Cheapest Car Insurance Quotes in Millcreek

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401,895 Policies Sold

Millcreek Car Insurance

^$ 38

/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 Millcreek

The car insurance rate in Millcreek is $1095 for a six-month policy, which is $143 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Millcreek 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 Millcreek

$1095

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Millcreek

1st place: Farmers Union Insurance

At $492 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $676 for six months, making it the third cheapest auto insurance company in Millcreek.

Millcreek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Millcreek, UT is Farmers Union Insurance, offering policies at just $492 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $526.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2247 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Millcreek drivers find the best deals.

Cheap Car Insurance Companies in Millcreek, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$492	$84
Auto-Owners Insurance Co	$526	$87
Nationwide	$676	$114
USAA	$738	$124
Progressive	$834	$140
American Family	$860	$145
Auto-Owners	$1032	$174
Farm Bureau	$1148	$191
Allstate	$1564	$263
State Farm	$1933	$325
Farmers	$2247	$382

Key Takeaways

Way's key takeaways about car insurance in Millcreek

The auto insurance costs in Millcreek fall around $492 for six months.
The cheapest auto insurance company in Millcreek is Farmers Union Insurance.
Teen drivers pay the highest rate in Millcreek at $1433 per month.

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Cheapest Minimum Liability Car Insurance in Millcreek

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 Millcreek are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Millcreek. Their Average 6 Month Premium is $225. Farmers is the most expensive at $1134 for the same period.

Cheapest Liability Coverage in Millcreek, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$225	$38
USAA	$267	$45
Auto-Owners Insurance Co	$293	$49
Nationwide	$321	$54
Progressive	$376	$63
Auto-Owners	$416	$70
Farm Bureau	$465	$77
American Family	$485	$82
Allstate	$751	$126
State Farm	$888	$150
Farmers	$1134	$189

Cheapest Full Coverage Car Insurance in Millcreek

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 Millcreek is Farmers Union Insurance at $84 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Millcreek, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$492	$84
Auto-Owners Insurance Co	$526	$87
Nationwide	$676	$114
USAA	$738	$124
Progressive	$834	$140
American Family	$860	$145
Auto-Owners	$1032	$174
Farm Bureau	$1148	$191
Allstate	$1564	$263
State Farm	$1933	$325
Farmers	$2247	$382

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Average Car Insurance in Millcreek 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 Millcreek, UT increasing?

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

Car Insurance Premiums by Age in Millcreek

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 Millcreek,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 Millcreek at $59 per month. At $8600 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	$355	$59
Auto-Owners Insurance Co	$402	$69
Iowa Farm Bureau	$423	$70
Utah Farm Bureau	$458	$78
USAA	$1469	$247
Nationwide	$1701	$286
Auto-Owners	$2042	$344
Progressive	$2609	$439
Farm Bureau	$3088	$514
American Family	$3122	$526
Allstate	$5356	$902
State Farm	$7117	$1198
Farmers	$8600	$1433

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 Millcreek, Nationwide is the cheapest car insurance provider. At $376 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 Millcreek is State Farm, offering rates of around $3176 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$376	$64
Farmers Union Insurance	$416	$69
Kemper	$615	$105
Auto-Owners Insurance Co	$704	$117
Progressive	$983	$166
American Family	$1182	$199
USAA	$1564	$266
Farmers	$2145	$361
Farm Bureau	$2159	$367
Auto-Owners	$2609	$435
Allstate	$2800	$476
State Farm	$3176	$529

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Car Insurance Rates with An Accident in Millcreek

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

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

The cheapest car insurance companies after an at-fault accident in Millcreek include Farmers Union Insurance and AutoOwners Insurance Co, offering $362 and $485, respectively. Farmers is an expensive provider with an average six-month premium of $3367.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$362	$60
Auto-Owners Insurance Co	$485	$83
Utah Farm Bureau	$574	$95
Encompass	$635	$108
USAA	$731	$123
Nationwide	$799	$135
Progressive	$881	$148
Auto-Owners	$1155	$194
American Family	$1162	$195
Farm Bureau	$1769	$301
Allstate	$2193	$369
State Farm	$2452	$413
Farmers	$3367	$561

Millcreek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Millcreek UT. For example, the car insurance in Millcreek after a DUI increases to $1127 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Millcreek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1257	$209
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1291	$215
One comp claim	$1291	$220
Two Med/PIP claims	$1291	$215
Two comp claims	$1305	$222
Failure to show documents	$1427	$238
Child safety restraint	$1469	$250
Driving without lights	$1469	$245
Failure to wear a seat belt	$1469	$250
Driving with expired registration	$1496	$250
Cell phone violation	$1543	$262
Texting while driving	$1543	$258
Wrong way/wrong lane	$1543	$262
Driving too slowly	$1550	$259
Failure to yield	$1550	$263
Following too closely	$1550	$259
Illegal turn	$1550	$263
Speeding 6 - 10 MPH over limit	$1550	$259
Failure to stop at a red light	$1557	$265
Speeding 11 - 15 MPH over limit	$1557	$260
Speeding 16 - 20 MPH over limit	$1557	$265
Speeding in school zone	$1557	$260
Improper passing	$1564	$266
In 65 MPH zone	$1619	$270
Speeding 21 - 25 MPH over limit	$1647	$279
Passing school bus	$1653	$276
At-fault accident - less than $1000	$1742	$297
Operating a vehicle without permission	$1824	$304
At-fault accident - $1000-$2000	$1872	$319
Open container	$1885	$314
At-fault accident - greater than $2000	$1899	$323
Reckless driving	$2349	$392
Driving with a suspended license	$2363	$401
Refusal to submit to a chemical test	$2363	$394
DUI	$2384	$405
Racing	$2384	$398
Leaving scene of an accident/hit and run	$2486	$423

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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 Millcreek 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 Millcreek.

The cheapest car insurance premiums in Millcreek are offered by Utah Farm Bureau at $423 for a six-month policy. However, it can be as expensive as $3764 with companies like State Farm.

Millcreek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$423	$72
Farmers Union Insurance	$458	$76
Kemper	$526	$90
Progressive	$758	$128
USAA	$1113	$187
Nationwide	$1250	$210
American Family	$1264	$213
Farm Bureau	$1298	$216
Allstate	$1659	$279
Auto-Owners	$2528	$421
Farmers	$3026	$514
State Farm	$3764	$634

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 Millcreek are offered by Farmers Union Insurance at $286. However, it can be as expensive as $3122 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Millcreek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$286	$48
Nationwide	$293	$49
Auto-Owners Insurance Co	$397	$68
Progressive	$779	$131
American Family	$888	$150
USAA	$929	$155
Auto-Owners	$964	$163
Farm Bureau	$1298	$216
State Farm	$1680	$285
Allstate	$1763	$293
Farmers	$3122	$531

Car Insurance Price Trends in Millcreek, Utah

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

The average cost of full coverage in the Millcreek remained steady at $246 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Millcreek remained steady at $78 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

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Ezra Peterson

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Frequently Asked Questions

How much is car insurance in Millcreek?

The car insurance in Millcreek is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Millcreek?

The cheapest car insurance in Millcreek is $84 per month for full coverage.

How much is car insurance in Millcreek for teenagers?

Car insurance for teenagers costs $355 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 Millcreek?

The average cost of car insurance is $952 for a six-month policy. It will cost around $184 per month to insure your car in Millcreek.

Is car insurance expensive in Millcreek?

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

What is the best car insurance in Millcreek, UT?

The best car insurance company in Millcreek UT is Farmers Union Insurance, offering $492 for a six-month policy.