Cheapest Car Insurance Quotes in Vineyard

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406,175 Policies Sold

Vineyard Car Insurance

^$ 39

/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 Vineyard

The car insurance rate in Vineyard is $1270 for a six-month policy, which is $203 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Vineyard 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 Vineyard

$1270

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Vineyard

1st place: Farmers Union Insurance

At $509 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 $544 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $700 for six months, making it the third cheapest auto insurance company in Vineyard.

Vineyard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vineyard, UT is Farmers Union Insurance, offering policies at just $509 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $544.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vineyard drivers find the best deals.

Cheap Car Insurance Companies in Vineyard, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$509	$87
Auto-Owners Insurance Co	$544	$90
Nationwide	$700	$118
USAA	$798	$134
American Family	$904	$152
Progressive	$933	$157
Auto-Owners	$1131	$190
Farm Bureau	$1570	$262
Allstate	$1640	$276
State Farm	$2481	$418
Farmers	$2764	$470

Key Takeaways

Way's key takeaways about car insurance in Vineyard

The auto insurance costs in Vineyard fall around $509 for six months.
The cheapest auto insurance company in Vineyard is Farmers Union Insurance.
Teen drivers pay the highest rate in Vineyard at $1754 per month.

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Cheapest Minimum Liability Car Insurance in Vineyard

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 Vineyard are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Vineyard. Their Average 6 Month Premium is $233. Farmers is the most expensive at $3718 for the same period.

Cheapest Liability Coverage in Vineyard, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$233	$39
Auto-Owners Insurance Co	$303	$51
Nationwide	$332	$56
Progressive	$678	$114
USAA	$707	$119
American Family	$1067	$180
Allstate	$1484	$250
Auto-Owners	$1654	$278
Farm Bureau	$1774	$295
State Farm	$3471	$584
Farmers	$3718	$620

Cheapest Full Coverage Car Insurance in Vineyard

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 Vineyard is Farmers Union Insurance at $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vineyard, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$509	$87
Auto-Owners Insurance Co	$544	$90
Nationwide	$700	$118
USAA	$798	$134
American Family	$904	$152
Progressive	$933	$157
Auto-Owners	$1131	$190
Farm Bureau	$1570	$262
Allstate	$1640	$276
State Farm	$2481	$418
Farmers	$2764	$470

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Average Car Insurance in Vineyard 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 Vineyard, UT increasing?

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

Car Insurance Premiums by Age in Vineyard

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 Vineyard,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 Vineyard at $61 per month. At $10526 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	$368	$61
Auto-Owners Insurance Co	$417	$71
Iowa Farm Bureau	$438	$73
Utah Farm Bureau	$474	$81
USAA	$1597	$269
Nationwide	$1760	$296
Auto-Owners	$2284	$384
Progressive	$2799	$471
American Family	$3294	$555
Farm Bureau	$4128	$702
Allstate	$5598	$942
State Farm	$8899	$1498
Farmers	$10526	$1754

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 Vineyard, Nationwide is the cheapest car insurance provider. At $389 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 Vineyard is State Farm, offering rates of around $5238 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$389	$67
Farmers Union Insurance	$431	$71
Kemper	$637	$108
Auto-Owners Insurance Co	$728	$121
Progressive	$1230	$207
American Family	$1258	$212
USAA	$1817	$309
Farmers	$2566	$432
Farm Bureau	$2955	$502
Allstate	$2990	$499
Auto-Owners	$3082	$524
State Farm	$5238	$873

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Car Insurance Rates with An Accident in Vineyard

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

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

The cheapest car insurance companies after an at-fault accident in Vineyard include Farmers Union Insurance and AutoOwners Insurance Co, offering $375 and $502, respectively. Farmers is an expensive provider with an average six-month premium of $4142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$375	$62
Auto-Owners Insurance Co	$502	$86
Utah Farm Bureau	$594	$99
Encompass	$657	$112
USAA	$791	$133
Nationwide	$827	$139
Progressive	$1017	$171
American Family	$1216	$205
Auto-Owners	$1272	$214
Farm Bureau	$2424	$412
Allstate	$2438	$411
State Farm	$2877	$484
Farmers	$4142	$690

Vineyard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vineyard UT. For example, the car insurance in Vineyard after a DUI increases to $1166 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Vineyard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1301	$217
One Med/PIP claim	$1308	$223
Not-at-fault accident	$1336	$223
One comp claim	$1336	$227
Two Med/PIP claims	$1336	$223
Two comp claims	$1351	$230
Failure to show documents	$1477	$246
Child safety restraint	$1520	$258
Driving without lights	$1520	$253
Failure to wear a seat belt	$1520	$258
Driving with expired registration	$1548	$258
Cell phone violation	$1597	$271
Texting while driving	$1597	$267
Wrong way/wrong lane	$1597	$271
Driving too slowly	$1604	$268
Failure to yield	$1604	$273
Following too closely	$1604	$268
Illegal turn	$1604	$273
Speeding 6 - 10 MPH over limit	$1604	$268
Failure to stop at a red light	$1611	$274
Speeding 11 - 15 MPH over limit	$1611	$269
Speeding 16 - 20 MPH over limit	$1611	$274
Speeding in school zone	$1611	$269
Improper passing	$1618	$275
In 65 MPH zone	$1676	$280
Speeding 21 - 25 MPH over limit	$1704	$289
Passing school bus	$1710	$286
At-fault accident - less than $1000	$1803	$307
Operating a vehicle without permission	$1887	$314
At-fault accident - $1000-$2000	$1937	$330
Open container	$1950	$325
At-fault accident - greater than $2000	$1965	$334
Reckless driving	$2431	$406
Driving with a suspended license	$2445	$415
Refusal to submit to a chemical test	$2445	$408
DUI	$2467	$419
Racing	$2467	$412
Leaving scene of an accident/hit and run	$2573	$438

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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 Vineyard 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 Vineyard.

The cheapest car insurance premiums in Vineyard are offered by Utah Farm Bureau at $438 for a six-month policy. However, it can be as expensive as $4856 with companies like State Farm.

Vineyard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$438	$75
Farmers Union Insurance	$474	$79
Kemper	$544	$93
Progressive	$912	$154
USAA	$1216	$205
Nationwide	$1294	$218
American Family	$1336	$225
Allstate	$1739	$293
Farm Bureau	$1774	$302
Auto-Owners	$2933	$489
Farmers	$3718	$632
State Farm	$4856	$818

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 Vineyard are offered by Farmers Union Insurance at $296. However, it can be as expensive as $3831 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vineyard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$296	$50
Nationwide	$303	$51
Auto-Owners Insurance Co	$411	$70
American Family	$947	$159
Progressive	$1053	$177
USAA	$1082	$180
Auto-Owners	$1131	$193
Farm Bureau	$1774	$295
Allstate	$1873	$319
State Farm	$2757	$459
Farmers	$3831	$651

Car Insurance Price Trends in Vineyard, Utah

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

The average cost of full coverage in the Vineyard rose by $286 in January compared to $255 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Vineyard rose to $195 in January, compared to $81 in December. This represents an increase of $114 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Vineyard?

The car insurance in Vineyard is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Vineyard?

The cheapest car insurance in Vineyard is $87 per month for full coverage.

How much is car insurance in Vineyard for teenagers?

Car insurance for teenagers costs $368 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 Vineyard?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $213 per month to insure your car in Vineyard.

Is car insurance expensive in Vineyard?

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

What is the best car insurance in Vineyard, UT?

The best car insurance company in Vineyard UT is Farmers Union Insurance, offering $509 for a six-month policy.