Cheapest Cars to Insure in Ogden, UT

Do you drive one of the vehicles with the cheapest car insurance rates in Ogden, UT? We compared average rates for over 700 models and rank the top 30 vehicles that qualify for the cheapest rates.

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  • For the cheapest auto insurance in Ogden, Utah, SUV models like the Subaru Crosstrek, Toyota Corolla Cross, and Kia Soul have some of the cheapest rates.
  • Models with the most affordable car insurance in Ogden in their respective segments include the Mazda MX-5 Miata ($2,032 per year), Audi A5 ($2,608 per year), Mercedes-Benz CLA250 ($2,258 per year), and Toyota GR Corolla ($1,906 per year).
  • Auto insurance rates for a few popular models in Ogden include the Honda Accord at $2,120 per year, Ram Truck at $2,536, and Tesla Model 3 at $2,578.

Which vehicles cost the least to insure in Ogden, UT?

When all car, SUV, and pickup insurance rates are compared, the models with the cheapest insurance rates in Ogden, UT, tend to be small SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross. Average auto insurance quotes for cars and SUVs in the top 10 cost $1,798 or less per year ($150 per month) for full coverage.

Some additional vehicles that are ranked high in the cost comparison table below are the Acura RDX, Ford Bronco Sport, Buick Envista, and Volkswagen Taos.

Insurance rates are slightly more for those models than the cheapest crossovers and compact SUVs that rank near the top, but they still have average rates of $1,912 or less per year, or $159 per month.

The following table ranks the 30 car, truck, and SUV models with the cheapest auto insurance in Ogden, ordered by annual cost.

Top 30 Cheapest Automobiles to Insure in Ogden
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,620$135
2Chevrolet Trailblazer$1,650$138
3Kia Soul$1,714$143
4Nissan Kicks$1,728$144
5Honda Passport$1,748$146
6Buick Envision$1,758$147
7Toyota Corolla Cross$1,768$147
8Hyundai Venue$1,784$149
9Mazda CX-5$1,790$149
10Ford Bronco Sport$1,798$150
11Volkswagen Tiguan$1,816$151
12Acura RDX$1,834$153
13Nissan Murano$1,844$154
14Buick Encore$1,864$155
15Subaru Outback$1,870$156
16Honda CR-V$1,872$156
17Buick Envista$1,876$156
18Volkswagen Taos$1,880$157
19Kia Niro$1,890$158
20Toyota GR Corolla$1,906$159
21Subaru Ascent$1,908$159
22Honda HR-V$1,912$159
23Nissan Leaf$1,924$160
24Chevrolet Colorado$1,932$161
25Lexus NX 250$1,942$162
26Honda Civic$1,944$162
27Volkswagen Atlas$1,946$162
28Acura Integra$1,952$163
29Subaru Forester$1,952$163
30Volkswagen Atlas Cross Sport$1,956$163

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ogden, UT Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Ogden, UT with the Subaru Crosstrek ranking first at $1,620 per year
Top 30 cheapest vehicles to insure in Ogden, UT with the Subaru Crosstrek ranking first at $1,620 per year

Other models ranking in the top 30 table above include the Volkswagen Atlas, Subaru Forester, Acura Integra, and Chevrolet Colorado. Average car insurance rates for those vehicles fall between $1,912 and $1,956 per year.

In comparison to the cheapest rates, some of the more expensive vehicles to insure include the Tesla Model 3 costing an average of $2,578 per year, the Audi A4 that averages $2,526, and the Audi e-tron that averages $2,738.

How much does car insurance cost in Ogden, UT?

Average auto insurance cost in Ogden is $2,194 per year, which is 1.2% less than the U.S. average rate of $2,221 per year. The average cost of car insurance per month in Ogden is $183 for a policy with full coverage.

In the state of Utah, average car insurance cost is $2,262 per year, so the cost in Ogden averages $68 less per year. When prices are compared to other larger cities in Utah, the average cost to insure a car in Ogden is around $52 per year cheaper than in Sandy, $226 per year cheaper than in West Valley City, and $88 per year less than in Orem.

Driver age is one of the biggest determining factors on the cost of car insurance, so the list below illustrates these differences by breaking out average car insurance rates in Ogden for young, middle-age, and senior drivers.

Average cost of car insurance in Ogden for drivers age 16 to 60

  • 16-year-old rated driver – $7,819 per year or $652 per month
  • 17-year-old rated driver – $7,574 per year or $631 per month
  • 18-year-old rated driver – $6,786 per year or $566 per month
  • 19-year-old rated driver – $6,179 per year or $515 per month
  • 20-year-old rated driver – $4,416 per year or $368 per month
  • 30-year-old rated driver – $2,342 per year or $195 per month
  • 40-year-old rated driver – $2,194 per year or $183 per month
  • 50-year-old rated driver – $1,946 per year or $162 per month
  • 60-year-old rated driver – $1,822 per year or $152 per month

The chart below summarizes average car insurance cost in Ogden, Utah, broken out based on a range of different driver ages, physical damage coverage deductibles, and driver risk profiles. Rates are averaged for all 2024 vehicle models including luxury models.

Average car insurance rates in Ogden for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Ogden for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Ogden includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Ogden, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,048$421
Safe Driver Age 20$4,416$368
At-fault Accidents Age 40$3,108$259
Low Deductibles Age 40$2,870$239
Safe Driver Age 30$2,342$195
Safe Driver Age 40$2,194$183
Safe Driver Age 50$1,946$162
High Deductibles Age 40$1,844$154
Safe Driver Age 60$1,822$152
Discount Rate Age 40$1,822$152

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

The average cost of auto insurance per month in Ogden is $183, with policy prices ranging from $152 to $421 for drivers age 20 to 60 and the risk profiles included in the previous chart.

Auto insurance rates have different premiums for every driver and are impacted by many factors. This variability increases the need to get accurate car insurance quotes when shopping for a cheaper car insurance policy.

The auto insurance rates discussed up to this point take the cost to insure each 2024 vehicle model and average them, which is suitable when making big picture comparisons like the average cost difference between multiple locations.

For more complete car insurance cost comparisons, however, it makes more sense to do a rate analysis for the specific make and model of vehicle being insured. Let’s take a high-level look at the most common vehicles to see how auto insurance rates stack up in Ogden.

The next chart details average auto insurance rates in Ogden for popular vehicles.

Average cost to insure popular 2024 model year vehicles in Ogden.
Figure 2: Average cost to insure popular 2024 model year vehicles in Ogden. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Ogden Zip Codes.

Average Car Insurance Quotes for Popular Vehicles in Ogden, UT
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,872$156
Nissan Rogue$1,974$165
Ford Explorer$1,992$166
Toyota Highlander$1,996$166
Toyota RAV4$2,024$169
Kia K5$2,116$176
Honda Accord$2,120$177
Kia Forte$2,142$179
Jeep Grand Cherokee$2,196$183
Toyota Tacoma$2,224$185
Toyota Camry$2,358$197
Ford Mustang$2,414$201
Chevrolet Silverado$2,428$202
Ford F150$2,456$205
Chevrolet Corvette$3,040$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Ogden, UT Zip Codes. Updated June 27, 2025

If we see how many popular models are included in the earlier table showing the 30 vehicles with the cheapest insurance, most of the top-selling models rank out of the top 30. Expensive insurance rates could be due to a higher MSRP, like a Lexus LX 570 with an average MSRP of $89,160 or a Nissan GT-R that costs an average of $120,990, or maybe the cause is the potential for higher medical or liability claims like a Dodge Charger or a Chevrolet Suburban.

In an effort to help you understand the amount that the cost of auto insurance can vary for different drivers, the examples below have a wide range of rates for four popular models in Ogden: the Ford F150, Honda Civic, Nissan Rogue, and Kia Sorento.

Each example uses a variety of different driver profiles to demonstrate the price fluctuation for the different scenarios.

Ford F150 insurance rates

The lowest-cost 2024 Ford F150 trim level to insure in Ogden is the XL Super Cab 4WD model, costing an average of $2,062 per year, or about $172 per month. This trim level stickers at $46,195.

The most expensive 2022 Ford F150 trim level to insure in Ogden is the Lightning Platinum Black Special Edition, costing an average of $2,852 per year, or about $238 per month. The sticker price for this trim level is $100,090, before destination charges and documentation fees.

When Ogden insurance rates for a Ford F150 are compared to the average cost for the entire U.S. on the same model, the cost is $138 to $190 more per year in Ogden, depending on the exact model being insured.

As a cost per month, full-coverage car insurance on a 2024 Ford F150 can cost from $172 to $238 per month, depending on the car insurance company you choose in Ogden.

The next rate chart should help you understand how the price of car insurance on a Ford F150 can be significantly different based on a variety of driver ages, policy physical damage deductibles, and risk scenarios. For our example drivers, cost varies from $2,036 to $5,672 per year, which is a price difference of $3,636 for insurance on the same vehicle.

Average 2024 Ford F150 insurance premiums in Ogden for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Ogden for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Ogden includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Ogden, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,672$473
Safe Driver Age 20$4,964$414
At-fault Accidents Age 40$3,484$290
Low Deductibles Age 40$3,218$268
Safe Driver Age 30$2,622$219
Safe Driver Age 40$2,456$205
Safe Driver Age 50$2,174$181
High Deductibles Age 40$2,066$172
Safe Driver Age 60$2,036$170
Discount Rate Age 40$2,036$170

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 is considered a full-size truck, and other similar models that are popular in Ogden, Utah, include the GMC Sierra, Chevrolet Silverado, and Toyota Tundra.

Honda Civic insurance rates

Honda Civic insurance in Ogden averages $1,944 per year, with rates ranging from a low of $1,738 per year on the Honda Civic LX trim (MSRP of $23,950) up to $2,304 per year on the Honda Civic Type R model (MSRP of $43,795).

When Ogden insurance rates for a Honda Civic are compared to the cost averaged for the entire U.S. for the same vehicle, rates are $116 to $154 more expensive per year in Ogden, depending on which model is insured.

The next rate chart illustrates how the price of car insurance for a Honda Civic can be quite different for different driver ages, risk profiles, and policy deductibles.

Average 2024 Honda Civic insurance premiums in Ogden for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda Civic insurance premiums in Ogden for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Ogden includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Ogden, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,410$368
Safe Driver Age 20$3,854$321
At-fault Accidents Age 40$2,726$227
Low Deductibles Age 40$2,548$212
Safe Driver Age 30$2,076$173
Safe Driver Age 40$1,944$162
Safe Driver Age 50$1,724$144
High Deductibles Age 40$1,628$136
Discount Rate Age 40$1,618$135
Safe Driver Age 60$1,612$134

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 26, 2025

The Honda Civic belongs to the compact car segment, and other popular same-segment models include the Toyota Corolla, Hyundai Elantra, Chevrolet Cruze, and Kia Forte.

Nissan Rogue insurance rates

The lowest-cost 2024 Nissan Rogue model to insure in Ogden is the S 2WD model, costing an average of $1,870 per year, or about $156 per month. This model costs $29,360.

The most expensive 2022 Nissan Rogue trim to insure in Ogden is the Platinum AWD, costing an average of $2,066 per year, or about $172 per month. The retail cost for this trim is $39,230, not including documentation and destination fees.

When Ogden car insurance quotes for the Nissan Rogue are compared with the national average cost on the same model, rates are anywhere from $126 to $140 more per year in Ogden, depending on trim level.

From a monthly standpoint, full-coverage insurance on the Nissan Rogue for a good driver can range from $156 to $172 per month, depending on the company you’re using in Ogden.

The chart below illustrates how car insurance rates for a Nissan Rogue can range considerably based on driver age, physical damage deductibles, and driver risk profiles. In this example, prices range from $1,640 to $4,506 per year, which is a difference in cost of $2,866 just for changes in rated drivers.

Average 2024 Nissan Rogue insurance premiums in Ogden for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Ogden for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Ogden includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Ogden, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,506$376
Safe Driver Age 20$3,934$328
At-fault Accidents Age 40$2,790$233
Low Deductibles Age 40$2,538$212
Safe Driver Age 30$2,100$175
Safe Driver Age 40$1,974$165
Safe Driver Age 50$1,758$147
High Deductibles Age 40$1,680$140
Safe Driver Age 60$1,640$137
Discount Rate Age 40$1,640$137

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue is considered a compact SUV, and other popular models include the Subaru Forester, Honda CR-V, and Toyota RAV4.

Kia Sorento insurance rates

The most affordable 2024 Kia Sorento trim version to insure in Ogden is the LX model, costing an average of $1,910 per year, or around $159 per month. This model stickers at $32,000.

The most expensive 2022 Kia Sorento trim to insure in Ogden is the SX Prestige Plug-in Hybrid, costing an average of $2,242 per year, or around $187 per month. The sticker price for this trim is $52,000, before destination charges and documentation fees.

When Ogden auto insurance rates for a Kia Sorento are compared with the national average cost on the same vehicle, the cost is anywhere from $126 to $150 more expensive per year in Ogden, depending on the model being insured.

The bar chart below illustrates how car insurance quotes on a Kia Sorento can range considerably for a number of different driver ages, policy deductibles, and driver risk scenarios. For this example, rates vary from $1,732 to $4,786 per year, which is a cost difference of $3,054 caused by changing the rated driver.

Average 2024 Kia Sorento insurance premiums in Ogden for different driver ages and risk scenarios.
Figure 6: Average 2024 Kia Sorento insurance premiums in Ogden for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Ogden includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Ogden, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,786$399
Safe Driver Age 20$4,190$349
At-fault Accidents Age 40$2,938$245
Low Deductibles Age 40$2,746$229
Safe Driver Age 30$2,226$186
Safe Driver Age 40$2,084$174
Safe Driver Age 50$1,840$153
High Deductibles Age 40$1,742$145
Discount Rate Age 40$1,732$144
Safe Driver Age 60$1,726$144

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 26, 2025

The Kia Sorento is considered a midsize SUV, and other popular models in the same segment include the Honda Pilot, Kia Telluride, Toyota Highlander, and Ford Edge.

Best practices for saving money on car insurance

Ogden drivers should always be looking to pay less for insurance, so run through the savings concepts in the list below and it’s very possible you can save some money insuring your vehicle.

  • Buy vehicles that are cheaper to insure. The make and model of vehicle you drive is one of the biggest factors in the cost of car insurance. As an example, a Volkswagen Atlas costs $2,156 less per year to insure in Ogden than a Acura NSX. Lower performance vehicles save money.
  • Remove unneeded coverage on older vehicles. Dropping physical damage coverage (comprehensive and collision) from older vehicles that are not worth a lot can cut the cost of car insurance substantially.
  • Increasing deductibles makes car insurance cheaper. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Your employer could save you a few bucks. Many auto insurance companies offer policy discounts for being employed in occupations like firefighters, members of the military, lawyers, emergency medical technicians, doctors, and others. Earning this discount could save between $66 and $213 on your annual premium, depending on the policy coverages.
  • The real world isn’t Grand Theft Auto. If you want to get cheap auto insurance in Ogden, it pays to be a conservative driver. As a matter of fact, just one or two minor incidents on your driving report can potentially raise auto insurance cost as much as $582 per year.
  • Shop around for better prices. Setting aside a few minutes to get a few free car insurance quotes is our top recommendation for saving money on car insurance. Rates change often and switching to a different company is very easy to do.
  • Stay claim free and save. Most auto insurance companies offer discounts for not filing any claims. Insurance should only be used to protect you from significant claims, not for insignificant claims.