Roy Car Insurance

Find out about auto coverage options and how to get the most affordable Roy, UT car insurance policy that meets your needs.


Located in the heart of Weber County along busy Interstate 15, Roy, UT is a charming town with plenty to offer. Roy is known as the least expensive city in which to purchase a home. This attracts many people to the area, so Roy drivers should expect heavy traffic and congested roads at times. Whether you’re heading out for a visit to the Utah Railway Museum or off to spend a day white water rafting, you’ll have to navigate the busy streets and constant traffic. Make sure you’re prepared with the best Roy car insurance.

Our Independent Insurance Agents are available to help drivers find affordable Roy auto insurance that fits their needs. Whether you’re a brand-new driver or you’re an experienced driver with decades behind the wheel, our experienced agents can help you find the best auto insurance coverage for your unique situation.

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • #40 most expensive auto premium in U.S.

Utah drivers can expect to pay a little less than the national average for auto insurance, but rates vary dramatically depending on several unique factors. The type of car you drive, your driving record and your age are all considered when determining your customized rate for auto insurance in Roy.

Utah Car Insurance Requirements

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

In Utah, the minimum coverage limits are $25,000 for individual injuries, $65,000 for total injuries in an accident and $15,000 for any resulting property damage. Utah law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. If you have an auto accident that exceeds your insurance limit, you must pay the difference out of your own pocket. Keep in mind that you always have an option to invest in more coverage as a Roy driver.


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Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Utah

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Utah drivers: 5.8%

Car accidents are always traumatic, but the devastation becomes even worse if the driver at fault isn’t insured. Our agents can help you add uninsured motorist coverage to your car insurance policy so that you are always covered even if the other driver isn’t.

Number of Auto Thefts in Utah

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Utah: 3.13

In a quiet little city like Roy, it’s hard to imagine that auto theft could ever be a problem, but it does happen from time to time. Make sure you keep your car doors locked, and park in well-lit areas if you are venturing out at night into the city’s more remote locations. Most importantly, talk to one of our insurance agents about which auto insurance policies offer the best protection against auto theft.

Find a Great Roy Car Insurance Policy

Shopping for auto insurance can seem overwhelming with so many coverage options competing for your attention. Our Independent Insurance Agents will make the whole process easy by answering your questions and pointing you toward the most comprehensive auto insurance for your vehicle. Our experienced agents also proudly offer quotes on multiple policies, giving you the chance to compare rates and find a plan that works for your budget. 

Contact an agent today to learn more and to get a free rate quote on Roy auto insurance.

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