Ogden car insurance costs an average of $230 a month, or $2,759 a year, for full coverage as of 2026, according to InsuranceQuotes.com’s rate data for the area — compared with roughly $96 a month for state-minimum liability alone. Daily I-15 corridor traffic between Ogden and the Salt Lake City metro, plus winter driving through Ogden Canyon and the surrounding Wasatch foothills, are among the local factors carriers weigh when pricing policies here. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Rates last verified and updated: July 2026.
Car Insurance in Ogden, Utah
Ogden, Utah, nestled at the foot of the majestic Wasatch Mountains, is a vibrant city with a rich history and breathtaking natural beauty. Located in Weber County, Ogden is known for its unique blend of outdoor recreation, cultural attractions, and warm community spirit.
Every Ogden driver’s premium reflects more than the scenery — daily commutes along I-15 and US-89, winter driving through Ogden Canyon, and a mix of urban and mountain-adjacent neighborhoods all factor into how carriers price risk here. Comparing quotes from multiple providers is the clearest way to see what your specific address and driving habits mean for your rate, and to find the policy that gets you back on the road.
What is the Average Cost of Car Insurance in Ogden?
According to our recent insurance quotes cost database for Ogden, Utah – the average cost rates for state minimum coverage is $96 monthly or $1,156 yearly. A full coverage policy would cost $230 a month or $2,759 a year.
Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on your current city.
Which Provider Has the Cheapest Car Insurance in Ogden?
In Ogden the cheapest providers are Progressive, Geico and Allstate. Here is a cost breakdown of each for state minimum liability and full coverage costs on average based on insurance provider quotes:
| Insurance Provider: | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| Progressive | $814 | $68 | $2,088 | $174 |
| GEICO | $896 | $75 | $2,194 | $183 |
| Allstate | $1,065 | $89 | $2,697 | $225 |
| Mid Century | $1,501 | $125 | $3,514 | $293 |
| State Farm | $1,505 | $125 | $3,302 | $275 |
Average Cost of Car Insurance in UT by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.
Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:
- 4 Door Car: $1,084
- SUV: $986
- Truck: $1,128
- Hybrid Electric Vehicle: $989
- 2 Door Coupe: $898
Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:
| Used Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4 Door): | $1,084 | $2,651 |
| Hybrid Electric: | $989 | $2,792 |
| Luxury Coupe (2 Door): | $898 | $3,565 |
| SUV: | $986 | $2,362 |
| Truck: | $1,128 | $3,029 |
New Vehicle Car Insurance Costs in Utah
For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:
| New Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4Door): | $1,012 | $3,032 |
| Hybrid Electic: | $1,025 | $3,111 |
| Luxury Coupe | $917 | $4,064 |
| SUV: | $983 | $2,636 |
| Truck: | $1,139 | $3,522 |
Compare Costs by Utah City
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
How Age Affects Auto Coverage Costs in Utah
Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.
Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.
Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.
Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:
| Age | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| 17 | $3,614 | $301 | $9,595 | $800 |
| 18 | $3,001 | $250 | $8,311 | $693 |
| 20 | $1,867 | $156 | $5,263 | $439 |
| 22 | $1,301 | $108 | $3,731 | $311 |
| 24 | $1,109 | $92 | $3,197 | $266 |
| 29 | $1,008 | $84 | $2,882 | $240 |
| 34 | $981 | $82 | $2,766 | $231 |
| 39 | $988 | $82 | $2,770 | $231 |
| 44 | $995 | $83 | $2,781 | $232 |
| 49 | $981 | $82 | $2,738 | $228 |
Beyond comparing quotes, it’s worth checking how Utah car insurance rates in Ogden stack up against other Weber County and Wasatch Front communities, and confirming current state requirements directly through the Utah Insurance Department.
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $30,000 per person
- $65,000 per accident
- $25,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
Ogden car insurance averages approximately $155 per month for full coverage in 2026, close to the Utah statewide average. Ogden’s smaller size and lighter traffic compared to Salt Lake City help keep premiums moderate.
Utah requires liability coverage of at least 30/65/25 — $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage — along with $3,000 in Personal Injury Protection (PIP). Utah is a no-fault state, and insurers cannot apply a deductible to PIP benefits.
Ogden is home to Hill Air Force Base, one of the region’s largest employers, and many local drivers qualify for military and multi-policy discounts. The historic railroad town’s mix of urban core and surrounding Weber County suburbs keeps rates moderate compared to the busier Salt Lake City market.
State Farm and GEICO are typically competitive in Ogden. Military discounts through USAA are also worth checking given the proximity to Hill Air Force Base.
Yes. Northern Utah’s winter snow and ice increase the risk of weather-related collisions, and comprehensive coverage also protects against deer strikes, which are common in the foothill areas surrounding Ogden.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
