Ogden Car Insurance

Let an independent insurance agent help you secure all the insurance coverage you need to properly protect your Ogden, UT car.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


Ogden, UT is a picturesque destination, surrounded by the Wasatch Mountains, Great Salt Lake, and two rivers. Not only does Mother Nature provide Ogden's 84,316 residents four distinct seasons, but the city is a hub for business and government. The perfect balance between work and play creates a hot spot for constant movement and exciting opportunities. To ensure you're protected on the road — whether it be downtown or in the mountains — talk to an Independent Insurance Agent. Your car insurance policy should be tailored to the unique needs of Ogden.

  • National average annual cost: $1,311
  • Utah average annual cost: $1,059
  • 40th most expensive auto premium in the U.S.

Utah's average auto premium rates aren't an eyesore when compared with the rest of the country, serving as a good baseline for what you can expect. Actual rates vary depending on a number of factors, including your age, your car's make and model and your claims history. It can be overwhelming, but an Independent Agent can work with various companies to find the most affordable coverage option depending on your details.

Utah Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/65/15

It's essential to know what coverage you're legally required to carry so you don't get caught off guard. In Utah, you must have up to $25,000 for an individual injured in an accident, $65,000 for all persons injured in an accident and $15,000 for property damage. However, that may not be enough. Consider purchasing higher liability limits on your Ogden car insurance policy so you're fully covered in the event of an accident. Your Independent Insurance Agent can help figure out the best numbers depending on your needs.


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Number of Uninsured Motorists in Utah

  • Uninsured drivers in the U.S.: 12.6%
  • Uninsured drivers in Utah: 5.8%

Do you know what could happen if you get into an accident with an uninsured motorist? The consequences could be devastating since the other driver isn't protected to cover any property damage or bodily injury. That's why you should talk to your local Independent Insurance Agent about purchasing uninsured motorist coverage to give yourself peace of mind while on the road.

Number of Auto Thefts in Utah

  • National number of thefts per 1,000 vehicles: 2.94
  • Utah number of thefts per 1,000 vehicles: 3.13

Ogden is a safe community, but unfortunate events can happen. And since the average number of auto thefts in Utah is higher than the national rate, it's something you should think about protecting yourself against. Take simple steps such as locking your car doors, parking under street lights or taking belongings indoors. An Independent Insurance Agent can ensure you have a comprehensive car insurance policy that will protect you against car theft.

Find a Great Ogden Car Insurance Policy

Make car insurance simple by talking to an Independent Insurance Agent. Receive expert opinions and personalized service so you can feel comfortable purchasing a car insurance policy. An Ogden agent can ensure all your bases are covered and find you the most affordable option.

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