Car Insurance in Sandy, UT – Rate Comparisons + Rankings (2025)

• The average cost of car insurance in Sandy is 0.6% more than the national average rate of $2,276.
• Monthly auto insurance rates for a few popular vehicles in Sandy include the Honda CR-V at $163, Toyota Corolla at $186, and Nissan Sentra at $175.
• Compact SUV models like the Buick Envision, Nissan Kicks, and Kia Soul are good choices for the cheapest car insurance in Sandy.
• Models with the most affordable car insurance in Sandy in their automotive segment include the Acura RDX ($160 per month), Kia K5 ($184 per month), Chrysler 300 ($187 per month), and Infiniti QX80 ($214 per month).
• Car insurance quotes in Sandy have significant variability from as little as $29 per month for a liability-only policy to well over $687 per month for teens and other high-risk drivers.

How much does average car insurance cost in Sandy?

Average car insurance rates in Sandy cost $2,290 per year, or around $191 per month. That’s 0.6% more expensive than the overall overall national average rate of $2,276 per year.

In the state of Utah, the average car insurance expense is $2,302 per year, so the average rate in Sandy is $12 less per year. When rates are compared to other larger cities in Utah, the cost of car insurance in Sandy is approximately $36 per year less than in Orem, $130 per year less than in Salt Lake City, and $172 per year less than in West Valley City.

The age of the rated driver has a significant impact the price of car insurance, so the list below illustrates this by breaking out average car insurance rates for drivers from 16 to 60.

Average car insurance rates in Sandy for drivers age 16 to 60

• 16-year-old driver – $8,151 per year or $679 per month
• 17-year-old driver – $7,900 per year or $658 per month
• 18-year-old driver – $7,078 per year or $590 per month
• 19-year-old driver – $6,447 per year or $537 per month
• 20-year-old driver – $4,606 per year or $384 per month
• 30-year-old driver – $2,442 per year or $204 per month
• 40-year-old driver – $2,290 per year or $191 per month
• 50-year-old driver – $2,030 per year or $169 per month
• 60-year-old driver – $1,902 per year or $159 per month

The next chart goes into more detail for drivers age 20 to 60 by showing a range of rates based on a range of driver ages and possible risk profiles.

In the chart above, the cost of auto insurance in Sandy ranges from $1,902 per year for a 40-year-old driver who meets the requirements for many policy discounts to $5,266 per year for a 30-year-old driver who is required to buy high risk car insurance. When converted to a monthly rate, the average cost in the chart above ranges from $159 to $439 per month.

Auto insurance rates are different for every driver and are impacted by many factors. This amount of variability emphasizes the need for multiple car insurance quotes when searching online for the cheapest car insurance policy.

Popular vehicles and the cost to insure them

The previously referenced auto insurance rates take the cost to insure each 2024 vehicle model and average them, which is practical for making big picture comparisons such as the average cost difference between locations.

Average rates are terrific for answering questions like “are Sandy auto insurance rates cheaper than in Provo?” or “are Utah auto insurance rates cheaper than in California?”.

But for more accurate rate comparisons, we get better data if we perform a rate analysis for the specific make and model of vehicle being insured.

Every car, truck, SUV, and minivan has a different profile for determining car insurance prices, and this data makes it possible to do detailed cost analysis.

The following list details average annual and monthly insurance rates in Sandy for the more popular models.

Average annual and monthly car insurance cost for popular vehicles in Sandy

• Honda CR-V – $1,954 per year or $163 per month
• Toyota Corolla – $2,232 per year or $186 per month
• Nissan Sentra – $2,098 per year or $175 per month
• Nissan Rogue – $2,060 per year or $172 per month
• Jeep Grand Cherokee – $2,292 per year or $191 per month
• Tesla Model 3 – $2,690 per year or $224 per month
• Toyota RAV4 – $2,110 per year or $176 per month
• Ford Escape – $2,092 per year or $174 per month
• Jeep Cherokee – $2,468 per year or $206 per month
• Ford F150 – $2,562 per year or $214 per month

Top 40 cheapest vehicles to insure

We listed insurance rates for some popular vehicles above, but are those models actually the cheapest to insure?

The vehicles with the cheapest average auto insurance prices in Sandy, UT, tend to be crossover SUVs like the Kia Soul, Chevrolet Trailblazer, and Buick Envision.

Average insurance rates for the top 10 cheapest cars to insure cost $1,876 or less per year for a policy with full coverage.

Additional models that rank very well, but are not the cheapest, are the Toyota GR Corolla, Subaru Outback, Kia Niro, and Acura RDX.

Insurance rates are marginally higher for those models than the crossovers and small SUVs at the top of the list, but they still have average rates of $166 or less per month in Sandy.

The next table breaks down the 40 cars, trucks, and SUVs with the cheapest insurance rates in Sandy, Utah, ordered by average cost.

A few additional models ranked in the top 40 above include the Volkswagen Atlas Cross Sport, Toyota Highlander, Hyundai Kona, and Honda HR-V. Auto insurance rates for those models cost between $1,990 and $2,092 per year.

As a comparison to gauge how inexpensive the top models are, some examples that have more expensive auto insurance include the Tesla Model 3 costing an average of $2,690 per year, the Subaru BRZ which costs $2,738, and the Tesla Model X that costs $2,878.

For really expensive coverage, luxury and high-performance cars like the Audi RS 6 and Aston Martin DBX have average rates that frequently cost two to three times those of the cheapest cars and SUVs.

This next article section goes into the cost of auto insurance based on automotive segment. The average rates shown will give you a good understanding of which types of vehicles have the overall most affordable Sandy car insurance rates.

Cheapest car insurance rates by segment

If you’re considering buying a new car, it’s a good idea to have a basic understanding of which styles of vehicles are less expensive to insure.

To illustrate this, maybe you’re curious if compact SUVs are more affordable to insure than midsize SUVs or whether a minivan will save you the most money.

The next chart shows the average auto insurance cost in Sandy for each automotive segment. As a general rule, small SUVs, vans, and midsize pickups tend to have the cheapest average rates, while sports cars and performance luxury models have the most expensive rates.

Average insurance rates by segment are accurate enough for making a general comparison, but insurance rates for specific models range significantly within each of the segments displayed in the above chart.

For example, in the small luxury car segment, average Sandy car insurance rates range from the Acura Integra at $2,038 per year for a full coverage policy up to the BMW M340i at $2,798 per year.

As another example, in the midsize luxury car segment, rates vary from the Mercedes-Benz CLA250 costing $2,358 per year to the BMW M8 costing $3,860 per year.

For a third example, in the sports car segment, average insurance cost varies from the Mazda MX-5 Miata costing $2,122 per year to the Mercedes-Benz SL 63 at $4,702 per year.

The list below details the individual model with the cheapest insurance in Sandy, UT, in each segment. Annual and monthly average car insurance quotes are shown for each vehicle.

• Cheapest compact car to insure – Toyota GR Corolla at $1,990 per year or $166 per month
• Cheapest compact SUV to insure – Subaru Crosstrek at $1,692 per year or $141 per month
• Cheapest midsize car to insure – Kia K5 at $2,208 per year or $184 per month
• Cheapest midsize SUV to insure – Honda Passport at $1,826 per year or $152 per month
• Cheapest full-size car to insure – Chrysler 300 at $2,180 per year or $182 per month
• Cheapest full-size SUV to insure – Chevrolet Tahoe at $2,152 per year or $179 per month
• Cheapest midsize pickup to insure – Chevrolet Colorado at $2,016 per year or $168 per month
• Cheapest full-size pickup to insure – Nissan Titan at $2,142 per year or $179 per month
• Cheapest heavy duty pickup to insure – GMC Sierra 2500 HD at $2,328 per year or $194 per month
• Cheapest minivan to insure – Honda Odyssey at $2,092 per year or $174 per month
• Cheapest sports car to insure – Mazda MX-5 Miata at $2,122 per year or $177 per month
• Cheapest compact luxury car to insure – Acura Integra at $2,038 per year or $170 per month
• Cheapest compact luxury SUV to insure – Acura RDX at $1,916 per year or $160 per month
• Cheapest midsize luxury car to insure – Mercedes-Benz CLA250 at $2,358 per year or $197 per month
• Cheapest midsize luxury SUV to insure – Jaguar E-Pace at $2,142 per year or $179 per month
• Cheapest full-size luxury car to insure – Audi A5 at $2,720 per year or $227 per month
• Cheapest full-size luxury SUV to insure – Infiniti QX80 at $2,568 per year or $214 per month