Cheapest Auto Insurance in Ogden, Utah (2025)
USAA is the cheapest liability car insurance company in Ogden, with rates as low as $58 per month.
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Located just north of busy Salt Lake City, Ogden is home to around 86,000 people.1 This mountain town’s relatively small population compared to larger cities may be why it has cheaper average car insurance rates.
Drivers in Ogden pay an overall average of $116 per month for auto insurance, which is less than the overall state average of $121 per month.
Here’s how to compare rates, find cheap insurance, and save money on coverage in Ogden.
Quick Facts
The average cost of car insurance in Ogden is $97 per month for liability insurance and $134 per month for full coverage.
The cheapest full-coverage car insurance company in Ogden is USAA, with rates as low as $80 per month.
Utah is a no-fault state and requires drivers to carry a minimum of $3,000 in personal injury protection (PIP) coverage.2
3 of the cheapest car insurance companies in Ogden
The right car insurance for you depends on personal factors like your age, vehicle, ZIP code, driving history, and more. The cheapest company for you may not be the cheapest for someone else, which is why it’s important to shop around.
Here are three of Ogden’s cheapest car insurance companies, but you should compare rates from multiple insurance companies to find the best fit.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members and families: USAA
Best insurer for digital account management: Clearcover
Best insurer for claims handling: Safeco
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How to get the cheapest car insurance in Ogden
When you’re looking for cheap car insurance in the Ogden area, you’ll want to consider different factors including coverage options, discounts, number of drivers, and the type of insurance policy you need.
You can save money with the following strategies before buying your policy:
Shop around. Use an online comparison tool to get car insurance rates from multiple companies to determine which coverage options and budget best fits your needs.
Get discounts. Car insurance discounts can help you save money on your policy. Look for discounts for signing up for automatic payments, having certain vehicle safety features, and insuring more than one car.
Bundle policies. Consider bundling your car insurance with other policies like homeowners insurance, renters insurance, or life insurance.
Cheapest liability-only car insurance in Ogden: USAA
Liability insurance pays for other parties’ injuries and damages from car accidents you cause. It offers no financial protection for your vehicle, property, or passengers; it’s often the cheapest option because it provides minimal protection.
Ogden drivers pay an average of $97 per month for liability coverage.
While car insurance rates vary based on individual needs and circumstances, the table below shows average rates from the cheapest companies in Ogden.
Cheapest full-coverage car insurance in Ogden: USAA
Full-coverage car insurance typically includes liability coverage, plus comprehensive and collision insurance. You’ll pay more for full-coverage policies, but they offer more protection. Your auto lender or lessor may require collision and comprehensive coverage to protect their interest, but drivers with higher-value and newer vehicles should consider it, too.
The average cost of full-coverage insurance in Ogden is $134 per month.
The table below shows the cheapest full-coverage insurers in Ogden.
Car insurance requirements in Utah
Utah is a no-fault state, which means drivers seek compensation for damages and injuries with their own car insurance company and must maintain PIP coverage.
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:
While these are minimum coverages, they may not be enough for every driver. Auto insurance companies offer more coverages that drivers can add to their policies for more protection:
Cheapest car insurance for drivers with an incident
Drivers with a history of incidents might find it difficult to get cheap insurance in Ogden. Incidents on your record can include at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other moving violations, which show insurers that you’re a high-risk driver.
Insurance companies charge higher rates to offset that increased risk. For example, drivers with clean records pay an average of $97 per month for liability insurance, but that average increases to $110 per month after a speeding ticket, $121 per month after an at-fault accident, and $156 per month after a DUI.
Average cost of car insurance by age
Age is a significant factor that car insurance companies use when setting rates. Teen drivers pay more expensive car insurance rates because their lack of driving experience increases their fatal crash rate to nearly three times as high as drivers age 20 and older.3 But rates decrease as drivers age and gain more experience, as long as they have a clean driving record.
Drivers may see rates increase again around age 70 due to factors like vision and hearing loss, medication side effects, and other medical conditions that increase the likelihood of accidents.4
Here are Ogden’s average car insurance costs based on age:
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Ogden car insurance quotes by credit tier
Insurance companies in Utah can legally use your credit history when underwriting your policy and determining rates.5
Drivers with excellent or good credit scores will likely qualify for lower rates than drivers with poor credit scores. Here’s how credit tier affects average car insurance rates in Ogden.
Ogden car insurance FAQs
Check out Insurify’s guide to driving on black ice and the answers to common questions about car insurance in Ogden below.
How much is car insurance in Ogden?
The average cost of car insurance in Ogden is $97 per month for liability insurance and $134 per month for full coverage.
Which companies have the cheapest car insurance in Ogden?
USAA, Auto-Owners, and National General are the cheapest car insurance companies in Ogden, with liability rates of $58, $70, and $75 per month, respectively.
But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.
What are the best car insurance companies in Ogden?
Some of the best car insurance companies in Ogden that Insurify identified include USAA, Safeco, and Clearcover. These insurers have solid IQ Scores, good customer satisfaction ratings, and plenty of coverage options for drivers.
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