Car Insurance in Sandy, UT – Rate Comparisons + Rankings (2024)

• The average cost of car insurance in Sandy is 11.3% less than the national average rate of $1,883.
• Monthly auto insurance rates for a few popular vehicles in Sandy include the Honda CR-V at $119, Toyota Corolla at $136, and Nissan Sentra at $128.
• 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 ($117 per month), Hyundai Ioniq 6 ($129 per month), Chrysler 300 ($137 per month), and Infiniti QX80 ($157 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 $1,682 per year, or around $140 per month. That’s 11.3% cheaper than the overall overall national average rate of $1,883 per year.

In the state of Utah, the average car insurance expense is $1,692 per year, so the average rate in Sandy is $10 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, $128 per year less than in Salt Lake City, and $170 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 – $5,982 per year or $499 per month
• 17-year-old driver – $5,796 per year or $483 per month
• 18-year-old driver – $5,192 per year or $433 per month
• 19-year-old driver – $4,727 per year or $394 per month
• 20-year-old driver – $3,378 per year or $282 per month
• 30-year-old driver – $1,792 per year or $149 per month
• 40-year-old driver – $1,682 per year or $140 per month
• 50-year-old driver – $1,490 per year or $124 per month
• 60-year-old driver – $1,394 per year or $116 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 $1,396 per year for a 40-year-old driver who meets the requirements for many policy discounts to $3,862 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 $116 to $322 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 – $1,432 per year or $119 per month
• Toyota Corolla – $1,636 per year or $136 per month
• Nissan Sentra – $1,540 per year or $128 per month
• Nissan Rogue – $1,510 per year or $126 per month
• Jeep Grand Cherokee – $1,682 per year or $140 per month
• Tesla Model 3 – $1,972 per year or $164 per month
• Toyota RAV4 – $1,546 per year or $129 per month
• Ford Escape – $1,534 per year or $128 per month
• Jeep Cherokee – $1,812 per year or $151 per month
• Ford F150 – $1,878 per year or $157 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 $1,376 or less per year for a policy with full coverage.

Additional models that rank very well, but are not the cheapest, are the Kia Niro, Honda CR-V, Volkswagen Taos, 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 $120 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 Toyota GR Corolla. Auto insurance rates for those models cost between $1,440 and $1,536 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 $1,972 per year, the Subaru BRZ which costs $2,008, and the Tesla Model X that costs $2,112.

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 $1,494 per year for a full coverage policy up to the BMW M340i at $2,052 per year.

As another example, in the midsize luxury car segment, rates vary from the Mercedes-Benz CLA250 costing $1,730 per year to the BMW M8 costing $2,830 per year.

For a third example, in the sports car segment, average insurance cost varies from the Mazda MX-5 Miata costing $1,556 per year to the Mercedes-Benz SL 63 at $3,450 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 $1,460 per year or $122 per month
• Cheapest compact SUV to insure – Subaru Crosstrek at $1,242 per year or $104 per month
• Cheapest midsize car to insure – Hyundai Ioniq 6 at $1,546 per year or $129 per month
• Cheapest midsize SUV to insure – Honda Passport at $1,340 per year or $112 per month
• Cheapest full-size car to insure – Chrysler 300 at $1,594 per year or $133 per month
• Cheapest full-size SUV to insure – Chevrolet Tahoe at $1,576 per year or $131 per month
• Cheapest midsize pickup to insure – Chevrolet Colorado at $1,438 per year or $120 per month
• Cheapest full-size pickup to insure – Nissan Titan at $1,570 per year or $131 per month
• Cheapest heavy duty pickup to insure – GMC Sierra 2500 HD at $1,706 per year or $142 per month
• Cheapest minivan to insure – Honda Odyssey at $1,534 per year or $128 per month
• Cheapest sports car to insure – Mazda MX-5 Miata at $1,556 per year or $130 per month
• Cheapest compact luxury car to insure – Acura Integra at $1,494 per year or $125 per month
• Cheapest compact luxury SUV to insure – Acura RDX at $1,406 per year or $117 per month
• Cheapest midsize luxury car to insure – Mercedes-Benz CLA250 at $1,730 per year or $144 per month
• Cheapest midsize luxury SUV to insure – Jaguar E-Pace at $1,572 per year or $131 per month
• Cheapest full-size luxury car to insure – Audi A5 at $1,988 per year or $166 per month
• Cheapest full-size luxury SUV to insure – Infiniti QX80 at $1,884 per year or $157 per month