Cheapest Car Insurance Quotes in Beaver

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Beaver 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 Beaver

The car insurance rate in Beaver is $1003 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Beaver 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 Beaver

$1003

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Beaver

1st place: Farmers Union Insurance

At $402 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 $430 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $553 for six months, making it the third cheapest auto insurance company in Beaver.

Beaver Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beaver, UT is Farmers Union Insurance, offering policies at just $402 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $430.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2184 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beaver drivers find the best deals.

Cheap Car Insurance Companies in Beaver, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$402	$69
Auto-Owners Insurance Co	$430	$71
Nationwide	$553	$93
USAA	$631	$106
American Family	$714	$120
Progressive	$737	$124
Auto-Owners	$893	$150
Farm Bureau	$1240	$207
Allstate	$1295	$218
State Farm	$1960	$330
Farmers	$2184	$371

Key Takeaways

Way's key takeaways about car insurance in Beaver

The auto insurance costs in Beaver fall around $402 for six months.
The cheapest auto insurance company in Beaver is Farmers Union Insurance.
Teen drivers pay the highest rate in Beaver at $1386 per month.

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Cheapest Minimum Liability Car Insurance in Beaver

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 Beaver are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Beaver. Their Average 6 Month Premium is $184. Farmers is the most expensive at $2937 for the same period.

Cheapest Liability Coverage in Beaver, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$184	$31
Auto-Owners Insurance Co	$240	$40
Nationwide	$262	$44
Progressive	$536	$90
USAA	$558	$94
American Family	$843	$142
Allstate	$1172	$197
Auto-Owners	$1307	$220
Farm Bureau	$1402	$233
State Farm	$2742	$462
Farmers	$2937	$490

Cheapest Full Coverage Car Insurance in Beaver

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 Beaver is Farmers Union Insurance at $69 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beaver, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$402	$69
Auto-Owners Insurance Co	$430	$71
Nationwide	$553	$93
USAA	$631	$106
American Family	$714	$120
Progressive	$737	$124
Auto-Owners	$893	$150
Farm Bureau	$1240	$207
Allstate	$1295	$218
State Farm	$1960	$330
Farmers	$2184	$371

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Average Car Insurance in Beaver 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 Beaver, UT increasing?

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

Car Insurance Premiums by Age in Beaver

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 Beaver,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 Beaver at $48 per month. At $8314 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	$290	$48
Auto-Owners Insurance Co	$329	$56
Iowa Farm Bureau	$346	$57
Utah Farm Bureau	$374	$64
USAA	$1261	$212
Nationwide	$1390	$234
Auto-Owners	$1804	$304
Progressive	$2211	$372
American Family	$2602	$438
Farm Bureau	$3261	$555
Allstate	$4422	$744
State Farm	$7029	$1183
Farmers	$8314	$1386

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 Beaver, Nationwide is the cheapest car insurance provider. At $307 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 Beaver is State Farm, offering rates of around $4138 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$307	$53
Farmers Union Insurance	$340	$56
Kemper	$503	$86
Auto-Owners Insurance Co	$575	$96
Progressive	$972	$164
American Family	$994	$167
USAA	$1435	$244
Farmers	$2027	$341
Farm Bureau	$2334	$397
Allstate	$2362	$394
Auto-Owners	$2435	$414
State Farm	$4138	$690

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Car Insurance Rates with An Accident in Beaver

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

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

The cheapest car insurance companies after an at-fault accident in Beaver include Farmers Union Insurance and AutoOwners Insurance Co, offering $296 and $397, respectively. Farmers is an expensive provider with an average six-month premium of $3272.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$296	$49
Auto-Owners Insurance Co	$397	$68
Utah Farm Bureau	$469	$78
Encompass	$519	$88
USAA	$625	$105
Nationwide	$653	$110
Progressive	$804	$135
American Family	$961	$162
Auto-Owners	$1005	$169
Farm Bureau	$1915	$325
Allstate	$1926	$324
State Farm	$2273	$383
Farmers	$3272	$545

Beaver Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaver UT. For example, the car insurance in Beaver after a DUI increases to $922 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Beaver auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1027	$171
One Med/PIP claim	$1033	$176
Not-at-fault accident	$1056	$176
One comp claim	$1056	$180
Two Med/PIP claims	$1056	$176
Two comp claims	$1067	$181
Failure to show documents	$1167	$195
Child safety restraint	$1200	$204
Driving without lights	$1200	$200
Failure to wear a seat belt	$1200	$204
Driving with expired registration	$1223	$204
Cell phone violation	$1261	$214
Texting while driving	$1261	$211
Wrong way/wrong lane	$1261	$214
Driving too slowly	$1267	$212
Failure to yield	$1267	$215
Following too closely	$1267	$212
Illegal turn	$1267	$215
Speeding 6 - 10 MPH over limit	$1267	$212
Failure to stop at a red light	$1273	$216
Speeding 11 - 15 MPH over limit	$1273	$212
Speeding 16 - 20 MPH over limit	$1273	$216
Speeding in school zone	$1273	$212
Improper passing	$1278	$217
In 65 MPH zone	$1324	$221
Speeding 21 - 25 MPH over limit	$1346	$228
Passing school bus	$1351	$226
At-fault accident - less than $1000	$1424	$243
Operating a vehicle without permission	$1491	$248
At-fault accident - $1000-$2000	$1530	$260
Open container	$1541	$257
At-fault accident - greater than $2000	$1552	$264
Reckless driving	$1920	$321
Driving with a suspended license	$1932	$328
Refusal to submit to a chemical test	$1932	$322
DUI	$1949	$331
Racing	$1949	$325
Leaving scene of an accident/hit and run	$2032	$346

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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 Beaver 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 Beaver.

The cheapest car insurance premiums in Beaver are offered by Utah Farm Bureau at $346 for a six-month policy. However, it can be as expensive as $3836 with companies like State Farm.

Beaver car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$346	$59
Farmers Union Insurance	$374	$62
Kemper	$430	$73
Progressive	$720	$121
USAA	$961	$162
Nationwide	$1022	$172
American Family	$1056	$178
Allstate	$1373	$231
Farm Bureau	$1402	$239
Auto-Owners	$2317	$386
Farmers	$2937	$499
State Farm	$3836	$646

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 Beaver are offered by Farmers Union Insurance at $234. However, it can be as expensive as $3026 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beaver after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$234	$39
Nationwide	$240	$40
Auto-Owners Insurance Co	$324	$55
American Family	$748	$126
Progressive	$832	$140
USAA	$854	$142
Auto-Owners	$893	$152
Farm Bureau	$1402	$233
Allstate	$1480	$252
State Farm	$2178	$363
Farmers	$3026	$514

Car Insurance Price Trends in Beaver, Utah

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

The average cost of full coverage in the Beaver rose by $226 in January compared to $201 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Beaver rose to $154 in January, compared to $64 in December. This represents an increase of $90 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Beaver?

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

What is the cheapest car insurance in Beaver?

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

How much is car insurance in Beaver for teenagers?

Car insurance for teenagers costs $290 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 Beaver?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $168 per month to insure your car in Beaver.

Is car insurance expensive in Beaver?

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

What is the best car insurance in Beaver, UT?

The best car insurance company in Beaver UT is Farmers Union Insurance, offering $402 for a six-month policy.