Car insurance costs an average of $116 each month in Sandy. Paying too much? Enter your ZIP to compare rates.
Auto insurance costs an average of $1,398 per year in Sandy. That's more than the average rate in Utah ($1,306) and cheaper than the national average of $1,548. Our guide to Sandy auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to find out more.
| Sandy Average (annual) | Utah Average | National Average |
| $1,398 | $1,306 | $1,548 |
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the carrier from which you receive the most affordable quote. For a typical insurance customer, Bear River provides Sandy's cheapest rates. See below the best companies for cheap auto insurance in Sandy.
| Insurance Company | Average Annual Rate |
| Bear River | $666 |
| GEICO | $1,139 |
| Iowa Farm Bureau | $1,195 |
| AAA | $1,227 |
| Progressive | $1,359 |
Read our guide to finding the best cheap auto insurance.
The age group that pays the least for car insurance in Sandy are drivers in their 50s ($1,343 per year). Drivers in their 60s pay marginally higher rates — $1,378 per year.
Teenage drivers pay Sandy's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Sandy is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Sandy is $3,309, the largest such difference between any two age groups.
| Age group | Average Annual Rate |
| Teenagers | $5,212 |
| 20s | $1,903 |
| 30s | $1,435 |
| 40s | $1,417 |
| 50s | $1,343 |
| 60s | $1,378 |
| 70s | $1,688 |
Learn more about the impact of age on car insurance premiums.
Marital status and gender are contributing factors to car insurance rates in some cases. In Sandy, married drivers pay $90 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.
Gender is another factor that can influence auto insurance rates. In Sandy, female drivers pay $71 per year more than do male drivers.
| Marital Status/Gender | Average Annual Rate |
| Female | $1,469 |
| Male | $1,398 |
| Single | $1,398 |
| Married | $1,308 |
| Divorced | $1,364 |
| Widowed | $1,338 |
Find out more about how gender and marital status have on auto insurance rates.
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Sandy, a reckless driving citation results in an average insurance rate increase of $607 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $465 increase, and a speeding ticket brings about a $203 rate hike.
| Incident | Average Yearly Rate |
| DUI/DWI | $1,863 |
| Reckless Driving | $2,005 |
| At-fault Accident (damages less than $1,000) | $1,821 |
| At-fault Accident (damages greater than $2,000) | $1,902 |
| Speeding Ticket (16-20 mph over speed limit) | $1,601 |
Learn more about citations' impact on your auto insurance rates.
An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Sandy drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to bring down the cost of your auto insurance. In Sandy, improving your credit to "Fair" could help you earn $634 in savings on insurance premiums each year.
| Credit Level | Average Yearly Rate |
| Very Poor | $2,854 |
| Fair | $2,220 |
| Good | $1,788 |
| Very Good | $1,473 |
| Exceptional | $1,182 |
Discover more about the relationship between credit scores and car insurance rates.