Car Insurance in Logan, Utah
Logan, Utah, nestled in Cache Valley, is a charming city that combines small-town charm with picturesque mountains and rich farmland, Logan offers a serene and scenic setting that captures the essence of the great outdoors for any driver. Logan residents have quite a few options for finding cheap car insurance. We will go through the different options and help you understand what the average costs of an auto policy should be with this guide.
Average Car Insurance Costs for Logan, Utah
According to our recent Insurance Quotes cost database for Logan, Utah – the average car insurance rates for state minimum coverage is $79 a month or $952 yearly. A full coverage policy would cost $219 a month or $2,622 a year.
Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on other driver demographics.
Which Provider Has the Cheapest Car Insurance Rates?
In Logan, Utah the cheapest providers are Progressive, GEICO and All State. Here is a cost breakdown of each for state minimum liability and full coverage costs on average based on car insurance provider rates:
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Progressive | $686 | $57 | $1,971 | $164 |
| GEICO | $741 | $62 | $2,178 | $182 |
| Allstate | $892 | $74 | $2,564 | $214 |
| State Farm | $1,174 | $98 | $3,084 | $257 |
| Mid-Century | $1,268 | $106 | $3,315 | $276 |
Average Cost of Car Insurance in UT by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.
Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:
- 4 Door Car: $1,084
- SUV: $986
- Truck: $1,128
- Hybrid Electric Vehicle: $989
- 2 Door Coupe: $898
Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:
| Used Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4 Door): | $1,084 | $2,651 |
| Hybrid Electric: | $989 | $2,792 |
| Luxury Coupe (2 Door): | $898 | $3,565 |
| SUV: | $986 | $2,362 |
| Truck: | $1,128 | $3,029 |
New Vehicle Car Insurance Costs in Utah
For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:
| New Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4Door): | $1,012 | $3,032 |
| Hybrid Electic: | $1,025 | $3,111 |
| Luxury Coupe | $917 | $4,064 |
| SUV: | $983 | $2,636 |
| Truck: | $1,139 | $3,522 |
Compare Car Insurance Costs for Utah Cities
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities in Utah for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
How Age Affects Auto Coverage Costs in Utah
Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.
Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.
Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.
Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:
| Age | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| 17 | $3,614 | $301 | $9,595 | $800 |
| 18 | $3,001 | $250 | $8,311 | $693 |
| 20 | $1,867 | $156 | $5,263 | $439 |
| 22 | $1,301 | $108 | $3,731 | $311 |
| 24 | $1,109 | $92 | $3,197 | $266 |
| 29 | $1,008 | $84 | $2,882 | $240 |
| 34 | $981 | $82 | $2,766 | $231 |
| 39 | $988 | $82 | $2,770 | $231 |
| 44 | $995 | $83 | $2,781 | $232 |
| 49 | $981 | $82 | $2,738 | $228 |
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $30,000 per person
- $65,000 per accident
- $25,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
Logan car insurance averages approximately $148 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Logan, Utah averages approximately $40 to $55 per month for minimum coverage and $120 to $148 per month for full coverage in 2026 — below the Utah state average of $56 per month minimum and $148 per month full coverage. Logan is the Cache County seat and home of Utah State University, with a driving environment defined by rural Cache Valley roads, moderate traffic, and low accident frequency compared to the Wasatch Front metro. Bear River Mutual Insurance, headquartered in Salt Lake City and focused exclusively on Utah drivers, is consistently the most affordable car insurance option in Cache County.
Bear River Mutual Insurance is the cheapest car insurance option in Logan and Cache County for most driver profiles. Bear River Mutual is a Utah-only mutual insurer available exclusively through local Utah agents — it does not sell online and is not featured on national comparison tools. State Farm and GEICO are the most competitive national carriers in Logan. For Utah State University students living in Logan, good-student discounts (typically requiring a 3.0 GPA or higher) can reduce premiums by 5 to 15 percent at most major carriers. Students who leave their vehicle with parents during summer or extended school breaks should ask about reduced-use or stored vehicle discounts as well.
Yes. Utah is a no-fault state requiring all Logan drivers to carry Personal Injury Protection (PIP) of $3,000 per person in addition to standard liability coverage. Utah’s $3,000 PIP requirement is among the lower mandatory PIP amounts nationally, adding modest cost to policies. Utah also requires 25/65/15 liability minimums — $25,000 per person and $65,000 per accident for bodily injury, plus $15,000 in property damage. Utah PIP pays 80 percent of medical expenses and 85 percent of lost wages after any accident regardless of fault. Logan drivers can reject PIP in writing, but keeping it is generally recommended given the modest cost and immediate medical coverage benefit.
Logan rates run meaningfully below Salt Lake City due to Cache Valley’s rural character and lower traffic density. Salt Lake County carries significantly higher accident frequency on I-15, I-215, and the Wasatch Front commuter corridors than US-89 and US-91 through Cache Valley. Logan’s smaller population (approximately 55,000 in the city proper) and Utah State University’s concentrated traffic on a campus grid means far fewer high-speed highway incidents than the Salt Lake metro. Logan drivers who have recently relocated from the Wasatch Front should see a noticeable rate improvement in Cache County — in some cases $20 to $30 per month lower for equivalent coverage.
USU students in Logan have several insurance considerations worth understanding. First, most students under 26 can remain on their parents’ policy if they are enrolled at least half-time — this is typically the cheapest option. Second, if keeping a vehicle at school in Logan, the garaging address should reflect the Logan Cache County address, not the parents’ Wasatch Front address — this update typically reduces the student’s portion of the family premium. Third, carriers including State Farm, GEICO, and Allstate offer good-student discounts of 5 to 15 percent for students maintaining a 3.0 GPA or better. Fourth, Utah’s no-fault PIP requirement applies to all registered vehicles in Utah including student vehicles — ensure any policy includes the required $3,000 PIP.
Bear River Mutual: Cache County’s Most Affordable Car Insurance
Bear River Mutual Insurance is the best-kept car insurance secret in Logan and Cache County. This Utah-only mutual insurer consistently offers the lowest rates in the state — but it cannot be purchased online and does not appear on national comparison platforms. Bear River Mutual must be purchased through a licensed Utah insurance agent. For Logan residents who have compared only GEICO, State Farm, and Progressive without getting a Bear River Mutual quote, the annual savings can be substantial. Bear River also has deep Utah market expertise, making it particularly well-suited for Cache Valley drivers dealing with local weather conditions, wildlife on rural roads, and the specific risk profile of Cache County.
USU Students: Car Insurance Tips for Logan’s University Population
Utah State University brings tens of thousands of students to Logan, and many arrive with vehicles from their home ZIP codes. A few car insurance facts every USU student in Logan should know: First, update your garaging address to your Logan address as soon as you park your vehicle there — it is legally required and often reduces your rate versus a Wasatch Front address. Second, good-student discounts at State Farm, GEICO, Allstate, and most major carriers reward GPA of 3.0 or higher with 5 to 15 percent premium reductions — worth requesting every year as long as you qualify. Third, if you only use your car during the school year, ask about a low-mileage discount — USU students who walk or bike around campus and only drive occasionally may qualify for meaningful savings.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
