Cheapest Car Insurance In St George, UT 2024

When searching for the most affordable car insurance in St. George, UT, the options vary widely.

For the lowest liability-only coverage, GEICO is the top choice. Drivers needing more comprehensive protection will find the best rates with USAA for full coverage policies. Additionally, Clearcover offers the cheapest rates for young drivers.

Cheapest Full Coverage Car Insurance In St George: USAA

USAA offers the lowest rates for full coverage car insurance in St. George, with average quotes around $90 per month.

Full coverage car insurance offers extensive protection beyond the basic coverage required by law. It usually includes both comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters. Collision coverage provides financial protection for vehicle damage from accidents, regardless of who is at fault.

Cheapest Minimum Coverage Car Insurance In St George: GEICO

In St. George, GEICO offers the most affordable rates for minimum coverage, averaging $80 per month.

Minimum car insurance provides basic protection but does not cover damage to your own vehicle from accidents or other events like theft or natural disasters. To protect against these risks, you need collision and comprehensive insurance.

Cheapest Minimum Coverage Car Insurance In St George: GEICO

In St. George, GEICO offers the most affordable rates for minimum coverage, averaging $80 per month.

Minimum car insurance provides basic protection but does not cover damage to your own vehicle from accidents or other events like theft or natural disasters. To protect against these risks, you need collision and comprehensive insurance.

Cheapest Auto Insurance Rates In St George For Teenagers: Clearcover

Teenage drivers in St. George can get the most affordable car insurance from Clearcover, with average monthly premiums of $60.

Teenage drivers typically encounter the highest car insurance premiums because their lack of experience makes them higher-risk drivers. Insurers view these young drivers as more likely to be involved in accidents or receive traffic violations, leading to increased rates.

Cheapest Auto Insurance Rates In St George For Teenagers: Clearcover

Teenage drivers in St. George can get the most affordable car insurance from Clearcover, with average monthly premiums of $60.

Teenage drivers typically encounter the highest car insurance premiums because their lack of experience makes them higher-risk drivers. Insurers view these young drivers as more likely to be involved in accidents or receive traffic violations, leading to increased rates.

Cheapest Auto Insurance Rates In St George For Teenagers: Clearcover

Teenage drivers in St. George can get the most affordable car insurance from Clearcover, with average monthly premiums of $60.

Teenage drivers typically encounter the highest car insurance premiums because their lack of experience makes them higher-risk drivers. Insurers view these young drivers as more likely to be involved in accidents or receive traffic violations, leading to increased rates.

Cheapest Auto Insurance Rates In St George For Teenagers: Clearcover

Teenage drivers in St. George can get the most affordable car insurance from Clearcover, with average monthly premiums of $60.

Teenage drivers typically encounter the highest car insurance premiums because their lack of experience makes them higher-risk drivers. Insurers view these young drivers as more likely to be involved in accidents or receive traffic violations, leading to increased rates.

Cheapest Car Insurance In St George For Seniors: Clearcover

Clearcover offers the most affordable car insurance for seniors in St. George, with average monthly rates of $65.

In Utah, many seniors can benefit from favorable car insurance rates due to various positive factors. While age often affects insurance rates, with older drivers sometimes perceived as having decreased driving ability, this generalization doesn’t apply to everyone.

Cheapest Car Insurance In St George For Young Adults: Clearcover

In St. George, Clearcover provides the lowest car insurance rates for young adults, with average premiums around $50 per month.

In Utah, young adults generally enjoy lower car insurance rates compared to teenagers. This is because as drivers grow older, their driving habits tend to mature, leading to fewer risky behaviors. Young adults are statistically less likely to make insurance claims, which reflects a decrease in accidents. As a result, insurance companies often lower premiums for young adults, recognizing their improved safety records and reduced likelihood of filing claims.

Cheapest Car Insurance Companies In St George For Drivers With Prior Incidents

In St. George, drivers with traffic violations such as accidents, speeding, or DUIs often struggle to find affordable car insurance. Insurance companies classify these drivers as high-risk due to the increased likelihood of future claims. As a result, insurers raise their rates to cover the potential costs associated with higher risk.

Cheapest Car Insurance In St George After A Speeding Ticket: State Farm

State Farm offers some of the lowest car insurance rates compared to other providers, with average monthly premiums around $125.

Cheapest Car Insurance In St George After At-Fault Accident: State Farm

State Farm provides the most affordable car insurance rates for drivers with an at-fault incident, averaging $135 per month.

Cheapest Car Insurance In St George For Drivers After A DUI: State Farm

State Farm offers the lowest car insurance rates for drivers with a DUI in St George, with average monthly premiums of $115.

Cheapest Car Insurance In St George For Good Drivers: GEICO

In St. George, drivers with clean records can get the most affordable car insurance from GEICO, with average rates around $80 a month.

In St. George, drivers with clean driving records usually enjoy lower car insurance rates. Insurance companies view these drivers as lower risk because fewer accidents or traffic violations indicate safer driving habits. Since insurers base their rates on the likelihood of claims, a clean record can result in substantial savings on premiums. Essentially, the fewer incidents on your record, the lower the perceived risk, and therefore, the lower the insurance cost.

Best Car Insurance Companies In St George

For drivers in St George, finding the right car insurance company involves balancing affordable rates with reliable coverage. Below are the top 10 car insurance companies in St George, UT, listed by their average monthly rates.

How Much Is Car Insurance In Other Cities in Utah?

Where you live greatly affects your car insurance rates. Insurance companies consider factors like accident rates, vehicle theft, and vandalism, which tend to be higher in urban areas. This increased risk usually results in higher insurance premiums.

Average Cost Of Car Insurance In St George – By Age

Age plays a crucial role in determining car insurance rates. Younger drivers, especially teens and young adults, often face higher premiums because of their inexperience and higher risk of accidents and traffic violations. As drivers grow older and typically reach the age of 25, their rates often begin to drop, provided they maintain a clean driving record. Drivers in their 50s and early 60s usually benefit from the most favorable insurance rates. Insurance companies use age to assess driving experience and potential risk, which influences the cost of premiums.