Cheapest Car Insurance Quotes in Emigration Canyon

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Emigration Canyon Car Insurance

^$ 38

/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 Emigration Canyon

The car insurance rate in Emigration Canyon is $1227 for a six-month policy, which is $160 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Emigration Canyon 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 Emigration Canyon

$1227

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Emigration Canyon

1st place: Farmers Union Insurance

At $492 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $676 for six months, making it the third cheapest auto insurance company in Emigration Canyon.

Emigration Canyon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emigration Canyon, UT is Farmers Union Insurance, offering policies at just $492 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $526.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2671 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emigration Canyon drivers find the best deals.

Cheap Car Insurance Companies in Emigration Canyon, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$492	$84
Auto-Owners Insurance Co	$526	$87
Nationwide	$676	$114
USAA	$772	$130
American Family	$874	$147
Progressive	$902	$152
Auto-Owners	$1093	$184
Farm Bureau	$1517	$253
Allstate	$1585	$267
State Farm	$2398	$404
Farmers	$2671	$454

Key Takeaways

Way's key takeaways about car insurance in Emigration Canyon

The auto insurance costs in Emigration Canyon fall around $492 for six months.
The cheapest auto insurance company in Emigration Canyon is Farmers Union Insurance.
Teen drivers pay the highest rate in Emigration Canyon at $1695 per month.

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Cheapest Minimum Liability Car Insurance in Emigration Canyon

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 Emigration Canyon are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Emigration Canyon. Their Average 6 Month Premium is $225. Farmers is the most expensive at $1155 for the same period.

Cheapest Liability Coverage in Emigration Canyon, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$225	$38
USAA	$281	$47
Auto-Owners Insurance Co	$293	$49
Nationwide	$321	$54
Progressive	$390	$66
Auto-Owners	$409	$69
American Family	$478	$81
Farm Bureau	$574	$98
Allstate	$718	$121
State Farm	$1093	$184
Farmers	$1155	$192

Cheapest Full Coverage Car Insurance in Emigration Canyon

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 Emigration Canyon is Farmers Union Insurance at $84 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emigration Canyon, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$492	$84
Auto-Owners Insurance Co	$526	$87
Nationwide	$676	$114
USAA	$772	$130
American Family	$874	$147
Progressive	$902	$152
Auto-Owners	$1093	$184
Farm Bureau	$1517	$253
Allstate	$1585	$267
State Farm	$2398	$404
Farmers	$2671	$454

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Average Car Insurance in Emigration Canyon 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 Emigration Canyon, UT increasing?

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

Car Insurance Premiums by Age in Emigration Canyon

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 Emigration Canyon,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 Emigration Canyon at $59 per month. At $10172 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	$355	$59
Auto-Owners Insurance Co	$402	$69
Iowa Farm Bureau	$423	$70
Utah Farm Bureau	$458	$78
USAA	$1543	$260
Nationwide	$1701	$286
Auto-Owners	$2207	$371
Progressive	$2705	$455
American Family	$3183	$536
Farm Bureau	$3989	$679
Allstate	$5410	$911
State Farm	$8600	$1448
Farmers	$10172	$1695

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 Emigration Canyon, Nationwide is the cheapest car insurance provider. At $376 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 Emigration Canyon is State Farm, offering rates of around $5062 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$376	$64
Farmers Union Insurance	$416	$69
Kemper	$615	$105
Auto-Owners Insurance Co	$704	$117
Progressive	$1189	$200
American Family	$1216	$205
USAA	$1756	$299
Farmers	$2479	$417
Farm Bureau	$2855	$485
Allstate	$2890	$482
Auto-Owners	$2978	$506
State Farm	$5062	$844

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Car Insurance Rates with An Accident in Emigration Canyon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Emigration Canyon

The cheapest car insurance companies after an at-fault accident in Emigration Canyon include Farmers Union Insurance and AutoOwners Insurance Co, offering $362 and $485, respectively. Farmers is an expensive provider with an average six-month premium of $4003.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$362	$60
Auto-Owners Insurance Co	$485	$83
Utah Farm Bureau	$574	$95
Encompass	$635	$108
USAA	$765	$129
Nationwide	$799	$135
Progressive	$983	$166
American Family	$1175	$198
Auto-Owners	$1229	$207
Farm Bureau	$2343	$398
Allstate	$2356	$397
State Farm	$2781	$468
Farmers	$4003	$667

Emigration Canyon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emigration Canyon UT. For example, the car insurance in Emigration Canyon after a DUI increases to $1127 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Emigration Canyon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1257	$209
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1291	$215
One comp claim	$1291	$220
Two Med/PIP claims	$1291	$215
Two comp claims	$1305	$222
Failure to show documents	$1427	$238
Child safety restraint	$1469	$250
Driving without lights	$1469	$245
Failure to wear a seat belt	$1469	$250
Driving with expired registration	$1496	$250
Cell phone violation	$1543	$262
Texting while driving	$1543	$258
Wrong way/wrong lane	$1543	$262
Driving too slowly	$1550	$259
Failure to yield	$1550	$263
Following too closely	$1550	$259
Illegal turn	$1550	$263
Speeding 6 - 10 MPH over limit	$1550	$259
Failure to stop at a red light	$1557	$265
Speeding 11 - 15 MPH over limit	$1557	$260
Speeding 16 - 20 MPH over limit	$1557	$265
Speeding in school zone	$1557	$260
Improper passing	$1564	$266
In 65 MPH zone	$1619	$270
Speeding 21 - 25 MPH over limit	$1647	$279
Passing school bus	$1653	$276
At-fault accident - less than $1000	$1742	$297
Operating a vehicle without permission	$1824	$304
At-fault accident - $1000-$2000	$1872	$319
Open container	$1885	$314
At-fault accident - greater than $2000	$1899	$323
Reckless driving	$2349	$392
Driving with a suspended license	$2363	$401
Refusal to submit to a chemical test	$2363	$394
DUI	$2384	$405
Racing	$2384	$398
Leaving scene of an accident/hit and run	$2486	$423

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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 Emigration Canyon 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 Emigration Canyon.

The cheapest car insurance premiums in Emigration Canyon are offered by Utah Farm Bureau at $423 for a six-month policy. However, it can be as expensive as $4693 with companies like State Farm.

Emigration Canyon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$423	$72
Farmers Union Insurance	$458	$76
Kemper	$526	$90
Progressive	$881	$148
USAA	$1175	$198
Nationwide	$1250	$210
American Family	$1291	$217
Allstate	$1680	$283
Farm Bureau	$1715	$292
Auto-Owners	$2835	$473
Farmers	$3593	$611
State Farm	$4693	$790

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 Emigration Canyon are offered by Farmers Union Insurance at $286. However, it can be as expensive as $3702 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Emigration Canyon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$286	$48
Nationwide	$293	$49
Auto-Owners Insurance Co	$397	$68
American Family	$915	$154
Progressive	$1018	$171
USAA	$1045	$174
Auto-Owners	$1093	$186
Farm Bureau	$1715	$285
Allstate	$1810	$308
State Farm	$2665	$444
Farmers	$3702	$629

Car Insurance Price Trends in Emigration Canyon, Utah

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

The average cost of full coverage in the Emigration Canyon remained steady at $276 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Emigration Canyon dipped to $81 in February, compared to $189 in January. This represents an decrease of $108 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Emigration Canyon?

The car insurance in Emigration Canyon is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Emigration Canyon?

The cheapest car insurance in Emigration Canyon is $84 per month for full coverage.

How much is car insurance in Emigration Canyon for teenagers?

Car insurance for teenagers costs $355 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 Emigration Canyon?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $206 per month to insure your car in Emigration Canyon.

Is car insurance expensive in Emigration Canyon?

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

What is the best car insurance in Emigration Canyon, UT?

The best car insurance company in Emigration Canyon UT is Farmers Union Insurance, offering $492 for a six-month policy.