Cheapest Car Insurance Quotes in Annabella

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Annabella Car Insurance

^$ 31

/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 Annabella

The car insurance rate in Annabella is $904 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, making it a popular choice for budget-conscious drivers. Rates in Annabella 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 Annabella

$904

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Annabella

1st place: Farmers Union Insurance

At $407 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 $434 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $559 for six months, making it the third cheapest auto insurance company in Annabella.

Annabella Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Annabella, UT is Farmers Union Insurance, offering policies at just $407 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $434.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1856 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Annabella drivers find the best deals.

Cheap Car Insurance Companies in Annabella, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$407	$69
Auto-Owners Insurance Co	$434	$72
Nationwide	$559	$94
USAA	$610	$103
Progressive	$689	$116
American Family	$711	$120
Auto-Owners	$852	$143
Farm Bureau	$948	$158
Allstate	$1292	$218
State Farm	$1597	$269
Farmers	$1856	$315

Key Takeaways

Way's key takeaways about car insurance in Annabella

The auto insurance costs in Annabella fall around $407 for six months.
The cheapest auto insurance company in Annabella is Farmers Union Insurance.
Teen drivers pay the highest rate in Annabella at $1184 per month.

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Cheapest Minimum Liability Car Insurance in Annabella

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 Annabella are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Annabella. Their Average 6 Month Premium is $186. Farmers is the most expensive at $937 for the same period.

Cheapest Liability Coverage in Annabella, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$186	$31
USAA	$220	$37
Auto-Owners Insurance Co	$242	$41
Nationwide	$265	$45
Progressive	$311	$52
Auto-Owners	$344	$58
Farm Bureau	$384	$64
American Family	$401	$67
Allstate	$620	$105
State Farm	$733	$124
Farmers	$937	$156

Cheapest Full Coverage Car Insurance in Annabella

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 Annabella is Farmers Union Insurance at $69 per month and $407 for six months.

Cheapest Full Coverage Car Insurance Quotes in Annabella, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$407	$69
Auto-Owners Insurance Co	$434	$72
Nationwide	$559	$94
USAA	$610	$103
Progressive	$689	$116
American Family	$711	$120
Auto-Owners	$852	$143
Farm Bureau	$948	$158
Allstate	$1292	$218
State Farm	$1597	$269
Farmers	$1856	$315

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Average Car Insurance in Annabella 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 Annabella, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Annabella, 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, Annabella's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Annabella

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 Annabella,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 Annabella at $48 per month. At $7104 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	$294	$48
Auto-Owners Insurance Co	$333	$57
Iowa Farm Bureau	$350	$58
Utah Farm Bureau	$378	$65
USAA	$1213	$204
Nationwide	$1405	$237
Auto-Owners	$1687	$284
Progressive	$2156	$363
Farm Bureau	$2551	$425
American Family	$2579	$434
Allstate	$4424	$745
State Farm	$5880	$990
Farmers	$7104	$1184

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 Annabella, Nationwide is the cheapest car insurance provider. At $311 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 Annabella is State Farm, offering rates of around $2624 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$311	$53
Farmers Union Insurance	$344	$57
Kemper	$508	$86
Auto-Owners Insurance Co	$581	$97
Progressive	$812	$137
American Family	$977	$164
USAA	$1292	$219
Farmers	$1772	$298
Farm Bureau	$1783	$303
Auto-Owners	$2156	$359
Allstate	$2313	$393
State Farm	$2624	$437

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Car Insurance Rates with An Accident in Annabella

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 Annabella, UT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Annabella include Farmers Union Insurance and AutoOwners Insurance Co, offering $299 and $401, respectively. Farmers is an expensive provider with an average six-month premium of $2782.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$299	$49
Auto-Owners Insurance Co	$401	$68
Utah Farm Bureau	$474	$79
Encompass	$524	$89
USAA	$604	$102
Nationwide	$660	$111
Progressive	$728	$123
Auto-Owners	$954	$161
American Family	$960	$162
Farm Bureau	$1461	$249
Allstate	$1812	$305
State Farm	$2025	$341
Farmers	$2782	$464

Annabella Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Annabella UT. For example, the car insurance in Annabella after a DUI increases to $931 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Annabella auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1038	$173
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1067	$178
One comp claim	$1067	$181
Two Med/PIP claims	$1067	$178
Two comp claims	$1078	$183
Failure to show documents	$1179	$197
Child safety restraint	$1213	$206
Driving without lights	$1213	$202
Failure to wear a seat belt	$1213	$206
Driving with expired registration	$1236	$206
Cell phone violation	$1275	$217
Texting while driving	$1275	$213
Wrong way/wrong lane	$1275	$217
Driving too slowly	$1281	$214
Failure to yield	$1281	$218
Following too closely	$1281	$214
Illegal turn	$1281	$218
Speeding 6 - 10 MPH over limit	$1281	$214
Failure to stop at a red light	$1286	$219
Speeding 11 - 15 MPH over limit	$1286	$215
Speeding 16 - 20 MPH over limit	$1286	$219
Speeding in school zone	$1286	$215
Improper passing	$1292	$219
In 65 MPH zone	$1338	$223
Speeding 21 - 25 MPH over limit	$1360	$231
Passing school bus	$1365	$228
At-fault accident - less than $1000	$1439	$245
Operating a vehicle without permission	$1507	$251
At-fault accident - $1000-$2000	$1547	$263
Open container	$1557	$259
At-fault accident - greater than $2000	$1568	$267
Reckless driving	$1941	$324
Driving with a suspended license	$1952	$332
Refusal to submit to a chemical test	$1952	$326
DUI	$1969	$334
Racing	$1969	$329
Leaving scene of an accident/hit and run	$2054	$350

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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 Annabella 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 Annabella.

The cheapest car insurance premiums in Annabella are offered by Utah Farm Bureau at $350 for a six-month policy. However, it can be as expensive as $3109 with companies like State Farm.

Annabella car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$350	$60
Farmers Union Insurance	$378	$63
Kemper	$434	$74
Progressive	$626	$105
USAA	$920	$155
Nationwide	$1033	$174
American Family	$1044	$176
Farm Bureau	$1073	$179
Allstate	$1371	$231
Auto-Owners	$2088	$348
Farmers	$2499	$425
State Farm	$3109	$523

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 Annabella are offered by Farmers Union Insurance at $237. However, it can be as expensive as $2579 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Annabella after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$237	$40
Nationwide	$242	$41
Auto-Owners Insurance Co	$328	$56
Progressive	$643	$108
American Family	$733	$124
USAA	$768	$128
Auto-Owners	$796	$135
Farm Bureau	$1073	$179
State Farm	$1388	$236
Allstate	$1456	$242
Farmers	$2579	$439

Car Insurance Price Trends in Annabella, Utah

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

The average cost of full coverage in the Annabella remained steady at $203 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Annabella remained steady at $65 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 Annabella?

The car insurance in Annabella is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Annabella?

The cheapest car insurance in Annabella is $69 per month for full coverage.

How much is car insurance in Annabella for teenagers?

Car insurance for teenagers costs $294 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 Annabella?

The average cost of car insurance is $952 for a six-month policy. It will cost around $152 per month to insure your car in Annabella.

Is car insurance expensive in Annabella?

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

What is the best car insurance in Annabella, UT?

The best car insurance company in Annabella UT is Farmers Union Insurance, offering $407 for a six-month policy.