Cheapest Car Insurance Quotes in Riverdale

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Riverdale Car Insurance

^$ 35

/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 Riverdale

The car insurance rate in Riverdale is $1009 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Riverdale 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 Riverdale

$1009

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Riverdale

1st place: Farmers Union Insurance

At $454 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 $484 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $623 for six months, making it the third cheapest auto insurance company in Riverdale.

Riverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Riverdale, UT is Farmers Union Insurance, offering policies at just $454 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $484.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverdale drivers find the best deals.

Cheap Car Insurance Companies in Riverdale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$454	$77
Auto-Owners Insurance Co	$484	$81
Nationwide	$623	$105
USAA	$681	$114
Progressive	$769	$129
American Family	$793	$134
Auto-Owners	$951	$160
Farm Bureau	$1058	$176
Allstate	$1442	$243
State Farm	$1782	$300
Farmers	$2071	$352

Key Takeaways

Way's key takeaways about car insurance in Riverdale

The auto insurance costs in Riverdale fall around $454 for six months.
The cheapest auto insurance company in Riverdale is Farmers Union Insurance.
Teen drivers pay the highest rate in Riverdale at $1321 per month.

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Cheapest Minimum Liability Car Insurance in Riverdale

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 Riverdale are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Riverdale. Their Average 6 Month Premium is $208. Farmers is the most expensive at $1045 for the same period.

Cheapest Liability Coverage in Riverdale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$208	$35
USAA	$246	$41
Auto-Owners Insurance Co	$270	$46
Nationwide	$296	$50
Progressive	$347	$58
Auto-Owners	$384	$65
Farm Bureau	$428	$71
American Family	$447	$75
Allstate	$692	$117
State Farm	$818	$138
Farmers	$1045	$174

Cheapest Full Coverage Car Insurance in Riverdale

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 Riverdale is Farmers Union Insurance at $77 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverdale, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$454	$77
Auto-Owners Insurance Co	$484	$81
Nationwide	$623	$105
USAA	$681	$114
Progressive	$769	$129
American Family	$793	$134
Auto-Owners	$951	$160
Farm Bureau	$1058	$176
Allstate	$1442	$243
State Farm	$1782	$300
Farmers	$2071	$352

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Average Car Insurance in Riverdale 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 Riverdale, UT increasing?

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

Car Insurance Premiums by Age in Riverdale

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 Riverdale,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 Riverdale at $54 per month. At $7927 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	$328	$54
Auto-Owners Insurance Co	$371	$64
Iowa Farm Bureau	$390	$65
Utah Farm Bureau	$422	$72
USAA	$1354	$228
Nationwide	$1568	$264
Auto-Owners	$1883	$317
Progressive	$2405	$405
Farm Bureau	$2846	$474
American Family	$2878	$484
Allstate	$4936	$831
State Farm	$6560	$1105
Farmers	$7927	$1321

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 Riverdale, Nationwide is the cheapest car insurance provider. At $347 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 Riverdale is State Farm, offering rates of around $2928 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$347	$59
Farmers Union Insurance	$384	$64
Kemper	$567	$96
Auto-Owners Insurance Co	$649	$108
Progressive	$906	$153
American Family	$1090	$183
USAA	$1442	$245
Farmers	$1977	$333
Farm Bureau	$1990	$338
Auto-Owners	$2405	$401
Allstate	$2581	$439
State Farm	$2928	$488

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Car Insurance Rates with An Accident in Riverdale

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

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

The cheapest car insurance companies after an at-fault accident in Riverdale include Farmers Union Insurance and AutoOwners Insurance Co, offering $334 and $447, respectively. Farmers is an expensive provider with an average six-month premium of $3104.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$334	$55
Auto-Owners Insurance Co	$447	$76
Utah Farm Bureau	$529	$88
Encompass	$585	$100
USAA	$674	$113
Nationwide	$737	$124
Progressive	$812	$137
Auto-Owners	$1064	$179
American Family	$1071	$180
Farm Bureau	$1630	$278
Allstate	$2021	$340
State Farm	$2260	$381
Farmers	$3104	$517

Riverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Riverdale UT. For example, the car insurance in Riverdale after a DUI increases to $1038 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Riverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1159	$193
One Med/PIP claim	$1165	$198
Not-at-fault accident	$1190	$198
One comp claim	$1190	$202
Two Med/PIP claims	$1190	$198
Two comp claims	$1203	$205
Failure to show documents	$1315	$219
Child safety restraint	$1354	$230
Driving without lights	$1354	$226
Failure to wear a seat belt	$1354	$230
Driving with expired registration	$1379	$230
Cell phone violation	$1423	$242
Texting while driving	$1423	$237
Wrong way/wrong lane	$1423	$242
Driving too slowly	$1429	$239
Failure to yield	$1429	$243
Following too closely	$1429	$239
Illegal turn	$1429	$243
Speeding 6 - 10 MPH over limit	$1429	$239
Failure to stop at a red light	$1435	$244
Speeding 11 - 15 MPH over limit	$1435	$240
Speeding 16 - 20 MPH over limit	$1435	$244
Speeding in school zone	$1435	$240
Improper passing	$1442	$245
In 65 MPH zone	$1492	$249
Speeding 21 - 25 MPH over limit	$1518	$258
Passing school bus	$1523	$254
At-fault accident - less than $1000	$1606	$273
Operating a vehicle without permission	$1681	$280
At-fault accident - $1000-$2000	$1726	$294
Open container	$1737	$289
At-fault accident - greater than $2000	$1750	$298
Reckless driving	$2166	$361
Driving with a suspended license	$2178	$370
Refusal to submit to a chemical test	$2178	$364
DUI	$2197	$373
Racing	$2197	$367
Leaving scene of an accident/hit and run	$2292	$390

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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 Riverdale 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 Riverdale.

The cheapest car insurance premiums in Riverdale are offered by Utah Farm Bureau at $390 for a six-month policy. However, it can be as expensive as $3469 with companies like State Farm.

Riverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$390	$67
Farmers Union Insurance	$422	$70
Kemper	$484	$83
Progressive	$699	$118
USAA	$1026	$173
Nationwide	$1152	$194
American Family	$1165	$196
Farm Bureau	$1197	$199
Allstate	$1530	$258
Auto-Owners	$2330	$388
Farmers	$2789	$474
State Farm	$3469	$584

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 Riverdale are offered by Farmers Union Insurance at $264. However, it can be as expensive as $2878 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Riverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$264	$45
Nationwide	$270	$46
Auto-Owners Insurance Co	$366	$63
Progressive	$718	$121
American Family	$818	$138
USAA	$856	$143
Auto-Owners	$888	$151
Farm Bureau	$1197	$199
State Farm	$1549	$263
Allstate	$1625	$270
Farmers	$2878	$490

Car Insurance Price Trends in Riverdale, Utah

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

The average cost of full coverage in the Riverdale remained steady at $227 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Riverdale remained steady at $72 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 Riverdale?

The car insurance in Riverdale is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Riverdale?

The cheapest car insurance in Riverdale is $77 per month for full coverage.

How much is car insurance in Riverdale for teenagers?

Car insurance for teenagers costs $328 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 Riverdale?

The average cost of car insurance is $952 for a six-month policy. It will cost around $170 per month to insure your car in Riverdale.

Is car insurance expensive in Riverdale?

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

What is the best car insurance in Riverdale, UT?

The best car insurance company in Riverdale UT is Farmers Union Insurance, offering $454 for a six-month policy.