Cheapest Car Insurance Rates in Monroe UT

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Cheapest Car Insurance Rates in Monroe UT

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Car Insurance Rates Based on Your Credit Score in Monroe UT

Credit Score Insurance Cost
Exceptional (800-850) $1,036
Excellent (740-799) $1,183
Good (670-739) $1,259
Average (580-669) $1,642
Poor (300-579) $1,970

3 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Utah

When it comes to Utah insurance, there are many advantages to using a broker or agent when buying coverage. Monroe brokers and agents are knowledgeable professionals who can provide valuable advice and assistance in choosing the right policy for your individual needs. Here are three reasons why you should consider working with a broker or agent instead of going directly to an insurance carrier:

  1. Comparison Shopping - One of the major benefits of using a Monroe broker/agent is that they have access to multiple carriers, allowing them to compare products and rates from different insurers quickly and easily. This ensures that you get the best possible deal on Utah insurance coverage without having to go through each insurer individually. Your broker/agent can also help answer any questions you have about the various policies and coverage options available to you.
  2. Personalized Service - Working with a broker/agent is more than just shopping for the best Monroe insurance policy; it's about establishing a personal relationship with someone who can provide useful advice and guidance throughout the process. Your agent will be able to answer any questions that arise and can provide assistance with understanding the often-complex terms found in an insurance policy.
  3. Professional Advice - Monroe brokers/agents are experienced professionals who understand Utah insurance better than anyone else. They know what kind of coverage is appropriate for different situations, and they can help you make informed decisions when selecting a plan or filing a claim. Furthermore, brokers and agents have connections within the industry that could potentially help you get better coverage than you would by going directly to an insurance carrier.

Overall, using a Monroe broker or agent for Utah insurance is the best way to ensure that you are getting the most comprehensive coverage at the most competitive rate. With their expertise and experience, brokers/agents can provide invaluable advice and assistance when selecting a policy for your particular needs.

Best Cheap Car Insurance Companies Monroe UT

cheap car insurance Monroe UT

Car Insurance Brokers & Agents Near Me

Agent Name Company Agent Address Contact Details
Derek Stokes State Farm 201 N Main St, Richfield, 84701-2157 435-896-6455
Okerlund-Leavitt Insurance Agency None 10 North Main, Richfield, 84701 None
Ronald Gleave Allstate 245 N Main St, Richfield, 84701 (435) 287-0455
Ron Brown State Farm 510 N Main St, Richfield, 84701-1864 435-896-9047
White Insurance Agency Allstate 15 South Main, Beaver, 84713 (435) 438-5445
Okerlund Sorenson Leavitt Travelers 10 N MAIN, RICHFIELD, 84701 435-896-4471
Dave Lambertsen State Farm 28 S Main, Gunnison, 84634 435-528-7500

4 Reasons Insurance Companies Declare Vehicles Totaled in Utah

Living in Utah can be dangerous if you don't have the right safety measures in place. Utah has one of the highest rates of traffic-related fatalities and severe injuries in the United States. That is why having comprehensive auto insurance coverage is a must, especially for vehicle owners in Utah.

Insurance companies may total a car after an accident if they decide that it is not worth repairing. When this happens, Utahans may receive payments from their insurers to cover lost value on their vehicles. Here are four common reasons why an insurance company might declare a vehicle totaled:

  1. Extensive Damage: If the cost of repairs to your vehicle exceeds its pre-accident value, then your insurer may deem it a total loss. Utah has some of the highest repair costs in the nation. This means that Utahans may be more likely to have their vehicles totaled due to high repair costs than drivers in other states.
  2. Safety Hazards: If your vehicle is deemed unsafe or unstable after an accident, then it could be declared a total loss by your insurer. Utah has stringent safety laws and regulations, so insurers will not approve repairs if they believe that a vehicle poses a danger to its occupants or other drivers on the road due to structural damage caused by an accident.
  3. Theft: Unfortunately, Utah has one of the highest rates of vehicle theft in the country as well as one of the lowest rates of recovery for stolen vehicles. If your vehicle is stolen and not found, then your insurer may declare it a total loss.
  4. Floods: Utah is also prone to flooding due to its location in the Rocky Mountains. If your vehicle is damaged by floodwaters, then your insurance company may deem it a total loss, as repair costs for water-damaged vehicles can be very high.

If you ever find yourself in an accident, make sure you contact your insurance company right away to determine if they will declare your vehicle totaled or not. Understanding why insurers total cars in Utah will help you make sure that you have the right coverage and protection in place should the worst happen.

4 Things to Know Before Going to an Auto Body Shop in Utah

Are you looking for an auto body shop in Monroe UT? Taking your car to a Monroe body shop can be a daunting experience, especially when it is your first time. Here are four things you should know before going to an auto body shop in Utah:

  1. Understanding Utah Auto Insurance Requirements: Before taking your car to an auto body shop in Monroe, make sure you understand the state's requirements for automobile insurance coverage. You need to have proof of liability insurance and financial responsibility in order to drive legally on Utah roads and take your car for repairs.
  2. Choosing the Right Body Shop: Do some research and choose the right Utah auto body shop that offers quality services at affordable rates. Ask around or search online to find reviews and ratings of Monroe body shops.
  3. Being Prepared: When you take your car for repairs at a Utah auto body shop, make sure you are prepared with all the necessary documents such as registration papers, insurance documents and repair estimates.
  4. Taking a Rental Car: Ask the Monroe body shop if they offer rental cars while they work on your vehicle or contact a local car rental company in Utah to provide transportation while your car is being repaired. This way, you can stay mobile and won't have to rely on family or friends during this time.

4 Steps of Insurance Claims Process After an Accident in Utah

  1. Step 1: Notify Your Insurance Company. After an accident in Monroe, the first step is to contact your insurance company and report the incident as soon as possible. It's a good idea to have all of the details of the accident ready when you call, including information about any injuries or property damage that occurred.
  2. Step 2: Provide Evidence of Coverage. Utah law requires all drivers to have car insurance and proof of coverage must be provided before an insurance company can process a claim. Gather up documents such as registration information, policy numbers and other relevant evidence related to your coverage before submitting them to your insurer.
  3. Step 3: File A Claim with Your Insurance Provider. To file a claim with your Utah insurance company, you'll need to provide detailed information about the accident and any associated costs. This might include medical bills, repair estimates or other forms of documentation that prove your losses.
  4. Step 4: Review the Claim Outcome. Once you've submitted all of your documents and filed a claim with your Utah insurer, you'll receive an outcome from the insurance company. Depending on the circumstances surrounding your claim, this could involve payment for repairs or reimbursement for expenses incurred as a result of the accident. If you disagree with the decision in any way, it's possible to appeal it by providing additional evidence or consulting with an attorney.

Top 10 Hybrid Vehicles Driving on the Roads in Utah

Hybrid vehicles are becoming increasingly common on the roads of Utah. As Monroe drivers look for a way to save money and decrease their carbon footprint, they are taking advantage of hybrid cars that offer great fuel efficiency. Here is a list of the top 10 hybrid vehicle models currently driving on Utah roads:

  1. Toyota Prius - This classic hybrid has been popular in Utah since its release in 1997. The Prius offers incredible fuel economy, averaging 48 MPG city and 44 highway.
  2. Honda Insight - With exceptional gas mileage similar to that of the Prius, Utah drivers have been flocking to this model due to its low price point and sleek exterior design.
  3. Hyundai Ioniq Hybrid - A newer addition to Utah roads, the Ioniq is a great value for Utah drivers. Its fuel economy rating of 58 mpg makes it incredibly efficient.
  4. Ford C-Max Hybrid - Utah drivers love the Ford C-Max hybrid for its versatility and spacious interior cabin. The C-Max offers Utah drivers an impressive 42 MPG city and 37 highway rating.
  5. Honda Accord Hybrid - Utah drivers have become fans of the Honda Accord Hybrid due to its stylish exterior design and reliable performance on Utah roads. It has an EPA estimated 48 MPG combined rating.
  6. Toyota Camry Hybrid - A popular choice among Utah drivers, the Camry Hybrid offers comfortable seating for up to five passengers while still delivering excellent fuel economy with an EPA estimated 51 MPG.
  7. Hyundai Sonata Hybrid - Utah drivers looking for an affordable hybrid option should consider the Sonata Hybrid, with its efficient engine and EPA estimated 40 MPG combined rating.
  8. Kia Niro Hybrid - Utah drivers have been drawn to the Kia Niro hybrid due to its stylish design, comfortable cabin, and excellent fuel efficiency of up to 52 MPG city and 49 highway.
  9. Toyota Highlander Hybrid - Utah drivers who need a vehicle with plenty of space for passengers and cargo love the Highlander Hybrid's roomy interior along with its impressive 34 MPG combined rating.
  10. Lexus UX 250h - Utah drivers appreciate this luxury SUV for its combination of luxurious features along with great fuel economy of up to 41 MPG city and 38 highway.

Top 10 All Electric Vehicles Driving on the Roads in Utah 

Utah is at the forefront of electric vehicle (EV) adoption in the US. With over 6,000 EVs on Utah roads and more being added every day, Utah has become a model for other states when it comes to going green. From Tesla Model 3s to Nissan Leafs, Utah drivers are embracing all-electric vehicles with open arms. Here are the top 10 all-electric vehicles currently driving Utah's roads.

  1. Tesla Model 3 - This popular mid-sized sedan is perhaps the most recognizable EV on Utah's roads today. It offers great performance, range and convenience features that make it a favorite among Utah drivers.
  2. Nissan Leaf - One of the first widely available EVs on Utah's roads, the Leaf is still a popular choice for Utah drivers. Its efficient design and reliable performance make it a sound investment.
  3. Chevrolet Bolt - This small hatchback offers great range and excellent value in an affordable package.
  4. Hyundai Kona Electric - The Kona offers Monroe drivers great range, style, and convenience features in one attractive package.
  5. Tesla Model X - Utah's luxury SUV of choice, the Model X offers plenty of space for Utah families as well as impressive performance on the road.
  6. BMW i3 - A stylish and efficient city car, the BMW i3 provides Utah drivers with all-electric power at an accessible price point.
  7. Volkswagen e-Golf - This modern hatchback offers Utah drivers reliable performance and great range in one attractive package.
  8. Audi e-tron - Utah's premium EV option, the Audi e-tron provides all-electric luxury with plenty of features to keep Utah drivers comfortable on the road.
  9. Ford Mustang Mach-E - This stylish crossover has become a favorite among Utah drivers for its sporty look and impressive range.
  10. Honda Clarity Electric - The Clarity is an efficient choice for Monroe drivers who are looking for an affordable all-electric vehicle that doesn't sacrifice on performance or convenience features.

Top 10 Gas Vehicles Driving on the Roads in Utah

Utah is home to some of the most diverse terrain in all of the United States, which makes it a great place to own a car. However, with Utah's wide range of terrain comes different driving conditions that can be hard on your vehicle. While electric vehicles are becoming more popular in Utah, gas-only cars still reign supreme on its roads. Here's our list of the top 10 gas only vehicles that have been tested and proven to handle Utah's roads with ease:

  1. Honda Civic - The Honda Civic has consistently been one of Utah's best-selling cars for many years due to its reliability and affordability. It also happens to be one of the most fuel efficient models out there, giving drivers excellent gas mileage with its 1.5-liter four-cylinder engine.
  2. Ford Mustang - The classic muscle car is still a favorite of Utah drivers, thanks to its powerful V8 engine and sporty design. Its turbocharged EcoBoost four-cylinder engine also helps keep fuel costs down while still providing plenty of power on the road.
  3. Toyota RAV4 - Utah's rugged terrain calls for a vehicle that can handle it all, and the Toyota RAV4 is up to the challenge. It features an efficient 2.5-liter four-cylinder engine that will help you get where you need to go without breaking the bank at the pump.
  4. Jeep Wrangler - Utah's love for the outdoors means there is no shortage of Jeeps on its roads. The Wrangler offers an impressive 3.6-liter V6 engine that can handle Utah's toughest terrain with ease while still providing excellent fuel efficiency.
  5. Chevrolet Silverado - Utah drivers looking for a reliable pickup truck need look no further than the Chevy Silverado. It features a 5.3-liter V8 engine that provides plenty of power while also delivering superior gas mileage, making it perfect for long road trips or hauling heavy loads.
  6. Nissan Altima - The Altima is one of Utah's most popular sedans thanks to its sleek design and efficient 2.5-liter four-cylinder engine. It also comes with a range of advanced safety features that can help keep Monroe drivers safe on the road.
  7. Subaru Outback - Utah's roads can be tough, but the Outback can handle it all with ease thanks to its 2.5-liter four-cylinder engine and standard all-wheel drive system. Plus, it offers plenty of cargo space for all your outdoor adventures.
  8. Toyota Tacoma - This popular pickup truck is perfect for Utah drivers looking for a reliable workhorse with plenty of power under the hood. Its 3.5-liter V6 provides excellent fuel economy while still delivering enough torque to get the job done when you need it most.
  9. Hyundai Sonata - Utah drivers looking for a comfortable ride with plenty of interior space will love the Sonata. Its 2.4-liter four-cylinder engine provides excellent fuel economy while still providing plenty of power when you need it most.
  10. Honda Odyssey - Utah's roads can be tough, so having a reliable minivan is key. The Odyssey comes equipped with a 3.5-liter V6 engine that offers great performance and fuel efficiency without sacrificing cargo or passenger capacity.

Car Dealerships in Monroe, Utah

car dealership Monroe UT

A.I. Monroe Auto Sales

1231 S 425 W, Bountiful, UT 84010

(801) 928-1007

Jorgensen Ford, Inc.

1000 Cove View Rd, Richfield, UT 84701

(435) 896-8436

Classic Motors Inc

120 S Main St, Richfield, UT 84701

(435) 896-4441

Weber Auto Sales

205 S Main St, Richfield, UT 84701

(435) 896-1784

No website found

Muñoz Auto Sales

N Center St, Elsinore, UT 84724

(435) 287-0557

Mid Utah Cng Sales Llc

Richfield, UT 84701

No website found

4 Benefits of Adding a College Student to Your Auto Insurance Policy in Utah

Are you a Monroe resident who is considering adding your college student to your auto insurance policy? Doing so can offer multiple benefits, including:

  1. Access to Discounts - In Utah and other states, many insurers provide discounts for students with good grades. This means that if your college student maintains excellent academic standing throughout their studies, you may be eligible for reduced rates on your Monroe auto insurance premiums.
  2. Increased Liability Protection - When you add a college student to your Utah auto insurance policy, it can also provide extra liability protection. This is because most policies include all drivers listed on the account as long as they are using the vehicle with permission. So, if an accident occurs while the college student is driving, you will be covered.
  3. Easier Transition - When your college student goes off to school and takes a car with them, it makes the policy transition much easier if you have already added them to your Monroe auto insurance policy. This way, they don't have to worry about shopping for their own policy or worrying about any gaps in coverage while they are away from home.
  4. Greater Peace of Mind - Adding a college student to your Utah auto insurance policy can provide greater peace of mind knowing that both you and your student are fully protected against potential accidents or damages caused by an uninsured driver. It also offers additional protection when it comes time for filing claims and dealing with third-party liabilities.

Cost of Car Insurance in 6 Different Age Groups in Utah

One of the most important considerations when shopping for car insurance is the Monroe. Utah drivers must be aware of how much they are charged depending on their age group because premiums can vary greatly. In this article, we discuss the cost of car insurance in Utah for six different age groups.

For Utah drivers between 18 and 25 years old, rates are at their highest due to inexperience behind the wheel and lower driving records. The average driver in this age group pays $2,336 per year or $195 per month for coverage.

Drivers in Utah between 26 and 35 see a significant decrease in premiums - to an average annual rate of $1,850 or $154 per month. This is due to higher incomes and increased driving experience for this age group.

The average Utah driver between 36 and 45 pays $1,850 per year or $154 per month for coverage. This is the same cost as those in the 26-35 age group due to similar incomes and driving experience levels.

Drivers aged 46 to 55 see a slight drop in rates compared to younger drivers, with an average annual premium of $1,719 or $144 per month. Utah drivers who are 56 to 65 years old pay lower premiums with an average rate of just $1,584 per year or $132 per month due to their safe driving habits and good credit scores.

Finally, Utah seniors over 66 still enjoy affordable car insurance rates - paying an average of $1,520 per year or $127 per month.

5 Driving Violations That Require High Risk Insurance in Utah

In Utah, you need to get high-risk insurance if you have certain driving violations on your record. While some of these may seem minor, they can still warrant the need for high-risk car insurance in Utah. Here are five driving violations that require high risk coverage:

  1. DUI or DWI offenses: Even a first-time offense can be costly when it comes to getting auto insurance, as insurers view this type of violation as potentially dangerous and risky behavior.
  2. Reckless driving charges: This includes speeding excessively and/or not following traffic laws properly. Reckless driving convictions may require high risk auto insurance due to the potential for serious accidents and property damage caused by such actions.
  3. Driving without insurance: Though Utah requires all drivers to have some form of car insurance, driving without coverage can result in a fine and the need for high-risk car insurance in Utah.
  4. Too many moving violations: Accumulating too many traffic tickets or other moving violations within a short amount of time may indicate that you are a risky driver and require high-risk auto insurance.
  5. At-fault accidents: Having an accident that is deemed your fault can be costly when it comes to getting auto insurance, as you will likely need to purchase high risk coverage due to the potential liability risks associated with such an incident.

Top 8 Car Insurance Companies by Least to Most Expensive in Utah

When it comes to Monroe auto insurance rates, there are many factors that go into the cost. From driving records and credit scores to age and ZIP codes, all have an effect on what you pay each month for coverage. To help Utah drivers understand the landscape better, we compiled a list of the top 8 car insurance companies in Utah ranked from least to most expensive:

  1. Allstate Insurance - With an average monthly premium of $79 per month, Allstate Insurance offers Utah drivers great value when it comes to coverage. The company is well known for its customer service and wide range of options available to policyholders.
  2. USAA - Ranked second in our list, USAA has an average monthly premium of $95. This military-affiliated insurance company is a great choice for Utah drivers who have served, or have family members that have served in the U.S. Military.
  3. Liberty Mutual - Another top contender among Utah's auto insurers, this provider has an average monthly premium of just $100 per month, making it one of the most affordable options on our list.
  4. State Farm Insurance - Utah drivers can save even more by choosing State Farm Insurance with an average monthly premium of only $106 per month. The company offers several discounts and rewards programs to help Utah drivers keep their premiums low.
  5. Nationwide Insurance - With an average monthly premium of $111 per month, Nationwide Insurance is another great option for Utah drivers. The company offers a range of coverage plans and discounts to help Utah drivers find the best fit for their budget.
  6. Farmers Insurance - Utah drivers who are looking for more comprehensive coverage may want to consider Farmers, which has an average monthly premium of $125 per month. The company offers several add-on coverages and optional riders that can be tailored to Utah drivers' budgets and needs.
  7. Progressive Insurance - Utah drivers can expect an average monthly rate from Progressive Insurance of $131 per month, making it one of the most expensive companies on our list. However, this provider is well known for its innovative technologies and superior customer service.
  8. GEICO - Coming in at number 8 in our list is GEICO, with an average monthly premium of $145 per month. Utah drivers can save money on their coverage by taking advantage of the company's discounts and rewards programs.

With so many auto insurance providers to choose from in Monroe, it's important to shop around and compare rates before committing to a provider. That way you can ensure that you are getting the best value for your dollar when it comes to car insurance coverage in Utah.

4 Auto Theft Statistics in Utah

Auto theft is a growing problem in Utah, with thousands of vehicles stolen each year. In 2019 alone, Utah reported 4,815 auto thefts - a 15% increase from the previous year. To better understand this issue and its impact on Utah drivers, here are some important statistics about auto theft in Utah:

  1. Utah ranks 24th among all U.S. states for auto theft frequency. It also has the eighth highest rate of vehicle thefts per capita nationwide.
  2. Utah's largest city, SLC, had more than 1,000 auto thefts in 2019 - accounting for 20% of all Utah car thefts that year.
  3. Older model cars are the most popular target for Utah auto thieves, with the majority of vehicles stolen being model years 2005 or older.
  4. Utah's most commonly stolen car brands in 2019 included Honda, Ford, Chevrolet and Toyota.

11 Interesting Driving Statistics in Utah

Utah is a beautiful state to explore, and it's big enough that there are plenty of driving opportunities. Here are 11 interesting Utah driving statistics to keep in mind when you're out on the road:

  1. Utah has the 17th lowest fatality rate from car accidents in the country at 8.7 deaths per 100,000 people according to The Utah Department of Public Safety.
  2. Utah ranks 32nd for number of drivers with distracted driving violations with 0.29% of all Utah drivers receiving such a citation in 2017 according to
  3. Utah has the third most miles driven per capita behind Wyoming and North Dakota, with 537 miles driven per person annually according to the Utah Department of Transportation.
  4. Utah has one of the highest rates of uninsured drivers in the country, with nearly 20 percent of Utah drivers not owning car insurance at any given time according to NerdWallet.
  5. Utah's roads are among the most dangerous on a per vehicle basis, with an accident rate of 1.31 accidents per 100 million miles traveled ranking 33rd in the nation according to The Utah Highway Safety Office.
  6. Utah has the 11th lowest rate for alcohol-related driving fatalities with 27% of all fatalities attributed to drunk driving in 2018 according to Mothers Against Drunk Driving (MADD).
  7. Utah ranked 8th nationally when it comes to speeding related fatalities, with 29% of all Utah car accident deaths due to excessive speed in 2018 according to the Utah Department of Public Safety.
  8. Utah has among the highest rates for seatbelt use, with a 95% usage rate among vehicle occupants aged 8 or older as reported by Utah's Zero Fatalities Program.
  9. Utah has the 10th most rural roads per capita in the country, with over 649 miles of rural roadways according to The Utah Highway Safety Office.
  10. Utah is one of just 12 states that doesn't require motorcycle operators and passengers to wear helmets at all times according to AAA Digest of Motor Laws.
  11. Utah ranked 4th for lowest percentage of fatal crashes involving road departures at 28.5% according to The Utah Highway Safety Office.

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