Cheapest Car Insurance Quotes in Kearns

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Kearns Car Insurance

^$ 44

/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 Kearns

The car insurance rate in Kearns is $1408 for a six-month policy, which is $341 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, making it a popular choice for budget-conscious drivers. Rates in Kearns 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 Kearns

$1408

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Kearns

1st place: Farmers Union Insurance

At $565 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 $603 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $776 for six months, making it the third cheapest auto insurance company in Kearns.

Kearns Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kearns, UT is Farmers Union Insurance, offering policies at just $565 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $603.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3066 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kearns drivers find the best deals.

Cheap Car Insurance Companies in Kearns, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$565	$96
Auto-Owners Insurance Co	$603	$100
Nationwide	$776	$131
USAA	$886	$149
American Family	$1003	$169
Progressive	$1035	$174
Auto-Owners	$1254	$211
Farm Bureau	$1741	$290
Allstate	$1819	$306
State Farm	$2752	$463
Farmers	$3066	$521

Key Takeaways

Way's key takeaways about car insurance in Kearns

The auto insurance costs in Kearns fall around $565 for six months.
The cheapest auto insurance company in Kearns is Farmers Union Insurance.
Teen drivers pay the highest rate in Kearns at $1946 per month.

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Cheapest Minimum Liability Car Insurance in Kearns

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 Kearns are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Kearns. Their Average 6 Month Premium is $259. Farmers is the most expensive at $1325 for the same period.

Cheapest Liability Coverage in Kearns, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$259	$44
USAA	$322	$54
Auto-Owners Insurance Co	$337	$57
Nationwide	$368	$62
Progressive	$447	$75
Auto-Owners	$470	$79
American Family	$549	$92
Farm Bureau	$659	$112
Allstate	$824	$139
State Farm	$1254	$211
Farmers	$1325	$220

Cheapest Full Coverage Car Insurance in Kearns

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 Kearns is Farmers Union Insurance at $96 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kearns, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$565	$96
Auto-Owners Insurance Co	$603	$100
Nationwide	$776	$131
USAA	$886	$149
American Family	$1003	$169
Progressive	$1035	$174
Auto-Owners	$1254	$211
Farm Bureau	$1741	$290
Allstate	$1819	$306
State Farm	$2752	$463
Farmers	$3066	$521

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Average Car Insurance in Kearns 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 Kearns, UT increasing?

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

Car Insurance Premiums by Age in Kearns

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 Kearns,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 Kearns at $67 per month. At $11675 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	$408	$67
Auto-Owners Insurance Co	$462	$79
Iowa Farm Bureau	$486	$81
Utah Farm Bureau	$525	$90
USAA	$1771	$298
Nationwide	$1952	$329
Auto-Owners	$2533	$426
Progressive	$3105	$523
American Family	$3654	$615
Farm Bureau	$4579	$779
Allstate	$6209	$1045
State Farm	$9871	$1662
Farmers	$11675	$1946

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 Kearns, Nationwide is the cheapest car insurance provider. At $432 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 Kearns is State Farm, offering rates of around $5811 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$432	$74
Farmers Union Insurance	$478	$79
Kemper	$706	$120
Auto-Owners Insurance Co	$808	$135
Progressive	$1365	$230
American Family	$1395	$235
USAA	$2016	$343
Farmers	$2846	$479
Farm Bureau	$3278	$557
Allstate	$3317	$553
Auto-Owners	$3419	$581
State Farm	$5811	$969

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Car Insurance Rates with An Accident in Kearns

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

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

The cheapest car insurance companies after an at-fault accident in Kearns include Farmers Union Insurance and AutoOwners Insurance Co, offering $416 and $557, respectively. Farmers is an expensive provider with an average six-month premium of $4595.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$416	$69
Auto-Owners Insurance Co	$557	$95
Utah Farm Bureau	$659	$110
Encompass	$729	$124
USAA	$878	$148
Nationwide	$917	$154
Progressive	$1129	$190
American Family	$1349	$227
Auto-Owners	$1411	$238
Farm Bureau	$2689	$457
Allstate	$2705	$455
State Farm	$3192	$537
Farmers	$4595	$766

Kearns Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kearns UT. For example, the car insurance in Kearns after a DUI increases to $1293 for a six month policy. While the rate increases by $336 for a six-month policy in the case of a speeding ticket.

Kearns auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1443	$240
One Med/PIP claim	$1451	$247
Not-at-fault accident	$1482	$247
One comp claim	$1482	$252
Two Med/PIP claims	$1482	$247
Two comp claims	$1498	$255
Failure to show documents	$1638	$273
Child safety restraint	$1686	$286
Driving without lights	$1686	$281
Failure to wear a seat belt	$1686	$286
Driving with expired registration	$1717	$286
Cell phone violation	$1771	$301
Texting while driving	$1771	$296
Wrong way/wrong lane	$1771	$301
Driving too slowly	$1779	$297
Failure to yield	$1779	$302
Following too closely	$1779	$297
Illegal turn	$1779	$302
Speeding 6 - 10 MPH over limit	$1779	$297
Failure to stop at a red light	$1787	$304
Speeding 11 - 15 MPH over limit	$1787	$298
Speeding 16 - 20 MPH over limit	$1787	$304
Speeding in school zone	$1787	$298
Improper passing	$1795	$305
In 65 MPH zone	$1859	$310
Speeding 21 - 25 MPH over limit	$1890	$321
Passing school bus	$1897	$317
At-fault accident - less than $1000	$2000	$341
Operating a vehicle without permission	$2094	$348
At-fault accident - $1000-$2000	$2149	$366
Open container	$2163	$360
At-fault accident - greater than $2000	$2179	$371
Reckless driving	$2697	$450
Driving with a suspended license	$2713	$461
Refusal to submit to a chemical test	$2713	$453
DUI	$2736	$465
Racing	$2736	$457
Leaving scene of an accident/hit and run	$2854	$486

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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 Kearns 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 Kearns.

The cheapest car insurance premiums in Kearns are offered by Utah Farm Bureau at $486 for a six-month policy. However, it can be as expensive as $5387 with companies like State Farm.

Kearns car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$486	$83
Farmers Union Insurance	$525	$87
Kemper	$603	$103
Progressive	$1011	$170
USAA	$1349	$227
Nationwide	$1435	$242
American Family	$1482	$249
Allstate	$1929	$325
Farm Bureau	$1968	$335
Auto-Owners	$3254	$543
Farmers	$4124	$701
State Farm	$5387	$907

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 Kearns are offered by Farmers Union Insurance at $329. However, it can be as expensive as $4249 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Kearns after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$329	$55
Nationwide	$337	$57
Auto-Owners Insurance Co	$455	$78
American Family	$1051	$177
Progressive	$1168	$197
USAA	$1200	$199
Auto-Owners	$1254	$214
Farm Bureau	$1968	$327
Allstate	$2078	$354
State Farm	$3058	$510
Farmers	$4249	$722

Car Insurance Price Trends in Kearns, Utah

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

The average cost of full coverage in the Kearns remained steady at $317 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Kearns dipped to $92 in February, compared to $216 in January. This represents an decrease of $124 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Kearns?

The car insurance in Kearns is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Kearns?

The cheapest car insurance in Kearns is $96 per month for full coverage.

How much is car insurance in Kearns for teenagers?

Car insurance for teenagers costs $408 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 Kearns?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $236 per month to insure your car in Kearns.

Is car insurance expensive in Kearns?

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

What is the best car insurance in Kearns, UT?

The best car insurance company in Kearns UT is Farmers Union Insurance, offering $565 for a six-month policy.