A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Nephi, UT for senior drivers are $1,864/year
  • The cheapest car insurance company in Nephi after a DUI is Progressive
  • Average car insurance rates in Nephi, UT are $283/month

Average car insurance rates in Nephi, Utah are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Nephi, UT. Before you buy Nephi, Utah car insurance, make sure your coverage meets or exceeds the Utah minimum of 25/65/15.

It may even be helpful to compare Nephi car insurance rates with Orem car insurance rates, Sandy car insurance rates, or Layton car insurance rates to make sure you’re getting the best Nephi, UT car insurance quotes available.

Need affordable Nephi, UT car insurance? Enter your ZIP code to compare Nephi car insurance quotes from multiple car insurance companies near you.

Nephi, UT Minimum Car Insurance Coverage

Nephi, Utah law requires drivers carry a minimum of 25/65/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Nephi, Utah

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$65,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Nephi, UT Car Insurance Rates by Coverage Level

Some Nephi drivers can get by with the Utah minimum coverage of 25/65/15. Other drivers may need more. See how much your Nephi, Utah car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Nephi, Utah

Insurance Company Low Medium High
Allstate $3,056 $3,201 $3,368
American Family $3,455 $3,588 $3,582
Farmers $3,356 $3,611 $4,020
GEICO $2,730 $2,914 $3,135
Liberty Mutual $3,956 $4,135 $4,363
Nationwide $3,155 $2,739 $2,754
Progressive $3,186 $3,342 $3,771
State Farm $4,038 $4,285 $4,504
USAA $2,324 $2,432 $2,535

Nephi, UT Car Insurance Rates by Age, Gender, and Marital Status

Nephi, Utah car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Nephi, UT car insurance, get quotes from multiple car insurance companies in the Nephi area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Nephi, Utah

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,094 $1,933 $1,905 $1,899 $6,370 $7,076 $2,206 $2,183
American Family $1,979 $1,979 $1,815 $1,815 $7,096 $9,328 $1,979 $2,345
Farmers $1,979 $1,953 $1,746 $1,859 $8,460 $8,714 $2,253 $2,336
GEICO $1,896 $2,112 $2,068 $2,389 $5,626 $6,011 $1,647 $1,664
Liberty Mutual $2,381 $2,564 $1,976 $2,201 $8,950 $9,941 $2,516 $2,680
Nationwide $1,866 $1,887 $1,670 $1,757 $5,031 $6,394 $2,152 $2,305
Progressive $1,876 $1,743 $1,531 $1,638 $7,691 $8,534 $2,169 $2,282
State Farm $2,633 $2,633 $2,382 $2,382 $7,930 $9,839 $2,983 $3,426
USAA $1,405 $1,383 $1,258 $1,261 $4,867 $5,686 $1,712 $1,871

Nephi, UT Car Insurance Rates for Teens

How much is Nephi, Utah car insurance for teens? Compare rates from top Nephi car insurance companies below to help find the cheapest teen car insurance in Nephi, UT.

Annual Car Insurance Rates for Teen Drivers in Nephi, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,370 $7,076
American Family $7,096 $9,328
Farmers $8,460 $8,714
GEICO $5,626 $6,011
Liberty Mutual $8,950 $9,941
Nationwide $5,031 $6,394
Progressive $7,691 $8,534
State Farm $7,930 $9,839
USAA $4,867 $5,686

Nephi, UT Car Insurance Rates for Seniors

Before seniors buy Nephi, Utah car insurance, they should make sure to shop around. Some Nephi, UT car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Nephi, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,905 $1,899
American Family $1,815 $1,815
Farmers $1,746 $1,859
GEICO $2,068 $2,389
Liberty Mutual $1,976 $2,201
Nationwide $1,670 $1,757
Progressive $1,531 $1,638
State Farm $2,382 $2,382
USAA $1,258 $1,261

Nephi, UT Car Insurance Rates by Credit History

How does your credit history affect Nephi, UT car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Nephi, Utah

Insurance Company Poor Fair Good
Allstate $4,296 $2,877 $2,452
American Family $4,451 $3,337 $2,838
Farmers $4,191 $3,486 $3,310
GEICO $4,460 $2,470 $1,850
Liberty Mutual $5,930 $3,643 $2,880
Nationwide $3,570 $2,697 $2,381
Progressive $3,884 $3,325 $3,090
State Farm $6,956 $3,503 $2,368
USAA $3,488 $2,220 $1,583

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Nephi, UT Car Insurance Rates by Driver History

How does a single speeding ticket affect your Nephi, Utah car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Nephi.

Annual Nephi, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,718 $3,271 $3,791 $3,054
American Family $2,928 $3,646 $4,307 $3,286
Farmers $3,115 $4,058 $3,939 $3,538
GEICO $2,131 $3,301 $3,801 $2,473
Liberty Mutual $3,262 $4,450 $4,803 $4,090
Nationwide $2,291 $3,080 $3,606 $2,554
Progressive $2,899 $4,401 $3,033 $3,400
State Farm $3,893 $4,658 $4,276 $4,276
USAA $1,912 $2,415 $3,252 $2,142

Nephi, UT Car Insurance Rates With a DUI

Even a single DUI can increase your Nephi, UT car insurance rates. Compare rates below to see which Nephi car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Nephi, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,791
American Family $4,307
Farmers $3,939
GEICO $3,801
Liberty Mutual $4,803
Nationwide $3,606
Progressive $3,033
State Farm $4,276
USAA $3,252

Nephi, UT Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Nephi, UT car insurance rates may be. Let’s take a look at average car insurance rates from top Nephi companies based on commute time.

Annual Car Insurance Rates by Commute Length in Nephi, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,208 $3,208
American Family $3,539 $3,544
Farmers $3,662 $3,662
GEICO $2,875 $2,978
Liberty Mutual $4,082 $4,220
Nationwide $2,883 $2,883
Progressive $3,433 $3,433
State Farm $4,170 $4,382
USAA $2,403 $2,457

Nephi, UT Cheapest Car Insurance Rates

How do the top Nephi, Utah car insurance companies’ average rates stack up against the Nephi average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in Nephi, Utah

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Nephi, UT Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Nephi, Utah car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Nephi, Utah

Insurance Company Average Annual Rates
Allstate $3,208
American Family $3,542
Farmers $3,662
GEICO $2,927
Liberty Mutual $4,151
Nationwide $2,883
Progressive $3,433
State Farm $4,276
USAA $2,430

Other Factors Affecting Nephi, UT Car Insurance Rates

Before you buy Nephi, Utah car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Nephi, UT Commute Time

How does your Nephi, UT commute time compare with the average driver? In Nephi, the average commute is 23.0 minutes.

Nephi, UT Car Insurance Quotes

Compare Nephi, UT car insurance quotes from multiple companies by entering your ZIP code now.