Cheapest Car Insurance Quotes in Junction

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Junction Car Insurance

^$ 32

/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 Junction

The car insurance rate in Junction 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 Junction 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 Junction

$914

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Junction

1st place: Farmers Union Insurance

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 Junction.

Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Junction, 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 Junction drivers find the best deals.

Cheap Car Insurance Companies in Junction, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$411	$70
Auto-Owners Insurance Co	$439	$73
Nationwide	$564	$95
USAA	$616	$104
Progressive	$696	$117
American Family	$718	$121
Auto-Owners	$861	$145
Farm Bureau	$958	$159
Allstate	$1306	$220
State Farm	$1614	$272
Farmers	$1876	$319

Key Takeaways

Way's key takeaways about car insurance in Junction

The auto insurance costs in Junction fall around $411 for six months.
The cheapest auto insurance company in Junction is Farmers Union Insurance.
Teen drivers pay the highest rate in Junction at $1196 per month.

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Cheapest Minimum Liability Car Insurance in Junction

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 Junction are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Junction. Their Average 6 Month Premium is $188. Farmers is the most expensive at $947 for the same period.

Cheapest Liability Coverage in Junction, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$188	$32
USAA	$223	$37
Auto-Owners Insurance Co	$245	$41
Nationwide	$268	$45
Progressive	$314	$53
Auto-Owners	$348	$59
Farm Bureau	$388	$64
American Family	$405	$68
Allstate	$627	$106
State Farm	$741	$125
Farmers	$947	$157

Cheapest Full Coverage Car Insurance in Junction

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 Junction is Farmers Union Insurance at $70 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Junction, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$411	$70
Auto-Owners Insurance Co	$439	$73
Nationwide	$564	$95
USAA	$616	$104
Progressive	$696	$117
American Family	$718	$121
Auto-Owners	$861	$145
Farm Bureau	$958	$159
Allstate	$1306	$220
State Farm	$1614	$272
Farmers	$1876	$319

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Average Car Insurance in Junction 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 Junction, UT increasing?

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

Car Insurance Premiums by Age in Junction

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 Junction,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 Junction at $49 per month. At $7179 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	$297	$49
Auto-Owners Insurance Co	$336	$58
Iowa Farm Bureau	$353	$59
Utah Farm Bureau	$382	$65
USAA	$1226	$206
Nationwide	$1420	$239
Auto-Owners	$1705	$287
Progressive	$2178	$367
Farm Bureau	$2578	$429
American Family	$2606	$439
Allstate	$4471	$753
State Farm	$5941	$1000
Farmers	$7179	$1196

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 Junction, 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 Junction is State Farm, offering rates of around $2652 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$314	$54
Farmers Union Insurance	$348	$58
Kemper	$514	$87
Auto-Owners Insurance Co	$588	$98
Progressive	$821	$138
American Family	$987	$166
USAA	$1306	$222
Farmers	$1790	$301
Farm Bureau	$1802	$306
Auto-Owners	$2178	$363
Allstate	$2338	$397
State Farm	$2652	$442

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Car Insurance Rates with An Accident in Junction

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

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

The cheapest car insurance companies after an at-fault accident in Junction 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$302	$50
Auto-Owners Insurance Co	$405	$69
Utah Farm Bureau	$479	$80
Encompass	$530	$90
USAA	$611	$103
Nationwide	$667	$112
Progressive	$735	$124
Auto-Owners	$964	$162
American Family	$970	$163
Farm Bureau	$1476	$252
Allstate	$1831	$308
State Farm	$2047	$345
Farmers	$2811	$468

Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Junction UT. For example, the car insurance in Junction 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.

Junction 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 Junction 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 Junction.

The cheapest car insurance premiums in Junction 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.

Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$353	$60
Farmers Union Insurance	$382	$63
Kemper	$439	$75
Progressive	$633	$107
USAA	$929	$156
Nationwide	$1044	$176
American Family	$1055	$178
Farm Bureau	$1084	$180
Allstate	$1385	$233
Auto-Owners	$2110	$351
Farmers	$2526	$429
State Farm	$3142	$529

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 Junction 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 Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$239	$40
Nationwide	$245	$41
Auto-Owners Insurance Co	$331	$57
Progressive	$650	$109
American Family	$741	$125
USAA	$776	$130
Auto-Owners	$804	$136
Farm Bureau	$1084	$180
State Farm	$1403	$238
Allstate	$1472	$245
Farmers	$2606	$444

Car Insurance Price Trends in Junction, Utah

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

The average cost of full coverage in the Junction 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 Junction remained steady at $65 in both December and November, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Junction?

The car insurance in Junction is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Junction?

The cheapest car insurance in Junction is $70 per month for full coverage.

How much is car insurance in Junction 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 Junction?

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 Junction.

Is car insurance expensive in Junction?

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

What is the best car insurance in Junction, UT?

The best car insurance company in Junction UT is Farmers Union Insurance, offering $411 for a six-month policy.