Cheapest Car Insurance Quotes in River Heights

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River Heights 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 River Heights

The car insurance rate in River Heights is $1067 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in River Heights 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 River Heights

$1067

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in River Heights

1st place: Farmers Union Insurance

At $428 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 $457 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $588 for six months, making it the third cheapest auto insurance company in River Heights.

River Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in River Heights, UT is Farmers Union Insurance, offering policies at just $428 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $457.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help River Heights drivers find the best deals.

Cheap Car Insurance Companies in River Heights, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$428	$73
Auto-Owners Insurance Co	$457	$76
Nationwide	$588	$99
USAA	$671	$113
American Family	$760	$128
Progressive	$784	$132
Auto-Owners	$950	$160
Farm Bureau	$1319	$220
Allstate	$1378	$232
State Farm	$2085	$351
Farmers	$2323	$395

Key Takeaways

Way's key takeaways about car insurance in River Heights

The auto insurance costs in River Heights fall around $428 for six months.
The cheapest auto insurance company in River Heights is Farmers Union Insurance.
Teen drivers pay the highest rate in River Heights at $1474 per month.

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Cheapest Minimum Liability Car Insurance in River Heights

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 River Heights are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in River Heights. Their Average 6 Month Premium is $196. Farmers is the most expensive at $1004 for the same period.

Cheapest Liability Coverage in River Heights, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$196	$33
USAA	$244	$41
Auto-Owners Insurance Co	$255	$43
Nationwide	$279	$47
Progressive	$339	$57
Auto-Owners	$356	$60
American Family	$416	$70
Farm Bureau	$499	$85
Allstate	$624	$105
State Farm	$950	$160
Farmers	$1004	$167

Cheapest Full Coverage Car Insurance in River Heights

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 River Heights is Farmers Union Insurance at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in River Heights, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$428	$73
Auto-Owners Insurance Co	$457	$76
Nationwide	$588	$99
USAA	$671	$113
American Family	$760	$128
Progressive	$784	$132
Auto-Owners	$950	$160
Farm Bureau	$1319	$220
Allstate	$1378	$232
State Farm	$2085	$351
Farmers	$2323	$395

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Average Car Insurance in River Heights 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 River Heights, UT increasing?

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

Car Insurance Premiums by Age in River Heights

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 River Heights,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 River Heights at $51 per month. At $8845 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	$309	$51
Auto-Owners Insurance Co	$350	$60
Iowa Farm Bureau	$368	$61
Utah Farm Bureau	$398	$68
USAA	$1342	$226
Nationwide	$1479	$249
Auto-Owners	$1919	$323
Progressive	$2352	$396
American Family	$2768	$466
Farm Bureau	$3469	$590
Allstate	$4704	$792
State Farm	$7478	$1259
Farmers	$8845	$1474

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 River Heights, Nationwide is the cheapest car insurance provider. At $327 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 River Heights is State Farm, offering rates of around $4402 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$327	$56
Farmers Union Insurance	$362	$60
Kemper	$535	$91
Auto-Owners Insurance Co	$612	$102
Progressive	$1034	$174
American Family	$1057	$178
USAA	$1527	$260
Farmers	$2156	$363
Farm Bureau	$2483	$422
Allstate	$2513	$419
Auto-Owners	$2590	$440
State Farm	$4402	$734

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Car Insurance Rates with An Accident in River Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in River Heights

The cheapest car insurance companies after an at-fault accident in River Heights include Farmers Union Insurance and AutoOwners Insurance Co, offering $315 and $422, respectively. Farmers is an expensive provider with an average six-month premium of $3481.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$315	$52
Auto-Owners Insurance Co	$422	$72
Utah Farm Bureau	$499	$83
Encompass	$552	$94
USAA	$665	$112
Nationwide	$695	$117
Progressive	$855	$144
American Family	$1022	$172
Auto-Owners	$1069	$180
Farm Bureau	$2037	$346
Allstate	$2049	$345
State Farm	$2418	$407
Farmers	$3481	$580

River Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in River Heights UT. For example, the car insurance in River Heights after a DUI increases to $980 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

River Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1093	$182
One Med/PIP claim	$1099	$187
Not-at-fault accident	$1123	$187
One comp claim	$1123	$191
Two Med/PIP claims	$1123	$187
Two comp claims	$1135	$193
Failure to show documents	$1241	$207
Child safety restraint	$1277	$217
Driving without lights	$1277	$213
Failure to wear a seat belt	$1277	$217
Driving with expired registration	$1301	$217
Cell phone violation	$1342	$228
Texting while driving	$1342	$224
Wrong way/wrong lane	$1342	$228
Driving too slowly	$1348	$225
Failure to yield	$1348	$229
Following too closely	$1348	$225
Illegal turn	$1348	$229
Speeding 6 - 10 MPH over limit	$1348	$225
Failure to stop at a red light	$1354	$230
Speeding 11 - 15 MPH over limit	$1354	$226
Speeding 16 - 20 MPH over limit	$1354	$230
Speeding in school zone	$1354	$226
Improper passing	$1360	$231
In 65 MPH zone	$1408	$235
Speeding 21 - 25 MPH over limit	$1432	$243
Passing school bus	$1437	$240
At-fault accident - less than $1000	$1515	$258
Operating a vehicle without permission	$1586	$264
At-fault accident - $1000-$2000	$1628	$277
Open container	$1639	$273
At-fault accident - greater than $2000	$1651	$281
Reckless driving	$2043	$341
Driving with a suspended license	$2055	$349
Refusal to submit to a chemical test	$2055	$343
DUI	$2073	$352
Racing	$2073	$346
Leaving scene of an accident/hit and run	$2162	$368

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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 River Heights 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 River Heights.

The cheapest car insurance premiums in River Heights are offered by Utah Farm Bureau at $368 for a six-month policy. However, it can be as expensive as $4081 with companies like State Farm.

River Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$368	$63
Farmers Union Insurance	$398	$66
Kemper	$457	$78
Progressive	$766	$129
USAA	$1022	$172
Nationwide	$1087	$183
American Family	$1123	$189
Allstate	$1461	$246
Farm Bureau	$1491	$254
Auto-Owners	$2465	$411
Farmers	$3124	$531
State Farm	$4081	$687

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 River Heights are offered by Farmers Union Insurance at $249. However, it can be as expensive as $3219 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in River Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$249	$42
Nationwide	$255	$43
Auto-Owners Insurance Co	$345	$59
American Family	$796	$134
Progressive	$885	$149
USAA	$909	$151
Auto-Owners	$950	$162
Farm Bureau	$1491	$248
Allstate	$1574	$268
State Farm	$2317	$386
Farmers	$3219	$547

Car Insurance Price Trends in River Heights, Utah

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

The average cost of full coverage in the River Heights remained steady at $240 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the River Heights dipped to $70 in February, compared to $164 in January. This represents an decrease of $94 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in River Heights?

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

What is the cheapest car insurance in River Heights?

The cheapest car insurance in River Heights is $73 per month for full coverage.

How much is car insurance in River Heights for teenagers?

Car insurance for teenagers costs $309 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 River Heights?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $179 per month to insure your car in River Heights.

Is car insurance expensive in River Heights?

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

What is the best car insurance in River Heights, UT?

The best car insurance company in River Heights UT is Farmers Union Insurance, offering $428 for a six-month policy.