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Finding the cheapest car insurance quotes in Garrison shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Garrison
The car insurance rate in Garrison is $914 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Garrison 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.
At $411 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 $439 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $564
for six months, making it
the third cheapest auto insurance company in Garrison.
Garrison Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Garrison, UT is Farmers Union Insurance, offering policies at just $411 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $439.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garrison drivers find the best deals.
Way's key takeaways about car insurance in Garrison
The auto insurance costs in Garrison fall around $411 for six
months.
The cheapest auto insurance company in Garrison is Farmers Union Insurance.
Teen drivers pay the highest rate in Garrison at $1196 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Garrison
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 Garrison are given below.
Farmers Union Insurance provides
the cheapest minimum car insurance
coverage in Garrison. Their Average 6 Month Premium is $188.
Farmers is the most
expensive at $947 for the same
period.
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 Garrison is Farmers Union Insurance
at $70 per month and $411
for six months.
Cheapest Full Coverage Car Insurance Quotes in Garrison,
UT
Get Your Car Insurance Quote in Garrison
Instantly!
Average Car Insurance in Garrison 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 Garrison, UT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Garrison, 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, Garrison's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Garrison
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Garrison,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 Garrison at $49
per
month. At $7179 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Garrison.
As young drivers face the highest rates in Garrison, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Garrison,
Nationwide is
the cheapest car insurance provider. At $314 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
Garrison is State Farm, offering
rates of around $2652 for six
months.
Save up to $971/yr on car insurance rates in Garrison.
Car Insurance Rates with An Accident in Garrison
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 Garrison, UT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Garrison
The cheapest car insurance companies after an at-fault accident in
Garrison include Farmers Union Insurance
and AutoOwners Insurance Co, offering $302
and $405,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2811.
Here is a list of driving violations that can increase your car
insurance rates in Garrison UT. For example, the car
insurance in Garrison
after a DUI increases to $941 for a six
month policy. While the rate increases by $245 for a six-month policy in the case of
a speeding ticket.
Garrison auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1049
$175
One Med/PIP claim
$1055
$180
Not-at-fault accident
$1078
$180
One comp claim
$1078
$183
Two Med/PIP claims
$1078
$180
Two comp claims
$1090
$185
Failure to show documents
$1191
$199
Child safety restraint
$1226
$208
Driving without lights
$1226
$204
Failure to wear a seat belt
$1226
$208
Driving with expired registration
$1249
$208
Cell phone violation
$1288
$219
Texting while driving
$1288
$215
Wrong way/wrong lane
$1288
$219
Driving too slowly
$1294
$216
Failure to yield
$1294
$220
Following too closely
$1294
$216
Illegal turn
$1294
$220
Speeding 6 - 10 MPH over limit
$1294
$216
Failure to stop at a red light
$1300
$221
Speeding 11 - 15 MPH over limit
$1300
$217
Speeding 16 - 20 MPH over limit
$1300
$221
Speeding in school zone
$1300
$217
Improper passing
$1306
$222
In 65 MPH zone
$1352
$226
Speeding 21 - 25 MPH over limit
$1375
$233
Passing school bus
$1380
$230
At-fault accident - less than $1000
$1454
$248
Operating a vehicle without permission
$1523
$253
At-fault accident - $1000-$2000
$1563
$266
Open container
$1573
$262
At-fault accident - greater than $2000
$1585
$270
Reckless driving
$1961
$327
Driving with a suspended license
$1973
$335
Refusal to submit to a chemical test
$1973
$329
DUI
$1990
$338
Racing
$1990
$332
Leaving scene of an accident/hit and run
$2076
$353
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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 Garrison 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 Garrison.
The cheapest car insurance premiums in
Garrison are
offered by Utah Farm Bureau at $353 for a six-month policy.
However, it can be as
expensive as $3142 with companies
like State Farm.
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 Garrison are offered by Farmers Union Insurance
at $239. However,
it can be as expensive as $2606
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Garrison after Speeding ticket
Car insurance rates in Garrison have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Garrison remained steady at $205 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Garrison remained steady at $65 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Garrison by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Garrison. At $1827 for a
six-month policy, insuring
your car at 84728 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Garrison?
The car insurance in Garrison is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Garrison?
The cheapest car insurance in Garrison
is $70 per month
for full coverage.
How much is car insurance in Garrison for teenagers?
Car insurance for teenagers costs $297 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
Garrison?
The average cost of car insurance is $952 for a six-month
policy. It will cost around $154 per month to insure your
car in Garrison.
Is car insurance expensive in Garrison?
Car insurance can be expensive in Garrison if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Garrison can be
affordable.
What is the best car insurance in Garrison,
UT?
The best car insurance company in Garrison
UT is
Farmers Union Insurance, offering $411 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Garrison, UT
Car Insurance Rates by State in the USA (2025 Update)
Garrison Car Insurance
