Cheapest Car Insurance Quotes in Saratoga Springs

Finding the cheapest car insurance quotes in Saratoga Springs 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.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Saratoga Springs Car Insurance

^$ 36

/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 Saratoga Springs

The car insurance rate in Saratoga Springs is $1038 for a six-month policy, which is $86 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Saratoga Springs 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 Saratoga Springs

$1038

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Saratoga Springs

1st place: Farmers Union Insurance

At $467 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 $498 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $641 for six months, making it the third cheapest auto insurance company in Saratoga Springs.

Saratoga Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saratoga Springs, UT is Farmers Union Insurance, offering policies at just $467 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $498.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saratoga Springs drivers find the best deals.

Cheap Car Insurance Companies in Saratoga Springs, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$467	$80
Auto-Owners Insurance Co	$498	$83
Nationwide	$641	$108
USAA	$700	$118
Progressive	$790	$133
American Family	$815	$137
Auto-Owners	$978	$165
Farm Bureau	$1088	$181
Allstate	$1482	$250
State Farm	$1832	$308
Farmers	$2130	$362

Key Takeaways

Way's key takeaways about car insurance in Saratoga Springs

The auto insurance costs in Saratoga Springs fall around $467 for six months.
The cheapest auto insurance company in Saratoga Springs is Farmers Union Insurance.
Teen drivers pay the highest rate in Saratoga Springs at $1358 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 Saratoga Springs

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 Saratoga Springs are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Saratoga Springs. Their Average 6 Month Premium is $214. Farmers is the most expensive at $1075 for the same period.

Cheapest Liability Coverage in Saratoga Springs, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$214	$36
USAA	$253	$43
Auto-Owners Insurance Co	$278	$47
Nationwide	$304	$51
Progressive	$356	$60
Auto-Owners	$395	$66
Farm Bureau	$440	$73
American Family	$460	$77
Allstate	$712	$120
State Farm	$841	$142
Farmers	$1075	$179

Cheapest Full Coverage Car Insurance in Saratoga Springs

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 Saratoga Springs is Farmers Union Insurance at $80 per month and $467 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saratoga Springs, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$467	$80
Auto-Owners Insurance Co	$498	$83
Nationwide	$641	$108
USAA	$700	$118
Progressive	$790	$133
American Family	$815	$137
Auto-Owners	$978	$165
Farm Bureau	$1088	$181
Allstate	$1482	$250
State Farm	$1832	$308
Farmers	$2130	$362

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Saratoga Springs Instantly!

Average Car Insurance in Saratoga Springs 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 Saratoga Springs, UT increasing?

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

Car Insurance Premiums by Age in Saratoga Springs

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Saratoga Springs,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 Saratoga Springs at $56 per month. At $8151 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	$337	$56
Auto-Owners Insurance Co	$382	$65
Iowa Farm Bureau	$401	$66
Utah Farm Bureau	$434	$74
USAA	$1392	$234
Nationwide	$1612	$271
Auto-Owners	$1936	$326
Progressive	$2473	$416
Farm Bureau	$2927	$487
American Family	$2959	$498
Allstate	$5076	$855
State Farm	$6746	$1136
Farmers	$8151	$1358

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 Saratoga Springs, Nationwide is the cheapest car insurance provider. At $356 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 Saratoga Springs is State Farm, offering rates of around $3011 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$356	$61
Farmers Union Insurance	$395	$65
Kemper	$583	$99
Auto-Owners Insurance Co	$667	$111
Progressive	$932	$157
American Family	$1121	$189
USAA	$1482	$252
Farmers	$2033	$342
Farm Bureau	$2046	$348
Auto-Owners	$2473	$412
Allstate	$2654	$451
State Farm	$3011	$501

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Saratoga Springs.

Car Insurance Rates with An Accident in Saratoga Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Saratoga Springs

The cheapest car insurance companies after an at-fault accident in Saratoga Springs include Farmers Union Insurance and AutoOwners Insurance Co, offering $343 and $460, respectively. Farmers is an expensive provider with an average six-month premium of $3192.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$343	$57
Auto-Owners Insurance Co	$460	$78
Utah Farm Bureau	$544	$90
Encompass	$602	$102
USAA	$693	$117
Nationwide	$758	$128
Progressive	$835	$141
Auto-Owners	$1094	$184
American Family	$1101	$185
Farm Bureau	$1676	$286
Allstate	$2079	$350
State Farm	$2324	$391
Farmers	$3192	$532

Saratoga Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Saratoga Springs UT. For example, the car insurance in Saratoga Springs after a DUI increases to $1069 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

Saratoga Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1191	$198
One Med/PIP claim	$1198	$204
Not-at-fault accident	$1224	$204
One comp claim	$1224	$208
Two Med/PIP claims	$1224	$204
Two comp claims	$1237	$210
Failure to show documents	$1353	$226
Child safety restraint	$1392	$237
Driving without lights	$1392	$232
Failure to wear a seat belt	$1392	$237
Driving with expired registration	$1418	$237
Cell phone violation	$1463	$249
Texting while driving	$1463	$244
Wrong way/wrong lane	$1463	$249
Driving too slowly	$1469	$245
Failure to yield	$1469	$250
Following too closely	$1469	$245
Illegal turn	$1469	$250
Speeding 6 - 10 MPH over limit	$1469	$245
Failure to stop at a red light	$1476	$251
Speeding 11 - 15 MPH over limit	$1476	$246
Speeding 16 - 20 MPH over limit	$1476	$251
Speeding in school zone	$1476	$246
Improper passing	$1482	$252
In 65 MPH zone	$1535	$256
Speeding 21 - 25 MPH over limit	$1561	$265
Passing school bus	$1566	$262
At-fault accident - less than $1000	$1651	$281
Operating a vehicle without permission	$1729	$288
At-fault accident - $1000-$2000	$1775	$302
Open container	$1787	$298
At-fault accident - greater than $2000	$1800	$306
Reckless driving	$2227	$372
Driving with a suspended license	$2240	$380
Refusal to submit to a chemical test	$2240	$374
DUI	$2260	$384
Racing	$2260	$377
Leaving scene of an accident/hit and run	$2357	$401

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 Saratoga Springs 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 Saratoga Springs.

The cheapest car insurance premiums in Saratoga Springs are offered by Utah Farm Bureau at $401 for a six-month policy. However, it can be as expensive as $3568 with companies like State Farm.

Saratoga Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$401	$69
Farmers Union Insurance	$434	$72
Kemper	$498	$85
Progressive	$718	$121
USAA	$1055	$178
Nationwide	$1185	$199
American Family	$1198	$202
Farm Bureau	$1231	$205
Allstate	$1573	$265
Auto-Owners	$2396	$399
Farmers	$2868	$487
State Farm	$3568	$601

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 Saratoga Springs are offered by Farmers Union Insurance at $271. However, it can be as expensive as $2959 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Saratoga Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$271	$46
Nationwide	$278	$47
Auto-Owners Insurance Co	$376	$64
Progressive	$738	$124
American Family	$841	$142
USAA	$881	$147
Auto-Owners	$913	$155
Farm Bureau	$1231	$205
State Farm	$1592	$270
Allstate	$1671	$278
Farmers	$2959	$504

Car Insurance Price Trends in Saratoga Springs, Utah

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

The average cost of full coverage in the Saratoga Springs remained steady at $233 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Saratoga Springs remained steady at $74 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Saratoga Springs?

The car insurance in Saratoga Springs is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Saratoga Springs?

The cheapest car insurance in Saratoga Springs is $80 per month for full coverage.

How much is car insurance in Saratoga Springs for teenagers?

Car insurance for teenagers costs $337 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 Saratoga Springs?

The average cost of car insurance is $952 for a six-month policy. It will cost around $174 per month to insure your car in Saratoga Springs.

Is car insurance expensive in Saratoga Springs?

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

What is the best car insurance in Saratoga Springs, UT?

The best car insurance company in Saratoga Springs UT is Farmers Union Insurance, offering $467 for a six-month policy.