We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Mount Carmel shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mount Carmel
The car insurance rate in Mount Carmel is $1014 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, making it a popular choice for budget-conscious drivers. Rates in Mount Carmel 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.
At $407 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 $434 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $559
for six months, making it
the third cheapest auto insurance company in Mount Carmel.
Mount Carmel Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mount Carmel, UT is Farmers Union Insurance, offering policies at just $407 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $434.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Carmel drivers find the best deals.
Way's key takeaways about car insurance in Mount Carmel
The auto insurance costs in Mount Carmel fall around $407 for six
months.
The cheapest auto insurance company in Mount Carmel is Farmers Union Insurance.
Teen drivers pay the highest rate in Mount Carmel at $1400 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mount Carmel
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 Mount Carmel are given below.
Farmers Union Insurance provides
the cheapest minimum car insurance
coverage in Mount Carmel. Their Average 6 Month Premium is $186.
Farmers is the most
expensive at $2968 for the same
period.
Cheapest Full Coverage Car Insurance in Mount Carmel
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 Mount Carmel is Farmers Union Insurance
at $69 per month and $407
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mount Carmel,
UT
Get Your Car Insurance Quote in Mount Carmel
Instantly!
Average Car Insurance in Mount Carmel 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 Mount Carmel, UT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mount Carmel, 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, Mount Carmel's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mount Carmel
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Mount Carmel,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 Mount Carmel at $48
per
month. At $8403 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mount Carmel.
As young drivers face the highest rates in Mount Carmel, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Mount Carmel,
Nationwide is
the cheapest car insurance provider. At $311 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
Mount Carmel is State Farm, offering
rates of around $4182 for six
months.
Save up to $971/yr on car insurance rates in Mount Carmel.
Car Insurance Rates with An Accident in Mount Carmel
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 Mount Carmel, UT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mount Carmel
The cheapest car insurance companies after an at-fault accident in
Mount Carmel include Farmers Union Insurance
and AutoOwners Insurance Co, offering $299
and $401,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3307.
Here is a list of driving violations that can increase your car
insurance rates in Mount Carmel UT. For example, the car
insurance in Mount Carmel
after a DUI increases to $931 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Mount Carmel auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1038
$173
One Med/PIP claim
$1044
$178
Not-at-fault accident
$1067
$178
One comp claim
$1067
$181
Two Med/PIP claims
$1067
$178
Two comp claims
$1078
$183
Failure to show documents
$1179
$197
Child safety restraint
$1213
$206
Driving without lights
$1213
$202
Failure to wear a seat belt
$1213
$206
Driving with expired registration
$1236
$206
Cell phone violation
$1275
$217
Texting while driving
$1275
$213
Wrong way/wrong lane
$1275
$217
Driving too slowly
$1281
$214
Failure to yield
$1281
$218
Following too closely
$1281
$214
Illegal turn
$1281
$218
Speeding 6 - 10 MPH over limit
$1281
$214
Failure to stop at a red light
$1286
$219
Speeding 11 - 15 MPH over limit
$1286
$215
Speeding 16 - 20 MPH over limit
$1286
$219
Speeding in school zone
$1286
$215
Improper passing
$1292
$219
In 65 MPH zone
$1338
$223
Speeding 21 - 25 MPH over limit
$1360
$231
Passing school bus
$1365
$228
At-fault accident - less than $1000
$1439
$245
Operating a vehicle without permission
$1507
$251
At-fault accident - $1000-$2000
$1547
$263
Open container
$1557
$259
At-fault accident - greater than $2000
$1568
$267
Reckless driving
$1941
$324
Driving with a suspended license
$1952
$332
Refusal to submit to a chemical test
$1952
$326
DUI
$1969
$334
Racing
$1969
$329
Leaving scene of an accident/hit and run
$2054
$350
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Mount Carmel 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 Mount Carmel.
The cheapest car insurance premiums in
Mount Carmel are
offered by Utah Farm Bureau at $350 for a six-month policy.
However, it can be as
expensive as $3877 with companies
like State Farm.
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 Mount Carmel are offered by Farmers Union Insurance
at $237. However,
it can be as expensive as $3058
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mount Carmel after Speeding ticket
Car insurance rates in Mount Carmel have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mount Carmel rose by
$228 in January
compared to $203 of December. In other words, there has been an increase by $25 when you
compare January and December.
The average cost of liability insurance in the Mount Carmel rose to $156 in January,
compared to $65 in December.
This represents an increase of $91
when comparing January and December.
Average Car Insurance Cost in Mount Carmel by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mount Carmel. At $2027 for a
six-month policy, insuring
your car at 84755 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Mount Carmel?
The car insurance in Mount Carmel is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Mount Carmel?
The cheapest car insurance in Mount Carmel
is $69 per month
for full coverage.
How much is car insurance in Mount Carmel for teenagers?
Car insurance for teenagers costs $294 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
Mount Carmel?
The average cost of car insurance is $1067 for a six-month
policy. It will cost around $170 per month to insure your
car in Mount Carmel.
Is car insurance expensive in Mount Carmel?
Car insurance can be expensive in Mount Carmel if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mount Carmel can be
affordable.
What is the best car insurance in Mount Carmel,
UT?
The best car insurance company in Mount Carmel
UT is
Farmers Union Insurance, offering $407 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Mount Carmel right now.
Find Car Insurance Rates in Cities Near Mount Carmel, UT
Car Insurance Rates by State in the USA (2025 Update)
Mount Carmel Car Insurance
