Sandy, UT Car Insurance

Car insurance costs an average of $116 each month in Sandy. Paying too much? Enter your ZIP to compare rates.

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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 CAR INSURANCE RATES
Sandy Average (annual)Utah AverageNational 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.


SANDY CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage 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.


SANDY CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage 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.


SANDY CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.


AVERAGE SANDY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage 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.


SANDY AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage 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.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.