Cheapest Car Insurance Quotes in Mount Pleasant

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Mount Pleasant Car Insurance

^$ 33

/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 Mount Pleasant

The car insurance rate in Mount Pleasant is $942 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Mount Pleasant 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 Mount Pleasant

$942

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Mount Pleasant

1st place: Farmers Union Insurance

At $424 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 $452 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Mount Pleasant.

Mount Pleasant Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Pleasant, UT is Farmers Union Insurance, offering policies at just $424 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $452.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Pleasant drivers find the best deals.

Cheap Car Insurance Companies in Mount Pleasant, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$424	$72
Auto-Owners Insurance Co	$452	$75
Nationwide	$582	$98
USAA	$636	$107
Progressive	$718	$121
American Family	$741	$125
Auto-Owners	$888	$149
Farm Bureau	$988	$164
Allstate	$1346	$227
State Farm	$1664	$280
Farmers	$1934	$329

Key Takeaways

Way's key takeaways about car insurance in Mount Pleasant

The auto insurance costs in Mount Pleasant fall around $424 for six months.
The cheapest auto insurance company in Mount Pleasant is Farmers Union Insurance.
Teen drivers pay the highest rate in Mount Pleasant at $1234 per month.

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Cheapest Minimum Liability Car Insurance in Mount Pleasant

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 Pleasant are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Mount Pleasant. Their Average 6 Month Premium is $194. Farmers is the most expensive at $976 for the same period.

Cheapest Liability Coverage in Mount Pleasant, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$194	$33
USAA	$230	$39
Auto-Owners Insurance Co	$252	$43
Nationwide	$276	$47
Progressive	$324	$54
Auto-Owners	$358	$60
Farm Bureau	$400	$66
American Family	$418	$70
Allstate	$646	$109
State Farm	$764	$129
Farmers	$976	$162

Cheapest Full Coverage Car Insurance in Mount Pleasant

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 Pleasant is Farmers Union Insurance at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Pleasant, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$424	$72
Auto-Owners Insurance Co	$452	$75
Nationwide	$582	$98
USAA	$636	$107
Progressive	$718	$121
American Family	$741	$125
Auto-Owners	$888	$149
Farm Bureau	$988	$164
Allstate	$1346	$227
State Farm	$1664	$280
Farmers	$1934	$329

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Average Car Insurance in Mount Pleasant 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 Pleasant, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Pleasant, 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 Pleasant'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 Pleasant

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 Mount Pleasant,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 Pleasant at $50 per month. At $7403 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	$306	$50
Auto-Owners Insurance Co	$347	$59
Iowa Farm Bureau	$364	$60
Utah Farm Bureau	$394	$67
USAA	$1264	$213
Nationwide	$1464	$247
Auto-Owners	$1758	$296
Progressive	$2246	$378
Farm Bureau	$2658	$443
American Family	$2688	$452
Allstate	$4610	$776
State Farm	$6127	$1032
Farmers	$7403	$1234

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 Mount Pleasant, Nationwide is the cheapest car insurance provider. At $324 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 Pleasant is State Farm, offering rates of around $2734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$324	$55
Farmers Union Insurance	$358	$59
Kemper	$530	$90
Auto-Owners Insurance Co	$606	$101
Progressive	$846	$143
American Family	$1018	$171
USAA	$1346	$229
Farmers	$1846	$311
Farm Bureau	$1858	$316
Auto-Owners	$2246	$374
Allstate	$2411	$410
State Farm	$2734	$455

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Car Insurance Rates with An Accident in Mount Pleasant

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Pleasant

The cheapest car insurance companies after an at-fault accident in Mount Pleasant include Farmers Union Insurance and AutoOwners Insurance Co, offering $312 and $418, respectively. Farmers is an expensive provider with an average six-month premium of $2899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$312	$51
Auto-Owners Insurance Co	$418	$71
Utah Farm Bureau	$494	$82
Encompass	$546	$93
USAA	$630	$106
Nationwide	$688	$116
Progressive	$758	$128
Auto-Owners	$994	$167
American Family	$1000	$168
Farm Bureau	$1523	$259
Allstate	$1888	$318
State Farm	$2111	$355
Farmers	$2899	$483

Mount Pleasant Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Pleasant UT. For example, the car insurance in Mount Pleasant after a DUI increases to $970 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Mount Pleasant auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1082	$180
One Med/PIP claim	$1088	$185
Not-at-fault accident	$1112	$185
One comp claim	$1112	$189
Two Med/PIP claims	$1112	$185
Two comp claims	$1124	$191
Failure to show documents	$1229	$205
Child safety restraint	$1264	$215
Driving without lights	$1264	$211
Failure to wear a seat belt	$1264	$215
Driving with expired registration	$1288	$215
Cell phone violation	$1329	$226
Texting while driving	$1329	$222
Wrong way/wrong lane	$1329	$226
Driving too slowly	$1335	$223
Failure to yield	$1335	$227
Following too closely	$1335	$223
Illegal turn	$1335	$227
Speeding 6 - 10 MPH over limit	$1335	$223
Failure to stop at a red light	$1340	$228
Speeding 11 - 15 MPH over limit	$1340	$224
Speeding 16 - 20 MPH over limit	$1340	$228
Speeding in school zone	$1340	$224
Improper passing	$1346	$229
In 65 MPH zone	$1394	$233
Speeding 21 - 25 MPH over limit	$1418	$241
Passing school bus	$1423	$238
At-fault accident - less than $1000	$1500	$255
Operating a vehicle without permission	$1570	$261
At-fault accident - $1000-$2000	$1612	$274
Open container	$1623	$270
At-fault accident - greater than $2000	$1634	$278
Reckless driving	$2023	$338
Driving with a suspended license	$2034	$346
Refusal to submit to a chemical test	$2034	$340
DUI	$2052	$348
Racing	$2052	$343
Leaving scene of an accident/hit and run	$2140	$364

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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 Mount Pleasant 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 Pleasant.

The cheapest car insurance premiums in Mount Pleasant are offered by Utah Farm Bureau at $364 for a six-month policy. However, it can be as expensive as $3240 with companies like State Farm.

Mount Pleasant car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$364	$62
Farmers Union Insurance	$394	$65
Kemper	$452	$77
Progressive	$652	$110
USAA	$958	$161
Nationwide	$1076	$181
American Family	$1088	$183
Farm Bureau	$1118	$186
Allstate	$1429	$241
Auto-Owners	$2176	$362
Farmers	$2605	$443
State Farm	$3240	$545

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 Mount Pleasant are offered by Farmers Union Insurance at $247. However, it can be as expensive as $2688 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Pleasant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$247	$42
Nationwide	$252	$43
Auto-Owners Insurance Co	$342	$58
Progressive	$670	$113
American Family	$764	$129
USAA	$800	$134
Auto-Owners	$830	$141
Farm Bureau	$1118	$186
State Farm	$1446	$246
Allstate	$1518	$252
Farmers	$2688	$457

Car Insurance Price Trends in Mount Pleasant, Utah

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

The average cost of full coverage in the Mount Pleasant remained steady at $212 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mount Pleasant remained steady at $67 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 Mount Pleasant?

The car insurance in Mount Pleasant is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Pleasant?

The cheapest car insurance in Mount Pleasant is $72 per month for full coverage.

How much is car insurance in Mount Pleasant for teenagers?

Car insurance for teenagers costs $306 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 Pleasant?

The average cost of car insurance is $952 for a six-month policy. It will cost around $158 per month to insure your car in Mount Pleasant.

Is car insurance expensive in Mount Pleasant?

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

What is the best car insurance in Mount Pleasant, UT?

The best car insurance company in Mount Pleasant UT is Farmers Union Insurance, offering $424 for a six-month policy.