monthly average of $204 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $106 |
| Root | $123 |
| Auto-Owners | $130 |
| Safeco | $140 |
| State Farm | $142 |
| Progressive | $151 |
| GEICO | $152 |
| Sun Coast | $153 |
| National General | $170 |
| American Family | $180 |
| Allstate | $193 |
| Nationwide | $212 |
| The General | $223 |
| Liberty Mutual | $239 |
| Farmers | $250 |
| Dairyland | $251 |
| GAINSCO | $287 |
| Bristol West | $288 |
| State Auto | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Midvale, Utah
Recent Midvale, Utah car insurance prices for Hyundai, Nissan, Honda , and more.
*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Midvale, Utah within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Utah
To comply with state law, Midvale drivers must carry a minimum of bodily injury liability, property damage liability, and personal injury protection (PIP) coverage. Utah is a no-fault state, which means that each party has no-fault coverage following an accident, regardless of fault. PIP insurance covers medical expenses for you and your passengers.
You can find the current minimum car insurance requirements below, but the liability limits will increase starting on Jan. 1, 2025.[4] You should keep this in mind when purchasing coverage in the coming years.
Coverage ▲▼ | Current Minimum Requirements ▲▼ | Minimum Requirements After Jan. 1, 2025 ▲▼ |
|---|---|---|
| Bodily injury liability | $25,000 per person / $65,000 per accident | $30,000 per person / $65,000 per accident |
| Property damage liability | $15,000 per accident | $25,000 per accident |
| Personal injury protection | $3,000 per accident | $3,000 per accident |
You may want to secure coverage beyond the minimum limits for protection in many different situations. Here are some common optional coverage types to consider:
Collision coverage
If you hit another car or an object, collision insurance can help pay for your vehicle damages.
Comprehensive coverage
For damage caused by non-collision incidents, comprehensive coverage can fill the gaps. The policy can cover damage from vandalism, severe weather, falling objects, and more.[5]
Uninsured/underinsured motorist coverage
Unfortunately, some drivers don’t comply with the state’s car insurance laws. Uninsured/underinsured motorist coverage can help if you get into an accident with an uninsured or underinsured driver.
Cheapest car insurance for drivers with an incident
Your driving record is one of the top factors insurance companies consider when determining your premium. Drivers with a clean record typically pay the lowest rates, but accidents happen. You might have an incident on your record that increases your risk profile and leads to higher insurance costs.
How much your rates increase depends on the type, severity, and frequency of incidents on your record. For example, speeding tickets tend to result in less significant cost increases than at-fault accidents. And a driving under the influence conviction typically increases premiums by a lot — due to the severity of the offense.[6]
In Midvale, drivers with a past incident pay $149 per month for liability coverage and $253 for full-coverage insurance.
Find Car Insurance in Midvale After an Incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
If you get a speeding ticket in Midvale, you have to pay a fine based on the speed recorded and how much it exceeded the posted limit. The lowest fine is $160 for going up to 10 miles per hour over the limit. The highest fee is $380 for exceeding the speed limit by 26 to 30 miles per hour. Midvale drivers going more than 31 miles per hour over the limit need to go to court.[7]
Your car insurance premium will also likely increase, though a single speeding ticket shouldn’t have a significant effect on your costs. The average cost of liability coverage for Midvale drivers with a past speeding ticket is $168 per month.
Here are the cheapest car insurance quotes for Midvale drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $70 | $91 |
| Root | $85 | $118 |
| Auto-Owners | $86 | $113 |
| Sun Coast | $88 | $123 |
| State Farm | $94 | $121 |
| GEICO | $101 | $131 |
| National General | $101 | $132 |
| Progressive | $101 | $130 |
| Safeco | $108 | $142 |
| Dairyland | $116 | $150 |
| American Family | $120 | $156 |
| Allstate | $128 | $166 |
| GAINSCO | $137 | $191 |
| Nationwide | $141 | $185 |
| The General | $141 | $186 |
| Bristol West | $156 | $204 |
| Farmers | $166 | $214 |
| Liberty Mutual | $199 | $278 |
| State Auto | $219 | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
A car accident can seriously affect your future car insurance premiums. If you cause a car accident, your car insurance company may view you as a high-risk driver and increase your rates accordingly.
On average, Midvale drivers with a past accident pay $166 per month for liability insurance. Here are the cheapest liability car insurance options for Midvale drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $70 | $93 |
| Root | $85 | $121 |
| Auto-Owners | $86 | $115 |
| Sun Coast | $88 | $122 |
| State Farm | $94 | $124 |
| GEICO | $101 | $134 |
| National General | $101 | $134 |
| Progressive | $101 | $135 |
| Safeco | $108 | $142 |
| Dairyland | $116 | $153 |
| American Family | $120 | $160 |
| Allstate | $128 | $170 |
| GAINSCO | $137 | $174 |
| Nationwide | $141 | $189 |
| The General | $141 | $191 |
| Bristol West | $156 | $207 |
| Farmers | $166 | $220 |
| Liberty Mutual | $199 | $282 |
| State Auto | $219 | $316 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Getting a DUI in Utah can lead to costly expenses and the suspension of your driver’s license for a time. The severity of the consequences in Utah depends on whether you’ve had one or multiple DUI offenses.[8]
Your car insurance premiums will increase significantly after a DUI. To find lower rates after a DUI in Utah, you may need to shop around and compare your options. The average cost of liability coverage for Midvale drivers with a past DUI is $190 per month. Start your search with some of the cheapest liability insurance options in Midvale below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $70 | $113 |
| Root | $85 | $123 |
| Auto-Owners | $86 | $139 |
| Sun Coast | $88 | $139 |
| State Farm | $94 | $152 |
| GEICO | $101 | $163 |
| National General | $101 | $163 |
| Progressive | $101 | $163 |
| Safeco | $108 | $162 |
| Dairyland | $116 | $187 |
| American Family | $120 | $194 |
| Allstate | $128 | $207 |
| GAINSCO | $137 | $221 |
| Nationwide | $141 | $228 |
| The General | $141 | $228 |
| Bristol West | $156 | $252 |
| Farmers | $166 | $268 |
| Liberty Mutual | $199 | $321 |
| State Auto | $219 | $354 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age is another factor that can influence your car insurance rates. Car insurance premiums tend to decrease steadily for drivers between the ages of 35 and 70. As drivers gain more experience and have a lengthy driving history, rates decrease. Residents age 65 and older make up 8.6% of the population in Midvale, according to U.S. Census data.[1]
Senior drivers typically earn some of the cheapest rates by driver age, but rates start to increase again around age 70. Though senior drivers have a lot of driving experience, auto insurers may start to account for potential risk factors related to aging, including challenges with vision or coordination.[9]
On average, the cost of coverage for Midvale senior drivers is $96 per month for liability and $163 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $55 | $83 |
| Auto-Owners | $67 | $101 |
| Root | $70 | $102 |
| Sun Coast | $70 | $122 |
| Progressive | $72 | $107 |
| State Farm | $72 | $108 |
| National General | $76 | $128 |
| GEICO | $79 | $119 |
| Safeco | $91 | $118 |
| Dairyland | $91 | $197 |
| American Family | $92 | $139 |
| Allstate | $101 | $152 |
| Nationwide | $103 | $155 |
| The General | $112 | $178 |
| GAINSCO | $113 | $236 |
| Bristol West | $123 | $227 |
| Farmers | $127 | $192 |
| State Auto | $161 | $241 |
| Liberty Mutual | $164 | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers often pay the highest rates among all drivers because they lack driving experience. Data shows that this age group tends to engage in risky driving behaviors that lead to more fatal accidents.[10]
To earn lower rates as a teen driver, you should look for insurance companies that offer discounts geared toward young drivers, such as a good student discount, and join your parents’ existing car insurance policy.
On average, teen drivers in the city pay $208 per month for liability insurance and $353 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $118 | $179 |
| Root | $128 | $185 |
| Auto-Owners | $146 | $220 |
| Sun Coast | $152 | $265 |
| GEICO | $163 | $245 |
| State Farm | $163 | $246 |
| Progressive | $179 | $267 |
| Dairyland | $189 | $408 |
| National General | $201 | $338 |
| American Family | $209 | $314 |
| Safeco | $210 | $272 |
| The General | $226 | $357 |
| Allstate | $230 | $347 |
| GAINSCO | $239 | $500 |
| Nationwide | $249 | $374 |
| Bristol West | $265 | $490 |
| Farmers | $293 | $441 |
| Liberty Mutual | $345 | $414 |
| State Auto | $393 | $588 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Midvale car insurance quotes by credit tier
Midvale car insurance rates vary based on many factors, including your credit history. Insurance companies in the state can review your credit-based insurance score to assess the level of risk you pose. If you have a poor credit history, you’ll likely pay higher rates than drivers with good or excellent credit.
Though insurers in Utah can consider your credit history, the state limits how companies can use it. For example, your insurer can’t cancel an existing auto policy due to your credit score if you’ve been a customer for 60 days. And credit can’t be the sole factor used for assessing risk.[11]
Here are the average full-coverage insurance quotes by credit tier in Midvale.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Midvale?
At $120 per month for liability and $204 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $108 per month for liability and $183 for full-coverage insurance, on average. The national average cost of car insurance is $104 per month for liability and $204 for full coverage.
Midvale drivers may face more expensive rates because the city has a relatively high population density, and during winter months, drivers face an added risk of property damage from snowfall and snowmelt.
More cities in Utah
Because car insurance rates vary by a ZIP code’s population density, crime rates, and more, Utah drivers pay different average rates depending on what city they live in. Compare average quotes in different Utah cities below.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Ogden | $104 | $170 |
| Orem | $117 | $186 |
| Provo | $118 | $207 |
| Salt Lake City | $117 | $188 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Midvale car insurance FAQs
Before shopping around for car insurance, you should decide how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Midvale, Utah.
How much is car insurance in Midvale, Utah?
Midvale drivers pay $120 per month for liability car insurance and $204 for full-coverage insurance. Your specific car insurance premium depends on your driving record, vehicle type, chosen coverage, and more.
What companies in Midvale have the cheapest auto insurance?
USAA offers the cheapest liability insurance in Midvale, with a rate of $70 per month. Root and Auto-Owners also have affordable minimum coverage, with respective liability rates of $85 and $86 per month. The best way to find cheap coverage is to compare quotes from multiple insurance companies at once.
What are the best car insurance companies in Midvale?
With a high Insurify Quality (IQ) Score of 9.3 out of 10 and an A++ (Superior) AM Best financial strength rating, State Farm is one of the best insurance companies in Midvale. On average, Utah drivers with coverage from State Farm pay $84 per month for liability coverage and $127 for full coverage. Other top insurers include Auto-Owners, Travelers, and USAA.
How much car insurance is required in Utah?
Utah drivers must carry a minimum amount of car insurance, including $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, and $3,000 per accident in personal injury protection (PIP) coverage.
Is Utah a no-fault state?
Yes. Utah is a no-fault state. This means that each driver involved in an accident must file a claim with their own auto insurer to cover their own injuries, regardless of who caused the accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Utah
Sources
- United States Census Bureau. "QuickFacts Midvale city, Utah."
- NOLO. "Guide to Utah Car Accident Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Midvale City Hall. "Traffic Citations & Plea in Abeyance Traffic School."
- Utah Department of Public Safety. "DUI Suspension Times."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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