Cheapest Car Insurance Quotes in Rush Valley

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Rush Valley 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 Rush Valley

The car insurance rate in Rush Valley is $952 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 Rush Valley 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 Rush Valley

$952

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Rush Valley

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 Rush Valley.

Rush Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rush Valley, 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 $1954 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rush Valley drivers find the best deals.

Cheap Car Insurance Companies in Rush Valley, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$428	$73
Auto-Owners Insurance Co	$457	$76
Nationwide	$588	$99
USAA	$642	$108
Progressive	$725	$122
American Family	$748	$126
Auto-Owners	$897	$151
Farm Bureau	$998	$166
Allstate	$1360	$229
State Farm	$1681	$283
Farmers	$1954	$332

Key Takeaways

Way's key takeaways about car insurance in Rush Valley

The auto insurance costs in Rush Valley fall around $428 for six months.
The cheapest auto insurance company in Rush Valley is Farmers Union Insurance.
Teen drivers pay the highest rate in Rush Valley at $1246 per month.

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Cheapest Minimum Liability Car Insurance in Rush Valley

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 Rush Valley are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Rush Valley. Their Average 6 Month Premium is $196. Farmers is the most expensive at $986 for the same period.

Cheapest Liability Coverage in Rush Valley, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$196	$33
USAA	$232	$39
Auto-Owners Insurance Co	$255	$43
Nationwide	$279	$47
Progressive	$327	$55
Auto-Owners	$362	$61
Farm Bureau	$404	$67
American Family	$422	$71
Allstate	$653	$110
State Farm	$772	$130
Farmers	$986	$164

Cheapest Full Coverage Car Insurance in Rush Valley

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 Rush Valley is Farmers Union Insurance at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rush Valley, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$428	$73
Auto-Owners Insurance Co	$457	$76
Nationwide	$588	$99
USAA	$642	$108
Progressive	$725	$122
American Family	$748	$126
Auto-Owners	$897	$151
Farm Bureau	$998	$166
Allstate	$1360	$229
State Farm	$1681	$283
Farmers	$1954	$332

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Average Car Insurance in Rush Valley 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 Rush Valley, UT increasing?

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

Car Insurance Premiums by Age in Rush Valley

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 Rush Valley,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 Rush Valley at $51 per month. At $7478 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	$1277	$215
Nationwide	$1479	$249
Auto-Owners	$1776	$299
Progressive	$2269	$382
Farm Bureau	$2685	$447
American Family	$2715	$457
Allstate	$4657	$784
State Farm	$6189	$1042
Farmers	$7478	$1246

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 Rush Valley, 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 Rush Valley is State Farm, offering rates of around $2762 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	$855	$144
American Family	$1028	$173
USAA	$1360	$231
Farmers	$1865	$314
Farm Bureau	$1877	$319
Auto-Owners	$2269	$378
Allstate	$2435	$414
State Farm	$2762	$460

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Car Insurance Rates with An Accident in Rush Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rush Valley

The cheapest car insurance companies after an at-fault accident in Rush Valley 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 $2928.

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	$636	$107
Nationwide	$695	$117
Progressive	$766	$129
Auto-Owners	$1004	$169
American Family	$1010	$170
Farm Bureau	$1538	$262
Allstate	$1907	$321
State Farm	$2132	$359
Farmers	$2928	$488

Rush Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rush Valley UT. For example, the car insurance in Rush Valley 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.

Rush Valley 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 Rush Valley 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 Rush Valley.

The cheapest car insurance premiums in Rush Valley are offered by Utah Farm Bureau at $368 for a six-month policy. However, it can be as expensive as $3273 with companies like State Farm.

Rush Valley 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	$659	$111
USAA	$968	$163
Nationwide	$1087	$183
American Family	$1099	$185
Farm Bureau	$1129	$188
Allstate	$1443	$243
Auto-Owners	$2198	$366
Farmers	$2631	$447
State Farm	$3273	$551

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 Rush Valley are offered by Farmers Union Insurance at $249. However, it can be as expensive as $2715 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rush Valley 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
Progressive	$677	$114
American Family	$772	$130
USAA	$808	$135
Auto-Owners	$838	$142
Farm Bureau	$1129	$188
State Farm	$1461	$248
Allstate	$1533	$255
Farmers	$2715	$462

Car Insurance Price Trends in Rush Valley, Utah

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

The average cost of full coverage in the Rush Valley remained steady at $214 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rush Valley remained steady at $68 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 Rush Valley?

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

What is the cheapest car insurance in Rush Valley?

The cheapest car insurance in Rush Valley is $73 per month for full coverage.

How much is car insurance in Rush Valley 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 Rush Valley?

The average cost of car insurance is $952 for a six-month policy. It will cost around $160 per month to insure your car in Rush Valley.

Is car insurance expensive in Rush Valley?

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

What is the best car insurance in Rush Valley, UT?

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