Cheapest Car Insurance Quotes in Hooper

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401,895 Policies Sold

Hooper Car Insurance

^$ 34

/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 Hooper

The car insurance rate in Hooper is $981 for a six-month policy, which is $29 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Hooper 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 Hooper

$981

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Hooper

1st place: Farmers Union Insurance

At $441 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 $471 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $606 for six months, making it the third cheapest auto insurance company in Hooper.

Hooper Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hooper, UT is Farmers Union Insurance, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $471.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2013 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hooper drivers find the best deals.

Cheap Car Insurance Companies in Hooper, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$441	$75
Auto-Owners Insurance Co	$471	$78
Nationwide	$606	$102
USAA	$661	$111
Progressive	$747	$126
American Family	$770	$130
Auto-Owners	$924	$156
Farm Bureau	$1028	$171
Allstate	$1401	$236
State Farm	$1731	$291
Farmers	$2013	$342

Key Takeaways

Way's key takeaways about car insurance in Hooper

The auto insurance costs in Hooper fall around $441 for six months.
The cheapest auto insurance company in Hooper is Farmers Union Insurance.
Teen drivers pay the highest rate in Hooper at $1283 per month.

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Cheapest Minimum Liability Car Insurance in Hooper

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 Hooper are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Hooper. Their Average 6 Month Premium is $202. Farmers is the most expensive at $1016 for the same period.

Cheapest Liability Coverage in Hooper, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$202	$34
USAA	$239	$40
Auto-Owners Insurance Co	$263	$44
Nationwide	$287	$48
Progressive	$337	$57
Auto-Owners	$373	$63
Farm Bureau	$416	$69
American Family	$435	$73
Allstate	$673	$113
State Farm	$795	$134
Farmers	$1016	$169

Cheapest Full Coverage Car Insurance in Hooper

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 Hooper is Farmers Union Insurance at $75 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hooper, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$441	$75
Auto-Owners Insurance Co	$471	$78
Nationwide	$606	$102
USAA	$661	$111
Progressive	$747	$126
American Family	$770	$130
Auto-Owners	$924	$156
Farm Bureau	$1028	$171
Allstate	$1401	$236
State Farm	$1731	$291
Farmers	$2013	$342

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Average Car Insurance in Hooper 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 Hooper, UT increasing?

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

Car Insurance Premiums by Age in Hooper

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 Hooper,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 Hooper at $53 per month. At $7702 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	$318	$53
Auto-Owners Insurance Co	$361	$62
Iowa Farm Bureau	$379	$63
Utah Farm Bureau	$410	$70
USAA	$1315	$221
Nationwide	$1523	$256
Auto-Owners	$1829	$308
Progressive	$2337	$393
Farm Bureau	$2766	$460
American Family	$2796	$471
Allstate	$4797	$808
State Farm	$6375	$1073
Farmers	$7702	$1283

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 Hooper, Nationwide is the cheapest car insurance provider. At $337 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 Hooper is State Farm, offering rates of around $2845 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$337	$58
Farmers Union Insurance	$373	$62
Kemper	$551	$94
Auto-Owners Insurance Co	$630	$105
Progressive	$881	$148
American Family	$1059	$178
USAA	$1401	$238
Farmers	$1921	$323
Farm Bureau	$1933	$329
Auto-Owners	$2337	$389
Allstate	$2508	$426
State Farm	$2845	$474

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Car Insurance Rates with An Accident in Hooper

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

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

The cheapest car insurance companies after an at-fault accident in Hooper include Farmers Union Insurance and AutoOwners Insurance Co, offering $324 and $435, respectively. Farmers is an expensive provider with an average six-month premium of $3016.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$324	$54
Auto-Owners Insurance Co	$435	$74
Utah Farm Bureau	$514	$85
Encompass	$569	$97
USAA	$655	$110
Nationwide	$716	$121
Progressive	$789	$133
Auto-Owners	$1034	$174
American Family	$1040	$175
Farm Bureau	$1584	$270
Allstate	$1964	$331
State Farm	$2196	$370
Farmers	$3016	$503

Hooper Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hooper UT. For example, the car insurance in Hooper after a DUI increases to $1009 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Hooper auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1126	$187
One Med/PIP claim	$1132	$193
Not-at-fault accident	$1157	$193
One comp claim	$1157	$197
Two Med/PIP claims	$1157	$193
Two comp claims	$1169	$199
Failure to show documents	$1278	$213
Child safety restraint	$1315	$224
Driving without lights	$1315	$219
Failure to wear a seat belt	$1315	$224
Driving with expired registration	$1340	$224
Cell phone violation	$1382	$235
Texting while driving	$1382	$231
Wrong way/wrong lane	$1382	$235
Driving too slowly	$1388	$232
Failure to yield	$1388	$236
Following too closely	$1388	$232
Illegal turn	$1388	$236
Speeding 6 - 10 MPH over limit	$1388	$232
Failure to stop at a red light	$1395	$237
Speeding 11 - 15 MPH over limit	$1395	$233
Speeding 16 - 20 MPH over limit	$1395	$237
Speeding in school zone	$1395	$233
Improper passing	$1401	$238
In 65 MPH zone	$1450	$242
Speeding 21 - 25 MPH over limit	$1475	$250
Passing school bus	$1480	$247
At-fault accident - less than $1000	$1560	$266
Operating a vehicle without permission	$1634	$272
At-fault accident - $1000-$2000	$1677	$285
Open container	$1688	$281
At-fault accident - greater than $2000	$1701	$289
Reckless driving	$2104	$351
Driving with a suspended license	$2117	$359
Refusal to submit to a chemical test	$2117	$353
DUI	$2135	$363
Racing	$2135	$356
Leaving scene of an accident/hit and run	$2227	$379

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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 Hooper 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 Hooper.

The cheapest car insurance premiums in Hooper are offered by Utah Farm Bureau at $379 for a six-month policy. However, it can be as expensive as $3371 with companies like State Farm.

Hooper car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$379	$65
Farmers Union Insurance	$410	$68
Kemper	$471	$80
Progressive	$679	$114
USAA	$997	$168
Nationwide	$1120	$188
American Family	$1132	$191
Farm Bureau	$1163	$194
Allstate	$1486	$250
Auto-Owners	$2264	$377
Farmers	$2710	$460
State Farm	$3371	$568

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 Hooper are offered by Farmers Union Insurance at $256. However, it can be as expensive as $2796 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hooper after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$256	$43
Nationwide	$263	$44
Auto-Owners Insurance Co	$355	$61
Progressive	$697	$117
American Family	$795	$134
USAA	$832	$139
Auto-Owners	$863	$146
Farm Bureau	$1163	$194
State Farm	$1505	$255
Allstate	$1579	$263
Farmers	$2796	$476

Car Insurance Price Trends in Hooper, Utah

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

The average cost of full coverage in the Hooper remained steady at $220 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hooper remained steady at $70 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 Hooper?

The car insurance in Hooper is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Hooper?

The cheapest car insurance in Hooper is $75 per month for full coverage.

How much is car insurance in Hooper for teenagers?

Car insurance for teenagers costs $318 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 Hooper?

The average cost of car insurance is $952 for a six-month policy. It will cost around $165 per month to insure your car in Hooper.

Is car insurance expensive in Hooper?

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

What is the best car insurance in Hooper, UT?

The best car insurance company in Hooper UT is Farmers Union Insurance, offering $441 for a six-month policy.