Insurance Costs in Ogden, UT
Auto insurance in Ogden averages $1,463 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Ogden, UT: What You Need to Know
Ogden residents pay an average of $1,463 per year for full coverage auto insurance, which is 5.0% above the Utah state average and 12.6% below the national average.
With a population of 87,321, Ogden is a growing city in Utah. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,463 | $122 |
| Standard Coverage (50/100/50) | $1,200 | $100 |
| State Minimum (25/65/15) | $614 | $51 |
Homeowners Insurance in Ogden, UT
The average cost of homeowners insurance in Ogden is $915 per year ($76/month), which is 49.7% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Ogden, UT
Renters insurance in Ogden averages $168 per year ($14/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Utah Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Salt Lake City | $1,560/yr | $1,130/yr |
| West Valley City | $1,504/yr | $1,022/yr |
| Provo | $1,282/yr | $947/yr |
| Orem | $1,254/yr | $947/yr |
| Sandy | $1,282/yr | $1,022/yr |
| St. George | $1,254/yr | $990/yr |
| Layton | $1,323/yr | $968/yr |
| South Jordan | $1,226/yr | $1,098/yr |
How to Save on Insurance in Ogden
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Ogden can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Ogden, UT?
The average cost of car insurance in Ogden, UT is $1,463 per year for full coverage, or about $122 per month. Minimum coverage costs around $614 per year.
Is car insurance expensive in Ogden?
Car insurance in Ogden is relatively affordable compared to many U.S. cities.
How much is home insurance in Ogden?
Homeowners insurance in Ogden costs an average of $915 per year. Your actual cost depends on your home's value, age, construction type, and specific location.