Cheapest Car Insurance Quotes in Copperton

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Copperton Car Insurance

^$ 36

/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 Copperton

The car insurance rate in Copperton is $1028 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Copperton 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 Copperton

$1028

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Copperton

1st place: Farmers Union Insurance

At $462 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 $494 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $635 for six months, making it the third cheapest auto insurance company in Copperton.

Copperton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Copperton, UT is Farmers Union Insurance, offering policies at just $462 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $494.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2110 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Copperton drivers find the best deals.

Cheap Car Insurance Companies in Copperton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$462	$79
Auto-Owners Insurance Co	$494	$82
Nationwide	$635	$107
USAA	$693	$117
Progressive	$783	$132
American Family	$808	$136
Auto-Owners	$969	$163
Farm Bureau	$1078	$179
Allstate	$1469	$247
State Farm	$1815	$306
Farmers	$2110	$359

Key Takeaways

Way's key takeaways about car insurance in Copperton

The auto insurance costs in Copperton fall around $462 for six months.
The cheapest auto insurance company in Copperton is Farmers Union Insurance.
Teen drivers pay the highest rate in Copperton at $1346 per month.

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Cheapest Minimum Liability Car Insurance in Copperton

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 Copperton are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Copperton. Their Average 6 Month Premium is $212. Farmers is the most expensive at $1065 for the same period.

Cheapest Liability Coverage in Copperton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$212	$36
USAA	$251	$42
Auto-Owners Insurance Co	$275	$46
Nationwide	$301	$51
Progressive	$353	$59
Auto-Owners	$391	$66
Farm Bureau	$436	$72
American Family	$456	$77
Allstate	$705	$119
State Farm	$834	$140
Farmers	$1065	$177

Cheapest Full Coverage Car Insurance in Copperton

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 Copperton is Farmers Union Insurance at $79 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Copperton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$462	$79
Auto-Owners Insurance Co	$494	$82
Nationwide	$635	$107
USAA	$693	$117
Progressive	$783	$132
American Family	$808	$136
Auto-Owners	$969	$163
Farm Bureau	$1078	$179
Allstate	$1469	$247
State Farm	$1815	$306
Farmers	$2110	$359

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Average Car Insurance in Copperton 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 Copperton, UT increasing?

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

Car Insurance Premiums by Age in Copperton

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 Copperton,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 Copperton at $55 per month. At $8076 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	$334	$55
Auto-Owners Insurance Co	$378	$65
Iowa Farm Bureau	$397	$66
Utah Farm Bureau	$430	$73
USAA	$1379	$232
Nationwide	$1597	$269
Auto-Owners	$1918	$323
Progressive	$2451	$413
Farm Bureau	$2900	$483
American Family	$2932	$494
Allstate	$5030	$847
State Farm	$6684	$1125
Farmers	$8076	$1346

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 Copperton, Nationwide is the cheapest car insurance provider. At $353 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 Copperton is State Farm, offering rates of around $2983 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$353	$60
Farmers Union Insurance	$391	$65
Kemper	$578	$98
Auto-Owners Insurance Co	$661	$110
Progressive	$923	$156
American Family	$1110	$187
USAA	$1469	$249
Farmers	$2014	$339
Farm Bureau	$2027	$345
Auto-Owners	$2451	$408
Allstate	$2630	$447
State Farm	$2983	$497

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Car Insurance Rates with An Accident in Copperton

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

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

The cheapest car insurance companies after an at-fault accident in Copperton include Farmers Union Insurance and AutoOwners Insurance Co, offering $340 and $456, respectively. Farmers is an expensive provider with an average six-month premium of $3162.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$340	$56
Auto-Owners Insurance Co	$456	$78
Utah Farm Bureau	$539	$90
Encompass	$596	$102
USAA	$687	$116
Nationwide	$751	$126
Progressive	$827	$139
Auto-Owners	$1084	$183
American Family	$1091	$184
Farm Bureau	$1661	$283
Allstate	$2060	$347
State Farm	$2303	$388
Farmers	$3162	$527

Copperton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Copperton UT. For example, the car insurance in Copperton after a DUI increases to $1059 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.

Copperton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1180	$197
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1213	$202
One comp claim	$1213	$206
Two Med/PIP claims	$1213	$202
Two comp claims	$1226	$208
Failure to show documents	$1340	$224
Child safety restraint	$1379	$234
Driving without lights	$1379	$230
Failure to wear a seat belt	$1379	$234
Driving with expired registration	$1405	$234
Cell phone violation	$1449	$246
Texting while driving	$1449	$242
Wrong way/wrong lane	$1449	$246
Driving too slowly	$1456	$243
Failure to yield	$1456	$247
Following too closely	$1456	$243
Illegal turn	$1456	$247
Speeding 6 - 10 MPH over limit	$1456	$243
Failure to stop at a red light	$1462	$248
Speeding 11 - 15 MPH over limit	$1462	$244
Speeding 16 - 20 MPH over limit	$1462	$248
Speeding in school zone	$1462	$244
Improper passing	$1469	$249
In 65 MPH zone	$1521	$254
Speeding 21 - 25 MPH over limit	$1547	$262
Passing school bus	$1552	$259
At-fault accident - less than $1000	$1636	$279
Operating a vehicle without permission	$1713	$285
At-fault accident - $1000-$2000	$1758	$299
Open container	$1770	$295
At-fault accident - greater than $2000	$1783	$303
Reckless driving	$2206	$368
Driving with a suspended license	$2219	$377
Refusal to submit to a chemical test	$2219	$370
DUI	$2239	$380
Racing	$2239	$374
Leaving scene of an accident/hit and run	$2335	$397

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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 Copperton 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 Copperton.

The cheapest car insurance premiums in Copperton are offered by Utah Farm Bureau at $397 for a six-month policy. However, it can be as expensive as $3535 with companies like State Farm.

Copperton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$397	$68
Farmers Union Insurance	$430	$71
Kemper	$494	$84
Progressive	$712	$120
USAA	$1045	$176
Nationwide	$1174	$198
American Family	$1187	$200
Farm Bureau	$1219	$203
Allstate	$1558	$262
Auto-Owners	$2374	$395
Farmers	$2841	$483
State Farm	$3535	$595

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 Copperton are offered by Farmers Union Insurance at $269. However, it can be as expensive as $2932 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Copperton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$269	$45
Nationwide	$275	$46
Auto-Owners Insurance Co	$373	$64
Progressive	$731	$123
American Family	$834	$140
USAA	$873	$146
Auto-Owners	$905	$153
Farm Bureau	$1219	$203
State Farm	$1578	$268
Allstate	$1656	$275
Farmers	$2932	$499

Car Insurance Price Trends in Copperton, Utah

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

The average cost of full coverage in the Copperton remained steady at $231 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Copperton remained steady at $73 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 Copperton?

The car insurance in Copperton is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Copperton?

The cheapest car insurance in Copperton is $79 per month for full coverage.

How much is car insurance in Copperton for teenagers?

Car insurance for teenagers costs $334 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 Copperton?

The average cost of car insurance is $952 for a six-month policy. It will cost around $173 per month to insure your car in Copperton.

Is car insurance expensive in Copperton?

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

What is the best car insurance in Copperton, UT?

The best car insurance company in Copperton UT is Farmers Union Insurance, offering $462 for a six-month policy.