Cheapest Car Insurance Quotes in Alpine

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Alpine Car Insurance

^$ 38

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alpine

The car insurance rate in Alpine is $1085 for a six-month policy, which is $133 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Alpine can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alpine

$1085

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Alpine

1st place: Farmers Union Insurance

At $488 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $521 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $670 for six months, making it the third cheapest auto insurance company in Alpine.

Alpine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alpine, UT is Farmers Union Insurance, offering policies at just $488 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $521.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2228 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alpine drivers find the best deals.

Cheap Car Insurance Companies in Alpine, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$488	$83
Auto-Owners Insurance Co	$521	$87
Nationwide	$670	$113
USAA	$732	$123
Progressive	$826	$139
American Family	$853	$144
Auto-Owners	$1023	$172
Farm Bureau	$1138	$189
Allstate	$1550	$261
State Farm	$1916	$323
Farmers	$2228	$378

Key Takeaways

Way's key takeaways about car insurance in Alpine

The auto insurance costs in Alpine fall around $488 for six months.
The cheapest auto insurance company in Alpine is Farmers Union Insurance.
Teen drivers pay the highest rate in Alpine at $1420 per month.

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Cheapest Minimum Liability Car Insurance in Alpine

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alpine are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Alpine. Their Average 6 Month Premium is $223. Farmers is the most expensive at $1124 for the same period.

Cheapest Liability Coverage in Alpine, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$223	$38
USAA	$264	$44
Auto-Owners Insurance Co	$291	$49
Nationwide	$318	$54
Progressive	$373	$63
Auto-Owners	$413	$70
Farm Bureau	$461	$76
American Family	$481	$81
Allstate	$744	$125
State Farm	$880	$148
Farmers	$1124	$187

Cheapest Full Coverage Car Insurance in Alpine

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alpine is Farmers Union Insurance at $83 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alpine, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$488	$83
Auto-Owners Insurance Co	$521	$87
Nationwide	$670	$113
USAA	$732	$123
Progressive	$826	$139
American Family	$853	$144
Auto-Owners	$1023	$172
Farm Bureau	$1138	$189
Allstate	$1550	$261
State Farm	$1916	$323
Farmers	$2228	$378

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Average Car Insurance in Alpine by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alpine, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Alpine, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alpine's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alpine

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Alpine,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Alpine at $58 per month. At $8525 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$352	$58
Auto-Owners Insurance Co	$399	$68
Iowa Farm Bureau	$420	$70
Utah Farm Bureau	$454	$78
USAA	$1456	$245
Nationwide	$1686	$284
Auto-Owners	$2025	$341
Progressive	$2587	$435
Farm Bureau	$3061	$510
American Family	$3095	$521
Allstate	$5309	$894
State Farm	$7055	$1188
Farmers	$8525	$1420

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alpine, Nationwide is the cheapest car insurance provider. At $373 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alpine is State Farm, offering rates of around $3149 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$373	$64
Farmers Union Insurance	$413	$68
Kemper	$610	$104
Auto-Owners Insurance Co	$698	$116
Progressive	$975	$164
American Family	$1172	$197
USAA	$1550	$263
Farmers	$2126	$358
Farm Bureau	$2140	$364
Auto-Owners	$2587	$431
Allstate	$2776	$472
State Farm	$3149	$524

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Car Insurance Rates with An Accident in Alpine

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alpine, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alpine

The cheapest car insurance companies after an at-fault accident in Alpine include Farmers Union Insurance and AutoOwners Insurance Co, offering $359 and $481, respectively. Farmers is an expensive provider with an average six-month premium of $3338.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$359	$59
Auto-Owners Insurance Co	$481	$82
Utah Farm Bureau	$569	$95
Encompass	$629	$107
USAA	$725	$122
Nationwide	$792	$133
Progressive	$873	$147
Auto-Owners	$1145	$193
American Family	$1151	$194
Farm Bureau	$1753	$299
Allstate	$2174	$366
State Farm	$2430	$409
Farmers	$3338	$556

Alpine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alpine UT. For example, the car insurance in Alpine after a DUI increases to $1117 for a six month policy. While the rate increases by $291 for a six-month policy in the case of a speeding ticket.

Alpine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1246	$207
One Med/PIP claim	$1253	$213
Not-at-fault accident	$1280	$213
One comp claim	$1280	$218
Two Med/PIP claims	$1280	$213
Two comp claims	$1294	$220
Failure to show documents	$1415	$236
Child safety restraint	$1456	$247
Driving without lights	$1456	$243
Failure to wear a seat belt	$1456	$247
Driving with expired registration	$1483	$247
Cell phone violation	$1530	$260
Texting while driving	$1530	$255
Wrong way/wrong lane	$1530	$260
Driving too slowly	$1537	$257
Failure to yield	$1537	$261
Following too closely	$1537	$257
Illegal turn	$1537	$261
Speeding 6 - 10 MPH over limit	$1537	$257
Failure to stop at a red light	$1544	$262
Speeding 11 - 15 MPH over limit	$1544	$258
Speeding 16 - 20 MPH over limit	$1544	$262
Speeding in school zone	$1544	$258
Improper passing	$1550	$263
In 65 MPH zone	$1605	$268
Speeding 21 - 25 MPH over limit	$1632	$277
Passing school bus	$1638	$274
At-fault accident - less than $1000	$1727	$294
Operating a vehicle without permission	$1808	$301
At-fault accident - $1000-$2000	$1856	$316
Open container	$1868	$311
At-fault accident - greater than $2000	$1882	$320
Reckless driving	$2329	$389
Driving with a suspended license	$2343	$398
Refusal to submit to a chemical test	$2343	$391
DUI	$2363	$401
Racing	$2363	$394
Leaving scene of an accident/hit and run	$2465	$420

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alpine after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alpine.

The cheapest car insurance premiums in Alpine are offered by Utah Farm Bureau at $420 for a six-month policy. However, it can be as expensive as $3731 with companies like State Farm.

Alpine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$420	$72
Farmers Union Insurance	$454	$75
Kemper	$521	$89
Progressive	$751	$127
USAA	$1104	$186
Nationwide	$1239	$209
American Family	$1253	$211
Farm Bureau	$1287	$214
Allstate	$1645	$277
Auto-Owners	$2506	$417
Farmers	$2999	$510
State Farm	$3731	$628

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alpine are offered by Farmers Union Insurance at $284. However, it can be as expensive as $3095 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Alpine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$284	$48
Nationwide	$291	$49
Auto-Owners Insurance Co	$393	$67
Progressive	$772	$130
American Family	$880	$148
USAA	$921	$154
Auto-Owners	$955	$162
Farm Bureau	$1287	$214
State Farm	$1666	$283
Allstate	$1748	$291
Farmers	$3095	$527

Car Insurance Price Trends in Alpine, Utah

Car insurance rates in Alpine have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alpine remained steady at $244 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Alpine remained steady at $78 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Alpine?

The car insurance in Alpine is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Alpine?

The cheapest car insurance in Alpine is $83 per month for full coverage.

How much is car insurance in Alpine for teenagers?

Car insurance for teenagers costs $352 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alpine?

The average cost of car insurance is $952 for a six-month policy. It will cost around $182 per month to insure your car in Alpine.

Is car insurance expensive in Alpine?

Car insurance can be expensive in Alpine if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alpine can be affordable.

What is the best car insurance in Alpine, UT?

The best car insurance company in Alpine UT is Farmers Union Insurance, offering $488 for a six-month policy.