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Finding the cheapest car insurance quotes in Altonah shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Altonah
The car insurance rate in Altonah is $962 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Altonah 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.
At $432 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 $462 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $594
for six months, making it
the third cheapest auto insurance company in Altonah.
Altonah Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Altonah, UT is Farmers Union Insurance, offering policies at just $432 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $462.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1974 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Altonah drivers find the best deals.
Way's key takeaways about car insurance in Altonah
The auto insurance costs in Altonah fall around $432 for six
months.
The cheapest auto insurance company in Altonah is Farmers Union Insurance.
Teen drivers pay the highest rate in Altonah at $1258 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Altonah
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 Altonah are given below.
Farmers Union Insurance provides
the cheapest minimum car insurance
coverage in Altonah. Their Average 6 Month Premium is $198.
Farmers is the most
expensive at $996 for the same
period.
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 Altonah is Farmers Union Insurance
at $74 per month and $432
for six months.
Cheapest Full Coverage Car Insurance Quotes in Altonah,
UT
Get Your Car Insurance Quote in Altonah
Instantly!
Average Car Insurance in Altonah 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 Altonah, UT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Altonah, 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, Altonah's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Altonah
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Altonah,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 Altonah at $52
per
month. At $7553 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Altonah.
As young drivers face the highest rates in Altonah, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Altonah,
Nationwide is
the cheapest car insurance provider. At $330 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
Altonah is State Farm, offering
rates of around $2790 for six
months.
Save up to $971/yr on car insurance rates in Altonah.
Car Insurance Rates with An Accident in Altonah
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 Altonah, UT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Altonah
The cheapest car insurance companies after an at-fault accident in
Altonah include Farmers Union Insurance
and AutoOwners Insurance Co, offering $318
and $426,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2957.
Here is a list of driving violations that can increase your car
insurance rates in Altonah UT. For example, the car
insurance in Altonah
after a DUI increases to $990 for a six
month policy. While the rate increases by $257 for a six-month policy in the case of
a speeding ticket.
Altonah auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1104
$184
One Med/PIP claim
$1110
$189
Not-at-fault accident
$1134
$189
One comp claim
$1134
$193
Two Med/PIP claims
$1134
$189
Two comp claims
$1146
$195
Failure to show documents
$1253
$209
Child safety restraint
$1290
$219
Driving without lights
$1290
$215
Failure to wear a seat belt
$1290
$219
Driving with expired registration
$1314
$219
Cell phone violation
$1355
$230
Texting while driving
$1355
$226
Wrong way/wrong lane
$1355
$230
Driving too slowly
$1361
$227
Failure to yield
$1361
$231
Following too closely
$1361
$227
Illegal turn
$1361
$231
Speeding 6 - 10 MPH over limit
$1361
$227
Failure to stop at a red light
$1368
$232
Speeding 11 - 15 MPH over limit
$1368
$228
Speeding 16 - 20 MPH over limit
$1368
$232
Speeding in school zone
$1368
$228
Improper passing
$1374
$233
In 65 MPH zone
$1422
$237
Speeding 21 - 25 MPH over limit
$1446
$245
Passing school bus
$1451
$242
At-fault accident - less than $1000
$1530
$261
Operating a vehicle without permission
$1602
$267
At-fault accident - $1000-$2000
$1644
$280
Open container
$1655
$276
At-fault accident - greater than $2000
$1668
$284
Reckless driving
$2063
$344
Driving with a suspended license
$2076
$352
Refusal to submit to a chemical test
$2076
$346
DUI
$2094
$356
Racing
$2094
$349
Leaving scene of an accident/hit and run
$2184
$372
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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 Altonah 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 Altonah.
The cheapest car insurance premiums in
Altonah are
offered by Utah Farm Bureau at $372 for a six-month policy.
However, it can be as
expensive as $3306 with companies
like State Farm.
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 Altonah are offered by Farmers Union Insurance
at $251. However,
it can be as expensive as $2742
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Altonah after Speeding ticket
Car insurance rates in Altonah have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Altonah remained steady at $216 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Altonah remained steady at $69 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Altonah. At $1923 for a
six-month policy, insuring
your car at 84002 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Altonah?
The car insurance in Altonah is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Altonah?
The cheapest car insurance in Altonah
is $74 per month
for full coverage.
How much is car insurance in Altonah for teenagers?
Car insurance for teenagers costs $312 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
Altonah?
The average cost of car insurance is $952 for a six-month
policy. It will cost around $162 per month to insure your
car in Altonah.
Is car insurance expensive in Altonah?
Car insurance can be expensive in Altonah if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Altonah can be
affordable.
What is the best car insurance in Altonah,
UT?
The best car insurance company in Altonah
UT is
Farmers Union Insurance, offering $432 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Altonah, UT
Car Insurance Rates by State in the USA (2025 Update)
Altonah Car Insurance
