Cheap Car Insurance in Sandy, UT

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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In the market for cheap auto insurance in Sandy, UT? From, you could find the best insurance rates where you live. To receive free car insurance estimates available from the top rated providers today, key your zip code within the quote box in this posting.

Sandy sits along the Wasatch Mountain base just south of Salt Lake City. Once a popular travelling route for nomadic tribes of Native Americans, it soon attracted permanent settlers from the quickly-growing Salt Lake City. Today, Sandy is famous for its shopping centers and entertainment, such as Tinto Stadium and the Southtowne Exposition Center.

  • Fun fact: whoa, this place is huge…because Sandy is #2 on the list of “Top 100 cities with biggest houses (pop. 50,000+)”. Read up on Sandy by visiting here.

Auto Insurance Coverage Requirements in Utah

Driving legally in Sandy requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/65,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Personal Injury Protection Not required Utah basic plan/ $3,000 medical
Collision Not required 500 deductible
Comprehensive Not required 1000 deductible

Utah only requires that its drivers carry Liability coverage, and in slightly higher amounts than you might find in other states. For some vehicles, this coverage is adequate enough that they don’t need to purchase anything else. But for most drivers, such as those driving newer cars or those who worry about theft, the state minimum limits won’t be enough.

Your average resident may be paying as much as $99 each month (or higher) just to maintain basic Utah car insurance coverage. However, lucky Sandy drivers who act now can lower that down to about $34/mo*!

Average Monthly Auto Insurance Premiums Legend: Sandy Unigard Allied Nationwide State Farm Allstate 5 10 15 20 25 30 35 40 45 50 $43 $38 $46 $51 $52


If price is all that matters to you, and you don’t have any adverse circumstances in your driver profile (young age, bad credit, several DUIs, etc), try comparing quotes from Allied or Uniguard. But it’s also a good idea to do your research on each company, just to make sure you’re not trading a lower rate for poor service.

Those that supply auto insurance plans consider many factors while figuring out insurance rates, particularly driving experience, zip code, the type of car or truck you own, driving distance to work, and the current limits and coverage on your auto insurance. Also remember that premiums differ from company to company. To confirm that you’re still being charged the best cost, examine cheap Sandy auto insurance quotes online.

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Major Car Insurance Factors in Sandy

When your auto insurance provider prepares to create your insurance policy, they usually take numerous variables into consideration. Some, like your particular location or your age, tend to be improbable to vary. A few other elements might be:

Your Zip Code

The parking space where you park your car each night will likely have a significant impact on your auto insurance rate. Usually, auto insurance is cheaper in rural locations merely because a lower number of cars signifies a smaller possibility that you’re going to get in a wreck with some other car. The population of Sandy is 90,231 plus the usual family income might reach $77,719.

Auto Insurance by Zip Code Legend: West Jordan Salt Lake City West Valley City Sandy Provo Unigard Allied Nationwide State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 $35 $43 $43 $43 $43 $38 $39 $42 $38 $35 $46 $47 $50 $46 $45 $54 $46 $54 $51 $48 $54 $54 $55 $52 $50


Automotive Accidents

Accident statistics in Sandy are thankfully low, as you can see in the chart following this paragraph. And this is more than just good news for the obvious reasons. Your local insurance provider is probably charging you a lower rate right now as a reward for living in and driving around in a safe town.

Fatal Accidents in Sandy, UT Legend: Sandy Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 4 7 4 13 1


Auto Thefts in Sandy

Virtually all insurance agencies have concerns about auto theft; this is especially true for motorists who reside in sizeable areas. The greater the number of people, the better the chance that you will have to file an auto burglary claim. In 2013, the number of auto thefts in Sandy jumped to 193. And if auto thefts are on the rise in your area, then you should protect yourself with some Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Unigard Allied Nationwide State Farm Allstate 10 20 30 40 50 60 70 80 90 100 110 $43 $91 $38 $57 $46 $83 $51 $91 $52 $111


Your Credit Score

If you have poor credit, you could be paying up to double or more than what drivers with good credit are paying. Some companies will give you a bit of a break. But for most other providers, your credit score will have a huge influence over what you pay.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Unigard Allied Nationwide State Farm Allstate 10 20 30 40 50 60 70 80 90 100 110 120 $36 $57 $36 $53 $41 $63 $35 $124 $48 $69


Your Age

Trying to insure a young driver for a low price is tough. Their youth and lack of driving experience makes accidents, and serious ones at that, much more likely to occur. Bundling your teen driver to your family policy could help, as well as taking advantage of Good Student discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Unigard Allied Nationwide State Farm Allstate 20 40 60 80 100 120 140 160 180 200 $43 $175 $38 $162 $46 $174 $51 $210 $52 $162


Your Driving Record

Accident Forgiveness is a new type of discount which certain providers are offering their customers. If you have less-than perfect driving record, you could get one of your violations “forgiven” when your insurance company calculates your monthly premium.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Unigard Allied Nationwide State Farm Allstate 10 20 30 40 50 60 70 80 90 $43 $56 $74 $67 $38 $46 $78 $57 $46 $54 $93 $69 $51 $57 $57 $62 $52 $56 $66 $71


Your Vehicle

Technically, unless you are leasing your vehicle, you can purchase as much or as little coverage as you want, even on a luxury vehicle, as long as you meet the state minimum requirements. But it’s not a very smart idea to insure an expensive, luxury vehicle with just a few thousand dollars’ worth of Liability coverage. Your agent can help you figure out exactly how much coverage you should carry based on your vehicle, how expensive it is, and other personal circumstances.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Unigard Allied Nationwide State Farm Allstate 15 30 45 60 75 90 105 120 $43 $109 $38 $60 $46 $88 $51 $118 $52 $123


Minor Car Insurance Factors in Sandy

Don't forget about the factors listed below when estimating your insurance costs (because your insurance company sure won't):

Your Marital Status

Married couples should know three words: bundle, bundle, bundle. Bundling all of your financial products together under the same company can lead to some very helpful discounts. And married couples have more things in common (a house, cars, etc) so they have the best opportunity to take advantage of these discounts.

Your Gender

Do you know which gender is the safer driver? If you said “no”, well, you just gave the same answer as most insurance companies. Since there is no empirical data which conclusively proves that one sex is riskier behind the wheel than the other, many don’t even charge different rates based on gender anymore.

Your Driving Distance to Work

Commuting for work in Sandy might be a little hectic; the average amount of time spent en route for city motorists can last 20 to 24 minutes on average! Also, around 77% of locals would rather use their own truck or car alone in order to get there, so prepare for traffic jams. Approximately 5-17% carpool.

How many miles per year do you think you’d have to shave off your odometer in order to save 5% on your monthly premiums? 100 miles? A thousand? It’s actually much closer to around 5,000 miles; and even then the discount rarely exceeds 3-4%.

Your Coverage and Deductibles

Do you know how much your deductible is off the top of your head? It’s actually a very important number that you should become familiar with if you aren’t already. Low deductibles will raise your monthly premium, whereas high deductibles will lower your rates - but they will also make it difficult to process a claim if you wreck your car during a financially lean time.

Education in Sandy, UT

There are a lot of highly educated residents living in Sandy – almost 24% of the local population has successfully obtained their bachelor’s degree. There are also many locals who have at least one year (or more) of college experience – over 23%. And the more education you have, the more money you can save on your auto insurance policy!

You have a couple of local options when searching for a higher education in Sandy. The Salt Lake City Community College network has a satellite campus located in the heart of Sandy and helps over 60,000 students throughout Utah earn associate’s degrees in engineering, applied science, and the arts. Similarly, there is a DeVry University campus located within the city limits. For those willing to commute, there are plenty more opportunities in nearby Salt Lake City, West Jordan, or West Valley City.

You shouldn’t let an undesirable car insurance agency persuade you into buying a car insurance policy that’s not ideal for you. Sure, the sum of information needed in order to estimate your individual risk profile could be frustrating, however comparison web pages like this will help make things much easier. Simply just enter in just a few factors below, and then we shall do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Utah Insurance Department

Utah Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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