Cheapest Car Insurance Quotes in Castle Dale

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Castle Dale 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 Castle Dale

The car insurance rate in Castle Dale is $885 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Castle Dale 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 Castle Dale

$885

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Castle Dale

1st place: Farmers Union Insurance

At $398 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 $425 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $547 for six months, making it the third cheapest auto insurance company in Castle Dale.

Castle Dale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Castle Dale, UT is Farmers Union Insurance, offering policies at just $398 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $425.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1817 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Castle Dale drivers find the best deals.

Cheap Car Insurance Companies in Castle Dale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$398	$68
Auto-Owners Insurance Co	$425	$71
Nationwide	$547	$92
USAA	$597	$100
Progressive	$674	$113
American Family	$696	$117
Auto-Owners	$834	$140
Farm Bureau	$928	$154
Allstate	$1265	$213
State Farm	$1563	$263
Farmers	$1817	$309

Key Takeaways

Way's key takeaways about car insurance in Castle Dale

The auto insurance costs in Castle Dale fall around $398 for six months.
The cheapest auto insurance company in Castle Dale is Farmers Union Insurance.
Teen drivers pay the highest rate in Castle Dale at $1159 per month.

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Cheapest Minimum Liability Car Insurance in Castle Dale

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 Castle Dale are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Castle Dale. Their Average 6 Month Premium is $182. Farmers is the most expensive at $917 for the same period.

Cheapest Liability Coverage in Castle Dale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$182	$31
USAA	$216	$36
Auto-Owners Insurance Co	$237	$40
Nationwide	$259	$44
Progressive	$304	$51
Auto-Owners	$337	$57
Farm Bureau	$376	$62
American Family	$392	$66
Allstate	$607	$102
State Farm	$718	$121
Farmers	$917	$153

Cheapest Full Coverage Car Insurance in Castle Dale

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 Castle Dale is Farmers Union Insurance at $68 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Castle Dale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$398	$68
Auto-Owners Insurance Co	$425	$71
Nationwide	$547	$92
USAA	$597	$100
Progressive	$674	$113
American Family	$696	$117
Auto-Owners	$834	$140
Farm Bureau	$928	$154
Allstate	$1265	$213
State Farm	$1563	$263
Farmers	$1817	$309

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Average Car Insurance in Castle Dale 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 Castle Dale, UT increasing?

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

Car Insurance Premiums by Age in Castle Dale

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 Castle Dale,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 Castle Dale at $47 per month. At $6955 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	$287	$47
Auto-Owners Insurance Co	$326	$56
Iowa Farm Bureau	$342	$57
Utah Farm Bureau	$370	$63
USAA	$1188	$200
Nationwide	$1375	$232
Auto-Owners	$1652	$278
Progressive	$2110	$355
Farm Bureau	$2497	$416
American Family	$2525	$425
Allstate	$4331	$729
State Farm	$5756	$969
Farmers	$6955	$1159

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 Castle Dale, Nationwide is the cheapest car insurance provider. At $304 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 Castle Dale is State Farm, offering rates of around $2569 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$304	$52
Farmers Union Insurance	$337	$56
Kemper	$498	$85
Auto-Owners Insurance Co	$569	$95
Progressive	$795	$134
American Family	$956	$161
USAA	$1265	$215
Farmers	$1734	$292
Farm Bureau	$1746	$297
Auto-Owners	$2110	$352
Allstate	$2265	$385
State Farm	$2569	$428

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Car Insurance Rates with An Accident in Castle Dale

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

Cheapest Car Insurance Companies after an At-Fault Accident in Castle Dale

The cheapest car insurance companies after an at-fault accident in Castle Dale include Farmers Union Insurance and AutoOwners Insurance Co, offering $293 and $392, respectively. Farmers is an expensive provider with an average six-month premium of $2723.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$293	$48
Auto-Owners Insurance Co	$392	$67
Utah Farm Bureau	$464	$77
Encompass	$513	$87
USAA	$591	$100
Nationwide	$646	$109
Progressive	$712	$120
Auto-Owners	$934	$157
American Family	$939	$158
Farm Bureau	$1430	$244
Allstate	$1774	$299
State Farm	$1983	$334
Farmers	$2723	$454

Castle Dale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Castle Dale UT. For example, the car insurance in Castle Dale after a DUI increases to $912 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Castle Dale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1016	$169
One Med/PIP claim	$1022	$174
Not-at-fault accident	$1044	$174
One comp claim	$1044	$178
Two Med/PIP claims	$1044	$174
Two comp claims	$1056	$179
Failure to show documents	$1154	$193
Child safety restraint	$1188	$202
Driving without lights	$1188	$198
Failure to wear a seat belt	$1188	$202
Driving with expired registration	$1210	$202
Cell phone violation	$1248	$212
Texting while driving	$1248	$208
Wrong way/wrong lane	$1248	$212
Driving too slowly	$1254	$209
Failure to yield	$1254	$213
Following too closely	$1254	$209
Illegal turn	$1254	$213
Speeding 6 - 10 MPH over limit	$1254	$209
Failure to stop at a red light	$1259	$214
Speeding 11 - 15 MPH over limit	$1259	$210
Speeding 16 - 20 MPH over limit	$1259	$214
Speeding in school zone	$1259	$210
Improper passing	$1265	$215
In 65 MPH zone	$1309	$219
Speeding 21 - 25 MPH over limit	$1332	$226
Passing school bus	$1336	$223
At-fault accident - less than $1000	$1409	$240
Operating a vehicle without permission	$1475	$246
At-fault accident - $1000-$2000	$1514	$258
Open container	$1524	$254
At-fault accident - greater than $2000	$1535	$261
Reckless driving	$1900	$317
Driving with a suspended license	$1911	$325
Refusal to submit to a chemical test	$1911	$319
DUI	$1928	$327
Racing	$1928	$322
Leaving scene of an accident/hit and run	$2011	$342

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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 Castle Dale 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 Castle Dale.

The cheapest car insurance premiums in Castle Dale are offered by Utah Farm Bureau at $342 for a six-month policy. However, it can be as expensive as $3044 with companies like State Farm.

Castle Dale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$342	$59
Farmers Union Insurance	$370	$61
Kemper	$425	$73
Progressive	$613	$103
USAA	$900	$152
Nationwide	$1011	$170
American Family	$1022	$172
Farm Bureau	$1050	$175
Allstate	$1342	$226
Auto-Owners	$2044	$340
Farmers	$2447	$416
State Farm	$3044	$512

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 Castle Dale are offered by Farmers Union Insurance at $232. However, it can be as expensive as $2525 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Castle Dale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$232	$39
Nationwide	$237	$40
Auto-Owners Insurance Co	$321	$55
Progressive	$630	$106
American Family	$718	$121
USAA	$751	$126
Auto-Owners	$779	$132
Farm Bureau	$1050	$175
State Farm	$1359	$231
Allstate	$1426	$237
Farmers	$2525	$430

Car Insurance Price Trends in Castle Dale, Utah

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

The average cost of full coverage in the Castle Dale remained steady at $199 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Castle Dale remained steady at $63 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 Castle Dale?

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

What is the cheapest car insurance in Castle Dale?

The cheapest car insurance in Castle Dale is $68 per month for full coverage.

How much is car insurance in Castle Dale for teenagers?

Car insurance for teenagers costs $287 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 Castle Dale?

The average cost of car insurance is $952 for a six-month policy. It will cost around $149 per month to insure your car in Castle Dale.

Is car insurance expensive in Castle Dale?

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

What is the best car insurance in Castle Dale, UT?

The best car insurance company in Castle Dale UT is Farmers Union Insurance, offering $398 for a six-month policy.