Cheapest Auto Insurance in Midvale, Utah (2025)

Located in the Salt Lake City metropolitan area, Midvale, Utah, has a population of around 35,000 people. The average cost of liability insurance in Midvale is $117 per month, which is higher than the Utah state average of $101 and the national average of $103.

Midvale drivers may pay higher rates on average because of the city’s high population density of around 6,000 people per square mile.1 Drivers also face a higher risk of damage to their vehicles and other property during the winter due to high amounts of snowfall and the potential of flooding from snowmelt.

Here’s what you should know about finding cheap car insurance in Midvale, including how various incidents can affect your rates and how to compare quotes.

3 of the cheapest car insurance companies in Midvale

Midvale drivers looking for affordable car insurance coverage have a number of options, but a few stand out with competitive pricing and unique perks for certain types of drivers. The type of coverage you settle on will depend on your unique needs and driving history.

Learn more about coverage from Auto-Owners, USAA, and State Farm below. The insurance costs below reflect statewide average quotes in Utah.

Best insurer for cheap rates: Auto-Owners

Best insurer for veterans: USAA

Best insurer for teen drivers: State Farm

How to get the cheapest car insurance in Midvale

Besides working on maintaining a clean driving record, you can take certain steps to secure the best rates in Midvale. Consider the following tips:

• Shop around. Review quotes from several insurers to compare rates, perks, deductibles, discounts, and more. Don’t settle for the first cheap rate you find.

• Review eligible discounts. Finding the right discounts can help you reduce your overall car insurance costs. Some companies offer discounts for good drivers, teen drivers, and bundling.

• Adjust your deductible. Selecting a higher deductible is one way to save on monthly car insurance premiums. Make sure you can pay the deductible if needed.

• Work with an agent. Some companies have insurance agents who can help you through the insurance-buying process and answer any questions you may have.

Cheapest liability-only car insurance in Midvale: USAA

To drive legally in Utah, you need a valid driver’s license and the state’s minimum required auto coverage. Liability coverage pays for the other driver’s property damage and bodily injuries you cause in an accident. In other words, it covers your liability. This type of coverage doesn’t include any payment or reimbursement for damages that you may incur.3

Liability insurance in Midvale costs an average of $117 per month. Here are the cheapest liability-only car insurance options in Midvale.

Cheapest full-coverage car insurance in Midvale: USAA

If you want more than liability-only coverage — which only covers the other driver — you can consider getting full-coverage car insurance. This coverage typically includes a combination of liability, collision, and comprehensive coverages to extend coverage to your vehicle.

This additional coverage can provide you with more financial security and protection in various situations. Your auto lender or dealership may require you to purchase a full-coverage policy if you lease or finance your vehicle.

Midvale drivers pay a monthly average of $176 for full coverage. Here are the cheapest full-coverage car insurance options for Midvale drivers.

Car insurance requirements in Utah

To comply with state law, Midvale drivers must carry a minimum of bodily injury liability, property damage liability, and personal injury protection (PIP) coverage. Utah is a no-fault state, which means that each party has no-fault coverage following an accident, regardless of fault. PIP insurance covers medical expenses for you and your passengers.

The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.5 The table below reflects the change in requirements:

You may want to secure coverage beyond the minimum limits for protection in many different situations. Here are some common optional coverage types to consider:

Cheapest car insurance for drivers with an incident

Your driving record is one of the top factors insurance companies consider when determining your premium. Drivers with a clean record typically pay the lowest rates, but accidents happen. You might have an incident on your record that increases your risk profile and leads to higher insurance costs.

How much your rates increase depends on the type, severity, and frequency of incidents on your record. For example, speeding tickets tend to result in less significant cost increases than at-fault accidents. And a driving under the influence conviction typically increases premiums by a lot — due to the severity of the offense.6

In Midvale, drivers with a past incident pay $134 per month for liability coverage and $201 for full-coverage insurance.

Cheapest car insurance for drivers with a speeding ticket: USAA

If you get a speeding ticket in Midvale, you have to pay a fine based on the speed recorded and how much it exceeded the posted limit. The lowest fine is $160 for going up to 10 miles per hour over the limit. The highest fee is $380 for exceeding the speed limit by 26 to 30 miles per hour. Midvale drivers going more than 31 miles per hour over the limit need to go to court.7

Your car insurance premium will also likely increase, though a single speeding ticket shouldn’t have a significant effect on your costs. The average cost of liability coverage for Midvale drivers with a past speeding ticket is $134 per month.

Here are the cheapest car insurance quotes for Midvale drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: USAA

A car accident can seriously affect your future car insurance premiums. If you cause a car accident, your car insurance company may view you as a high-risk driver and increase your rates accordingly.

On average, Midvale drivers with a past accident pay $147 per month for liability insurance. Here are the cheapest liability car insurance options for Midvale drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: USAA

Getting a DUI in Utah can lead to costly expenses and the suspension of your driver’s license for a time. The severity of the consequences in Utah depends on whether you’ve had one or multiple DUI offenses.8

Your car insurance premiums will increase significantly after a DUI. To find lower rates after a DUI in Utah, you may need to shop around and compare your options. The average cost of liability coverage for Midvale drivers with a past DUI is $188 per month. Start your search with some of the cheapest liability insurance options in Midvale below.

Cheapest car insurance for seniors: USAA

Your age is another factor that can influence your car insurance rates. Car insurance premiums tend to decrease steadily for drivers between the ages of 35 and 70. As drivers gain more experience and have a lengthy driving history, rates decrease. Residents age 65 and older make up 8.6% of the population in Midvale, according to U.S. Census data.1

Senior drivers typically earn some of the cheapest rates by driver age, but rates start to increase again around age 70. Though senior drivers have a lot of driving experience, auto insurers may start to account for potential risk factors related to aging, including challenges with vision or coordination.10

On average, the cost of coverage for Midvale senior drivers is $93 per month for liability and $140 for full coverage. Here are the cheapest coverage options for senior drivers in Midvale.

Cheapest car insurance for teens: USAA

Teen drivers often pay the highest rates among all drivers because they lack driving experience. Data shows that this age group tends to engage in risky driving behaviors that lead to more fatal accidents.11

To earn lower rates as a teen driver, you should look for insurance companies that offer discounts geared toward young drivers, such as a good student discount, and join your parents’ existing car insurance policy.

On average, teen drivers in the city pay $229 per month for liability insurance and $345 for full coverage. Here are the cheapest coverage options for teen drivers in Midvale.

Midvale car insurance quotes by credit tier

Midvale car insurance rates vary based on many factors, including your credit history. Insurance companies in the state can review your credit-based insurance score to assess the level of risk you pose. If you have a poor credit history, you’ll likely pay higher rates than drivers with good or excellent credit.

Though insurers in Utah can consider your credit history, the state limits how companies can use it. For example, your insurer can’t cancel an existing auto policy due to your credit score if you’ve been a customer for 60 days. And credit can’t be the sole factor used for assessing risk.2

Here are the average full-coverage insurance quotes by credit tier in Midvale.

Is car insurance more expensive in Midvale?

At $117 per month for liability and $176 for full coverage, Midvale car insurance is more expensive than the national and state averages. Drivers in Utah pay $101 per month for liability and $147 for full-coverage insurance, on average. The national average cost of car insurance is $103 per month for liability and $182 for full coverage.

Midvale drivers may face more expensive rates because the city has a relatively high population density, and during winter months, drivers face an added risk of property damage from snowfall and snowmelt.

More cities in Utah

Because car insurance rates vary by a ZIP code’s population density, crime rates, and more, Utah drivers pay different average rates depending on what city they live in. Compare average quotes in different Utah cities below.

Midvale car insurance FAQs