Cheapest Car Insurance Quotes in Kearns

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Kearns Car Insurance

^$ 41

/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 $1190 for a six-month policy, which is $238 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, 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

$1190

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Kearns

1st place: Farmers Union Insurance

At $535 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 $571 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $735 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 $535 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $571.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2443 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	$535	$91
Auto-Owners Insurance Co	$571	$95
Nationwide	$735	$124
USAA	$803	$135
Progressive	$906	$153
American Family	$935	$158
Auto-Owners	$1121	$189
Farm Bureau	$1248	$208
Allstate	$1700	$286
State Farm	$2101	$354
Farmers	$2443	$415

Key Takeaways

Way's key takeaways about car insurance in Kearns

The auto insurance costs in Kearns fall around $535 for six months.
The cheapest auto insurance company in Kearns is Farmers Union Insurance.
Teen drivers pay the highest rate in Kearns at $1558 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 $245. Farmers is the most expensive at $1233 for the same period.

Cheapest Liability Coverage in Kearns, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$245	$41
USAA	$290	$49
Auto-Owners Insurance Co	$319	$54
Nationwide	$349	$59
Progressive	$409	$69
Auto-Owners	$453	$76
Farm Bureau	$505	$84
American Family	$528	$89
Allstate	$816	$138
State Farm	$965	$163
Farmers	$1233	$205

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 $91 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kearns, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$535	$91
Auto-Owners Insurance Co	$571	$95
Nationwide	$735	$124
USAA	$803	$135
Progressive	$906	$153
American Family	$935	$158
Auto-Owners	$1121	$189
Farm Bureau	$1248	$208
Allstate	$1700	$286
State Farm	$2101	$354
Farmers	$2443	$415

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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 $64 per month. At $9348 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	$386	$64
Auto-Owners Insurance Co	$438	$75
Iowa Farm Bureau	$460	$76
Utah Farm Bureau	$498	$85
USAA	$1596	$269
Nationwide	$1849	$311
Auto-Owners	$2220	$374
Progressive	$2836	$478
Farm Bureau	$3356	$559
American Family	$3394	$571
Allstate	$5821	$980
State Farm	$7736	$1303
Farmers	$9348	$1558

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 $409 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 $3453 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$409	$70
Farmers Union Insurance	$453	$75
Kemper	$669	$114
Auto-Owners Insurance Co	$765	$128
Progressive	$1069	$180
American Family	$1285	$216
USAA	$1700	$289
Farmers	$2331	$393
Farm Bureau	$2346	$399
Auto-Owners	$2836	$473
Allstate	$3044	$518
State Farm	$3453	$575

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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 $394 and $528, respectively. Farmers is an expensive provider with an average six-month premium of $3660.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$394	$65
Auto-Owners Insurance Co	$528	$90
Utah Farm Bureau	$624	$104
Encompass	$690	$118
USAA	$795	$134
Nationwide	$869	$146
Progressive	$958	$161
Auto-Owners	$1255	$211
American Family	$1263	$213
Farm Bureau	$1923	$328
Allstate	$2384	$401
State Farm	$2665	$449
Farmers	$3660	$610

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 $1225 for a six month policy. While the rate increases by $319 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	$1366	$228
One Med/PIP claim	$1374	$234
Not-at-fault accident	$1404	$234
One comp claim	$1404	$239
Two Med/PIP claims	$1404	$234
Two comp claims	$1419	$241
Failure to show documents	$1551	$259
Child safety restraint	$1596	$271
Driving without lights	$1596	$266
Failure to wear a seat belt	$1596	$271
Driving with expired registration	$1626	$271
Cell phone violation	$1678	$285
Texting while driving	$1678	$280
Wrong way/wrong lane	$1678	$285
Driving too slowly	$1685	$281
Failure to yield	$1685	$286
Following too closely	$1685	$281
Illegal turn	$1685	$286
Speeding 6 - 10 MPH over limit	$1685	$281
Failure to stop at a red light	$1693	$288
Speeding 11 - 15 MPH over limit	$1693	$283
Speeding 16 - 20 MPH over limit	$1693	$288
Speeding in school zone	$1693	$283
Improper passing	$1700	$289
In 65 MPH zone	$1760	$294
Speeding 21 - 25 MPH over limit	$1790	$304
Passing school bus	$1796	$300
At-fault accident - less than $1000	$1894	$323
Operating a vehicle without permission	$1983	$330
At-fault accident - $1000-$2000	$2035	$346
Open container	$2049	$341
At-fault accident - greater than $2000	$2064	$351
Reckless driving	$2554	$426
Driving with a suspended license	$2569	$436
Refusal to submit to a chemical test	$2569	$429
DUI	$2591	$440
Racing	$2591	$433
Leaving scene of an accident/hit and run	$2703	$460

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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 $460 for a six-month policy. However, it can be as expensive as $4091 with companies like State Farm.

Kearns car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$460	$79
Farmers Union Insurance	$498	$83
Kemper	$571	$98
Progressive	$824	$139
USAA	$1210	$204
Nationwide	$1359	$229
American Family	$1374	$231
Farm Bureau	$1411	$235
Allstate	$1804	$304
Auto-Owners	$2748	$458
Farmers	$3289	$559
State Farm	$4091	$689

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 $311. However, it can be as expensive as $3394 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	$311	$53
Nationwide	$319	$54
Auto-Owners Insurance Co	$431	$74
Progressive	$846	$143
American Family	$965	$163
USAA	$1010	$169
Auto-Owners	$1048	$178
Farm Bureau	$1411	$235
State Farm	$1826	$310
Allstate	$1916	$319
Farmers	$3394	$578

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 $268 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kearns remained steady at $85 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 Kearns?

The car insurance in Kearns is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Kearns?

The cheapest car insurance in Kearns is $91 per month for full coverage.

How much is car insurance in Kearns for teenagers?

Car insurance for teenagers costs $386 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 $952 for a six-month policy. It will cost around $200 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 $535 for a six-month policy.