Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

How much is auto insurance in Sandy?

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

Table of contents:

Sandy car insurance premiums by provider

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.

Sandy car insurance costs by age

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.

Sandy auto insurance rates by gender and marital status

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.

Sandy auto insurance rates by accident and citation history

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.

Sandy auto insurance premiums by credit score

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.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.