Cedar City, UT Car Insurance

What should residents of Cedar City expect to pay for their car insurance? Compared to their surrounding area, how do rates in Cedar City stack up? What about against the rest of Utah? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Cedar City?

Compared to the rest of the Utah, coverage in Cedar City is about $9 a month cheaper.

Similarly, car insurance rates in Cedar City are more affordable than the national average. Auto insurance coverage in Cedar City is about $27 cheaper than it is for the rest of the U.S.

While these are the average car insurance rates for Cedar City, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Cedar City residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Cedar City.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Cedar City actually defies this trend. While female drivers pay $58 a month to insure their vehicle, males only pay about $48.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Cedar City, drivers with one accident on their record will experience rates around $55 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Cedar City are usually trucks and vans, at $47 per month.

SUV drivers will see rates of about $51 for car insurance, while car owners by and large pay around $57 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Cedar City, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

In Cedar City, the difference in rates based on relationship status can be as much as $12 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Cedar City. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Cedar City, UT

Recent trends in car insurance for Cedar City drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Cedar City, the rates for car insurance have been mixed over the past few years. They increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $59 in 2022.

How does Cedar City compare to neighboring areas?

Why are car insurance rates in Cedar City different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Crime rates
• Number of drivers in the region
• Off-street parking access
• General road safety (how many accidents each locality has)
• Area laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Cedar City?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Cedar City.

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Cedar City Insurance FAQs

What factors affect car insurance quotes in Cedar City?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Cedar City different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Cedar City?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Cedar City?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cedar City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?