Get Affordable Midvale, UT Auto Insurance Quotes (2024)

Midvale Auto Insurance Summary

Midvale, Utah, is known as one of the best places to live in the state. Centrally located in Salt Lake County, if you’re living in Midvale, Utah, auto insurance that can protect you without breaking the bank is imperative, but finding the best insurance for you can seem daunting. We understand.

Keep reading and we’ll teach you how to get affordable car insurance rates. Ready to start comparison shopping? Before reading more about Midvale, Utah insurance, enter your ZIP code into our FREE tool below to compare auto insurance rates instantly.

Midvale, UT Auto Insurance Agents

Are you looking for the best auto insurance rates in Midvale? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Midvale online, please enter your Midvale zip code at the top of this page to get the cheapest car insurance quotes in the area.

Utah Insurance Options
90 W Center St, Midvale, UT 84047
(801) 6478196

Patrick Sanchez
7300 S 300 W, Midvale, UT 84047
(801) 5668797

Central Bonds & Insurance Agency
411 W 7200 S, Midvale, UT 84047
(801) 5667272

Gillen & Associates
8138 S State St, Midvale, UT 84047
(801) 5663981

American Executive Insurance Agency
7200 South 75 East Suite 151 , Midvale, UT 84047
(801) 6766537

Cedar Crest Insurance
8282 S State St Ste 16, Midvale, UT 84047
(801) 5662300

MetLife Auto & Home McClellan
75 Fort Union Blvd Ste C127, Midvale, UT 84047
(801) 6850437

Sindt Agency
75 E 7200 S Ste C157, Midvale, UT 84047
(801) 5680550

Caleb Bowen
119 E 7200 S, Midvale, UT 84047
(801) 2556885

Cindy S Hatch
7065 S State St # 3, Midvale, UT 84047
(801) 4783000

Michael Brown
7065 S State St # 3, Midvale, UT 84047
(801) 8161675

Scott Stewart
7065 S State St # 3, Midvale, UT 84047
(801) 5633300

Troy Martinez
7044 S State St, Midvale, UT 84047
(801) 4322090

United Insurance Service
193 E Fort Union Blvd Ste 202, Midvale, UT 84047
(801) 5769292

Ned Timothy
15 E 8800 S, Sandy, UT 84070
(801) 5618868

Lance Paulson
7673 S 700 E, Midvale, UT 84047
(801) 8786300

Commercial Underwriters Insurance Agency
623 E Fort Union Blvd Ste 104, Salt Lake City, UT 84047
(801) 3521161

Carolyn Bitner
140 W 9000 S Ste 12, Sandy, UT 84070
(801) 3529233

Rio Grande Insurance
140 W 9000 S Ste 12, Sandy, UT 84070
(801) 5806675

Franz & Associates Insurance
8307 S 700 E, Sandy, UT 84070
(801) 2552252

InfiniTeam Insurance
39 W 9000 S, Sandy, UT 84070
(801) 6196288

Nationwide Agency
236 E Winchester St, Murray, UT 84107
(801) 2816628

Dan Kasteler MetLife
9125 S 150 W Ste B, Sandy, UT 84070
(801) 7482900

Coordinated Insurance Services
9135 Monroe St Ste B, Sandy, UT 84070
(801) 5689800

Naylor Insurance Agency
8494 S 700 E Ste 100, Sandy, UT 84070
(801) 5622244

Intermountain Insurance Services
9137 S 150 W Ste D, Sandy, UT 84070
(801) 4959711

Academy Financial & Insurance
9149 S Monroe Plaza Way Ste A, Sandy, UT 84070
(801) 6195155

Steven Fisher
8431 S 700 E, Sandy, UT 84070
(801) 5611438

BD&C Insurance Agency
9160 S 300 W Ste 24, Sandy, UT 84070
(801) 4413050

Pacific Crest Services
9135 S Monroe Plaza Way, Sandy, UT 84070
(801) 2098192

Josue Reyes
9140 S State St Ste 201, Sandy, UT 84070
(801) 2327592

Scott Black
9176 S 300 W Ste 25, Sandy, UT 84070
(801) 2561168

Wasatch Preferred
9133 Monroe Plaza Way Ste B, Sandy, UT 84070
(801) 6767101

Ability Insurance Agency
6933 S 1300 W, West Jordan, UT 84084
(801) 7277277

Lincoln Insurance Group
9176 S 300 W Ste 4, Sandy, UT 84070
(801) 6013101

Paul A Young Insurance Agency
918 E South Union Ave, Midvale, UT 84047
(801) 5621800

Para Hispanos Insurance Agency
1572 W 7800 S Ste B, West Jordan, UT 84088
(801) 5690700

Jorge Alvarez
1594 W 7800 S, West Jordan, UT 84088
(801) 4839635

Dan Costley
7026 S 900 E, Midvale, UT 84047
(801) 5667263

Micheal Matthews
6056 S State St, Murray, UT 84107
(801) 2812833

Wilkins & Associates Insurance Agency
175 E 6100 S, Murray, UT 84107
(801) 2686834

Advance Insurance West Jordan
7604 S Redwood Rd, West Jordan, UT 84084
(801) 9751771

MetLife Auto & Home
9350 S 150 E, Sandy, UT 84070
(801) 2550174

Platinum Insurance
756 E Winchester St Ste 290, Murray, UT 84107
(801) 3020600

Mike Erekson
5969 S State St, Murray, UT 84107
(801) 2636300

Cory R Cooper Insurance Agency
8941 S 700 E Ste 202, Sandy, UT 84070
(801) 3079011

Lynn Mecham
1106 E South Union Ave Ste 2, Midvale, UT 84047
(801) 5661919

Quomation Insurance
7400 S Union Park Ave Ste 101, Midvale, UT 84047
(801) 2261395

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Auto Insurance Rates in Midvale, UT

Auto insurance costs in Midvale are higher than the national average. But don’t worry, this guide will help you secure the best auto insurance rates in Midvale.

Insurance companies determine your auto insurance rates by age and gender, but they also determine your auto insurance by zip code, driving record, commute length, and even credit history. We’ll share some tips and hacks to help you lock in the most favorable rates, and we’ll also examine the actual auto insurance costs that people in Midvale typically incur. Explore the real rates paid by Midvale residents for cheap Utah auto insurance.

Does gender and age affect my auto insurance in Midvale, UT?

Companies will determine your auto insurance rates by gender and age. Of the two, age is the more impactful demographic. Take a look at the difference women pay versus men for Midvale auto insurance.

Midvale, UT Average Annual Auto Insurance Rates by Gender

Women save around $16.42/mo on auto insurance compared to male drivers. Age differences, on the other hand, create a much wider savings gap. According to DataUSA, the average age in Midvale is 30.6, but it’s the 60-year-olds and above who get the cheapest auto insurance rates in this city. Take a look at the table below and see where you fit in.

Midvale, UT Average Annual Auto Insurance Rates by Age

If you’re 25 years old, you’re paying $23.54/mo more on your auto insurance than 35-year-olds living in your city. You’re paying $37.22 more per month than your fellow 60-year-olds.

Perhaps the most striking difference is teenage drivers, who pay $6,403.12 more per year than 25-year-olds in Midvale, that’s a massive $533.59/mo.

The following table shows average rates for Midvale residents combining both age and gender.

Midvale, UT Average Auto Insurance Rates by Age and Gender

How does age affect auto insurance rates? Younger drivers have higher-than-average auto insurance rates due to their lack of driving experience. Insurance companies assume that due to their limited experience, they are at a higher risk for an accident, and therefore coverage costs more.

While in most states, companies can legally base average auto insurance rates by gender and age monthly, states like Calfornia have banned using gender as a determining factor.

What ZIP codes have the cheapest auto insurance rates in Midvale, UT?

Why are insurance costs higher in some ZIP codes? The lowest insurance ZIP codes are often in safe, low-risk areas with very little crime. The areas with the highest auto insurance rates by ZIP codes tend to have higher crime rates.

Midvale only has two different ZIP codes throughout the entire city, but there is a difference in what you pay on average based on which part of the city you live in. See the table below to compare insurance by ZIP codes reviews.

Midvale, UT Average Annual Auto Insurance Rates by ZIP Code

If you live in 84070, you’re saving around $13.62/mo on Midvale auto insurance as compared to those living in 84047.

Which companies have the best auto insurance rates in Midvale, UT?

Our goal is to help you secure lower auto insurance rates, so let’s start by comparing different Midvale auto insurance reviews. To avoid paying the highest auto insurance rates by Midvale standards, there are some important factors you can focus on, like your commute length, credit history, and driving record.

Cheapest Auto Insurance Rates by Company

The cheapest auto insurance company in Midvale is USAA, but only active or retired military personnel and their families are eligible to use this company. If you do not qualify for USAA, there are other affordable options. Take a look at the table below and see where you best fit in.

Midvale, UT Average Annual Auto Insurance Rates by Company

If you’re 25 years old, you’re in luck. Geico offers better average rates than USAA. Geico and Nationwide are worth looking into if you have teenage drivers in your family who need to be covered but are not eligible for USAA, as they offer the most competitive rates.

For the 60-year-old group, add Progressive to your list of companies to compare. While they may not be the most competitive for younger drivers, they offer great rates for that age bracket.

Best Auto Insurance for Commute Rates

Some companies will charge you slightly more for auto insurance if you have a longer commute. The average drive time for commuters in this city is 21.4 minutes. Less than 2 percent of Midvale residents are known as super commuters, which means they drive more than 90 minutes to get to and from work. To help you save on your overall rates, it is important to compare multiple companies when securing Midvale insurance.

Take a look at the following table to see which company can offer you your best rate based on the length of your commute.

Midvale, UT Average Annual Auto Insurance Rates by Commute

Nationwide, Progressive, and Allstate all offer the same average rates regardless of your commute length, but if you’re vying for Geico or even USAA, be mindful that a longer commute means higher auto insurance rates.

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Best Auto Insurance for Coverage Level Rates

Utah has hot, dry summers and snowy, cold winters. Fall and spring tend to be rainy, with spring being the wettest season. Many morning drives can be impacted by heavy fog and daytime haziness.

Fog can be especially dangerous for motorists, limiting visibility on the road. Black ice during the winter poses many threats as well.

Therefore, it may be worth investing in higher coverage auto insurance to help protect yourself, your family, and other drivers on the road.

Take a look at the following rates to see the difference in cost from low to high coverage auto insurance options.

Midvale, UT Average Annual Auto Insurance Rates by Coverage

Progressive, Allstate, and USAA charge around an additional $100 for medium coverage versus low coverage. Investing in higher auto insurance coverage now could help you save thousands should an accident occur.

Best Auto Insurance for Credit History Rates

Your credit history heavily impacts the rate you pay for Midvale insurance. Having good credit history can save you thousands in annual auto insurance costs. Take a look at the table below to see what we mean.

Midvale, UT Average Annual Auto Insurance Rates by Credit History

Don’t worry, if you have fair or even poor credit history USAA, Nationwide, and Geico still offer competitive rates. If you have a shorter commute and a great driving record, that can also help keep your quotes on the lower side.

Best Auto Insurance for Driving Record Rates

In Midvale, insurance rates will go up by a few hundred dollars even after just one minor driving incident like speeding. Your driving history makes a huge impact on what you pay for auto insurance.

If you can prove you’re a low-risk driver to insurance companies by having a clean driving record, they will charge you less because it means you’re less likely to get into an accident. See what we mean in the table below.

Midvale, UT Average Annual Auto Insurance Rates by Driving History

A more serious offense, like a DUI, will increase your annual rates by thousands of dollars regardless of what company you’re insurance comes from. It is always recommended to practice safe driving techniques, not only could it save your life, but it also saves you cash.

What affects auto insurance rates in Midvale, UT?

We’ve covered some different factors that affect auto insurance in the city of Midvale. But maybe you’re still wondering how are auto insurance premiums calculated? Companies take all of the demographics we’ve covered so far into consideration when determining your auto insurance quote.

Gender, age, commute length, driving record, and credit history will all be used to create your rate.

Many companies use those demographics to determine your individual auto insurance rating tiers, which defines you as a low to a high-risk driver. The lower risk you are, the less your auto insurance costs. To secure cheap auto insurance, prove to the company that you’re a low-risk driver.

Midvale, UT Metro Report

Brookings metro monitor report tracks economic progress or regression in various cities across the country. Salt Lake City, located nearby Midvale and in the same county, has experienced incredible growth between 2008 and 2018. Take a look at some of the details.

Growth:

• Jobs: +18.8 percent (10th out of 53)
• Gross metropolitan product (GMP): +28.4 percent  (10th out of 53)
• Jobs at young firms: -11.7 percent (27th out of 53)

Prosperity:

• Productivity: +8.1 percent (24th out of 53)
• Average annual wage: +13.2 percent (7th out of 53)
• Standard of living: +10.9 percent (17th out of 53)

The economic advancements in Salt Lake City have allowed for progress in the surrounding smaller towns and neighborhoods, like Midvale. More tourism and people moving to the city increases the number of drivers on the road. To combat the busier streets, it’s important to secure affordable, comprehensive auto insurance.

Median Household Income in Midvale, UT

DataUSA reports that the median household income in Midvale is $54,464, and the average cost of Midvale insurance is $3,699.74 annually. If you fall into this income bracket, 6.79 percent of your annual budget is going towards auto insurance.

Help yourself save money in the long run by shopping smarter; compare multiple companies and don’t be afraid to ask questions when searching for your best rates.

Homeownership in Midvale, UT

According to DataUSA, 63.9 percent of Americans own their home. In Midvale, only 41.5 percent of people are homeowners. The city is very popular for renters, so it may be worth asking your auto insurance company if they offer discounts for bundling renters and auto insurance.

Education in Midvale, UT

The University of Utah is the largest college nearby Midvale, located in the same county. In the city itself, there are two post-secondary education options, The Barber School and Collective Academy.

The possibility that you will be commuting to and from these schools is relatively high, especially with the abundance of rental options in the area. The right auto insurance will protect you from any potential driving incidents that may occur during your driving.

Driving in Midvale, UT

It is normal to be nervous about driving in a big city, but fortunately, comprehensive, affordable auto insurance can help put your mind at ease.

If you live in Midvale, you’ll be doing a lot of urban driving, as the city itself is centrally located in Salt Lake County and is surrounded by major highways and other major cities.

When driving in Midvale to avoid traffic, be mindful of the time of day, rush hour will always be backed up. Finding local routes to where you want to go will also help you avoid some of the bumper-to-bumper highway driving. Don’t be afraid to explore some of the city’s backroads.

What are major roads in Midvale, UT?

While the most common roads in America are local roads, Midvale is also surrounded by collector roads that connect you to major highways. Midvale also has a local transportation system known as FrontRunner, which is a commuter rail system. Midvale has a diverse amount of road type classifications, which means you’ll definitely be doing some big-city driving if you live here.

Major Highways in Midvale, UT

According to Interstate-Guide, there are five active highway routes in Utah. The closest highway to Midvale is I-15, however, the city is centrally located with easy access to most active highway routes in the state.

• I-15
• I-70
• I-80
• I-84
• I-215

Utah has a grand total of nine hundred thirty-eight miles of highway across the entire state. TollGuru states that there is a toll plaza at the Adams Avenue Parkway which connects US-89 to I-84, 2-axel cars pay $1.00 total.

Road Conditions in Midvale, UT

Midvale road conditions are relatively good. According to TRIP Net, only 9 percent of roads in the Salt Lake City area are poor share, and sixteen percent are mediocre share. Forty-five percent of all roads are fair share and 31 percent are good to share, with a vehicle operating cost of around $383 total.

Does Midvale, UT use speeding or red-light cameras?

Red-light cameras and speed cameras are currently not in use throughout the entire state of Utah, according to the Insurance Institute for Highway Saftey.

Slugly, Utah has no state laws or regulations regarding red light camera or speed camera protocols.

Remember, even a single speeding incident can increase your insurance costs by hundreds of dollars annually. Camera or no camera, hold yourself accountable, and save yourself money by always practicing safe driving techniques.

What type of vehicles are in Midvale, UT?

We already discussed the road conditions in the Salt Lake County area, and in spite of some troublesome seasonal weather, Midvale has relatively safe road conditions. According to YourMechanic, 42 percent of Salt Lake City drivers own American-made cars.

Salt Lake City drivers also love muscle cars, around 13 percent of drivers own cars with V-8 engines. However, the most popular car in the region may surprise you, keep reading to find out more.

Most Popular Vehicles Owned

In spite of the large number of drivers who purchase American-made cars, the most popular car in the Salt Lake City area is the Nissan Altima, as reported by YourMechanic. The reliable vehicle has withstood the test of time and is a staple vehicle for drivers across the country.

Check out the crash test for the 2017 Nissan Altima in this video from IIHS.

The practical, affordable vehicle is known to last but it’s also affordable to maintain. Perhaps that’s why so many drivers in the Salt Lake City area are drawn to this classic sedan?

How Many Cars Per Household

Midvale households own an average of two cars. If you fall into this category, know that you can add more than one vehicle on your auto insurance policy. Insuring multiple vehicles can even help save you money.

Households Without a Car

Only around 10.6 percent of households in the Salt Lake City area do not own cars. Looking at the numbers, 87.8 percent of all Midvale commuters either drive alone to work or carpool.

The top two most common modes of commuter transportation involve some type of driving. Therefore, it makes sense that there are so few households who do not own cars.

Speed Traps in Midvale, UT

Few things are more frustrating than suddenly seeing blue lights in your rearview mirror when you’re driving on a local road, and glancing down at your speed only to realize you’re going just a little too fast.

If you’ve ever fallen victim to a speed trap, you know you’ll get a ticket to pay and an increase in your auto insurance rates. While it’s best to avoid speeding altogether, sometimes we can all be a little lead-footed.

Luckily, Midvale has no known speed traps located within its city limits. However, Salt Lake City and Northern Salt Lake City have a combined total of four speed traps are reported by Speedtrap.org.

Vehicle Theft in Midvale, UT

According to Neighborhood Watch, the safest neighborhoods in Midvale are Union, Fort Union, and South State Street. The most dangerous neighborhood is Endot.

You have a one in 298 chance of becoming a victim of violent crime in Midvale, much higher than the state average of one in 429.

According to the FBI, In 2017, there were 1,886 reported vehicle thefts in Salt Lake City. The higher crime rates and the likelihood of vehicle theft are partially responsible for the higher than average auto insurance costs in the state of Utah.

How is traffic in Midvale, UT?

When it comes to traffic problems in Midvale, you’re likely to run into a few common ones. The causes of traffic jams are often related to the high population density of the city, it’s a centralized location and the fact that there are many commuters on the roads.

Some other major causes of traffic congestion include severe weather, like snowstorms or heavy rain.

The following video from abc4news shows just how dangerous Utah road conditions can get.

You will at some points feel the effect of traffic congestion living in Midvale, either from severe weather or rush hour traffic. It’s just a necessary consequence of city living. If you’re wondering how to reduce traffic stress, try driving when road conditions are clear and it’s a less busy time of day.

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Traffic Congestion in Utah

In the Salt Lake City area, located closely to Midvale, Inrix reports that drivers spent nine hours in congested traffic in 2019, and congestion cost drivers an extra $128 that year. Traffic jams are nothing new to Utah drivers; check out this video from the Utah Department of Transportation.

According to TomTom, the congestion level for Salt Lake City in 2019 was 19 percent, up by 2 percent from the year prior. For every half-hour-long trip, people spent eight extra minutes in the morning stuck in traffic, and 14 extra minutes in the evening.

In total, drivers lost 85 hours to traffic congestion in 2019, that’s three and a half days. Tuesdays through Thursdays around five in the evening is when traffic congestion hits its peak. While 10 percent of backed up traffic happened on highways, another 23 percent took place on non-highway roads.

TomTom reports traveling after 6:00 p.m. on Thursdays could save drivers up to five hours per year.

The Utah Department of Transportation is taking measures to reduce the amount of traffic congestion on the highways, check out their plans in the following video.

Traffic congestion causes frustrated and distracted drivers, increasing the chances of traffic incidents. Midvale insurance costs are impacted by commute lengths, in large part because of the added risk factor rush hour traffic poses.

Transportation

As we discussed above, the average commute length for Midvale drivers is around 21.4 minutes, and just around 2 percent of drivers are super commuters who drive 90 minutes or more.

When it comes to how Midvale residents travel to work, 76.8 percent drive alone to work, and another 11 percent carpool.

The number of drivers on the road commuting to and from work explains why rush hour traffic in Salt Lake County is so extreme.

Busiest Highways

Nearby Midvale in Salt Lake City is a stretch highway I-15 with an unusually high number of lanes. There is 12 total, making it one of the top 50 highways with the most lanes in the country. The chances of you driving on I-15 if you live in Midvale are extremely high, which makes a comprehensive auto insurance policy even more vital to your safety.

How safe are Midvale, UT streets and roads?

Salt Lake County, where Midvale is located, has relatively safe roads considering the volume of traffic in the metropolitan areas. Take a look at the number of vehicle fatalities in the following table; the data comes from the National Highway Traffic Safety Association.

Salt Lake County, UT Vehicle Fatality Rates

Utah had a total of 273 fatal vehicle accidents in 2017, according to the NHTSA. Sixty-nine of those fatal accidents took place in Salt Lake County.

Allstate America’s Best Drivers Report

While Midvale itself has not made it on Allstate’s America’s Best Driver Report, nearby Salt Lake City is 67th on the list out of 200. Drivers usually go 9.8 years between claims and average 20.6 hard-braking events for every 1,000  miles driven.

Ridesharing

Somedays, you just don’t feel like driving your own car. That’s when you turn to ridesharing options. Luckily, in Midvale, you have plenty of options. Both Uber X and Lyft offer various rates for rides in the city, including their luxury services Lyft Lux and Lyft Lux Black, and Uber Select.

There are also more traditional yellow taxi services available which offer very competitive, comparable rates to Uber X and Lyft, according to RideGuru.

Read more: Affordable Auto Insurance Quotes for Rideshare Drivers.

Military and Veterans Auto Insurance Rates in Midvale, UT

Utah has a large military population, and Midvale is no exception. Most of the military personnel in Midvale served in the Gulf War. There are also two military bases in the state of Utah, Dugway Proving Ground and Hill Air Force Base.

Dugway Proving Ground is about an hour and a half drive from Midvale, and Hill Air Force Base is a little less than an hour away.

The best auto insurance for military personnel, active or retired, is USAA. However, it’s always worth checking with other companies to see if they offer any sort of military or veteran auto insurance discounts.

There are some military auto insurance laws that benefit retired and active military personnel, including discounts or fee waivers on vehicle registrations, according to YourMechanic.

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Frequently Asked Questions: Midvale, UT Auto Insurance

You are now an expert on everything there is to know about Midvale insurance. Do you still have more questions? Refer to this guide as much as you need to while comparison shopping for auto insurance. Or, take a look at our frequently asked questions below.

Is Midvale, Utah, a good place to live?

Midvale, Utah, is known as one of the best places to live in the state. The city attracts a lot of young people and has a median age of 30.6; most people choose rentals over homeownership.

Is Midvale, Utah, safe?

Midvale is a safe place to live or visit. However, you do have a one in two hundred ninety-eight chance of becoming a victim of violent crime. This is higher than the Utah state average of one in four hundred twenty-nine.

How far is Midvale from Salt Lake City, UT?

Midvale is located in the same county as Salt Lake City, Salt Lake County. It is about a seventeen-minute drive to get from Midvale to Salt Lake City.

Is there a list of Midvale, UT auto insurance companies?

Check out our list of Midvale insurance agents below. To get rates for your vehicle, contact these agents directly.

Car Insurance Agencies in Midvale, UT

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