policy costs about $92 per month for minimum coverage liability insurance, and about $111 per month for full coverage insurance. Vernal drivers pay 38% less than the

Utah

average.

Conscious drivers in Vernal, Utah visit Jerry every month because we make it easy for customers to

compare and buy car insurance policies

. Below, we’ll review some of the cheapest car insurance quotes Jerry found for Vernal customers.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 22, 2023	Kemper	$92	Walter, 22 Zip: 84078	Nissan Sentra S	• State Minimum Liability
September 21, 2023	Nationwide	$112	Arthur, 51 Zip: 84078	Ford F250 Super Duty	• 100,000/300,000 Liability • Comp / Collision
September 11, 2023	Safeco	$84	Ella, 27 Zip: 84078	Toyota Camry	• 100,000/300,000 Liability
September 10, 2023	Progressive	$84	Nora, 47 Zip: 84078	Volkswagen NEW Beetle GLS Sport	• 50,000/100,000 Liability
September 9, 2023	Dairyland	$129	Alta, 26 Zip: 84078	Chevrolet Impala LT	• 50,000/100,000 Liability

Last Updated Sep 22, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Vernal

No single auto insurance company will be the cheapest for every driver in Vernal. The secret to optimizing your costs lies in getting quotes from multiple insurers.

If you’re searching for the best deal on car insurance in Vernal, Jerry has conducted the biggest survey in the nation on insurance shopping—and we’re sharing the results!

USAA

and Auto-Owners earn recognition for offering the most affordable rates to the most Vernal drivers—but it’s not a guarantee for every driver. Farm Bureau,

State Farm

, and

Progressive

all offer lower than average premiums in Vernal.

State Farm,

Allstate

Farmers

, Progressive, and USAA serve the majority of Vernal drivers.

Let’s review some feedback from real Vernal customers about these companies.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.5	4.2	N/A	3.5
Allstate	4.4	3.4	4.3	4.4
Progressive	4.2	3.7	3.2	4.3
State Farm	4	3.2	N/A	4.8
Geico	3.6	2.3	4.7	3.8

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Vernal

Vernal drivers must abide by Utah’s minimum liability insurance requirement. Every Vernal driver is required to purchase a minimum level of

liability insurance

, including bodily injury liability and property damage liability.

Full coverage

is optional, but it’s the only way to cover damage to your own vehicle.

Furthermore, drivers must also carry

personal injury protection (PIP)

with at least $3,000 of coverage limits.

Cheap minimum liability insurance quotes in Vernal

The

state minimum liability requirements

for car insurance in the Beehive State are 25/65/15:

$25,000 per person of

bodily injury liability

coverage

$65,000 per accident of bodily injury

$15,000 per accident of

property damage liability

Every driver must carry at least this amount of coverage, as mandated by the state code

Jerry has helped car owners in Vernal find minimum liability coverage at affordable rates.

Progressive

Lilly (44 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Buick Century Custom

$75

per month

Clearcover

Edna (28 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Dodge Challenger R/T

$169

per month

Kemper

Walter (22 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Nissan Sentra S

$92

per month

Dairyland

Angel (20 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Chevrolet Silverado K1500

$147

per month

Do you need more than minimum coverage in Vernal?

Many Vernal drivers prefer higher liability coverage than the state's 25/65/15

minimum coverage requirements

Think about it: if you cause an accident, you may have to cover the costs of the other person's medical bills and car repairs. If the costs exceed your policy’s bare-bones limits, you could be forced to pay out-of-pocket.

Go beyond the bare minimum to avoid the burden of paying thousands of dollars if the other party's injuries are severe.

The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or better yet, get full coverage on your car.

Cheap full coverage car insurance quotes in Vernal

Full coverage is the best protection against all the potential disasters of life on the road. Full coverage in Vernal pays for the costs to repair or replace your own vehicle after a covered incident.

Included in your Vernal full coverage policy is comprehensive and collision coverage.

Collision coverage

: Covers the cost of collision-related damage, such as broken bumpers or body work to your vehicle

Comprehensive coverage

: Pays for non-collision damage, such as vandalism, theft, or even damage from hail or falling branches

Lenders in Vernal require borrowers to purchase a full-coverage policy before completing a vehicle sale. If you financed your car, you probably have to purchase full coverage car insurance.

Jerry's agents have helped drivers find

affordable full-coverage policies

in Vernal.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$104	Ann, 31 Zip: 84078	Hyundai Santa FE SE
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$112	Arthur, 51 Zip: 84078	Ford F250 Super Duty
• State Minimum Liability • Comp / Collision	Safeco	$211	Milton, 28 Zip: 84078	Dodge Challenger R/T
• 50,000/100,000 Liability • Comp / Collision	Allstate	$89	Jimmy, 43 Zip: 84078	Ford Fusion SE
• 50,000/100,000 Liability • Comp / Collision	Clearcover	$133	Callie, 41 Zip: 84078	Nissan Altima S

Last Updated Sep 24, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Vernal

After analyzing scores of insurance providers in Vernal, we have discovered that the average price for minimum liability coverage amounts to be $92 per month or $1,104 per year. Additionally, residents of Vernal can expect to pay an average of $111 per month or $1,336 per year for full coverage insurance.

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Compare car insurance costs in other states

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Car insurance quotes in Vernal by rating factors

Insurance companies in Vernal use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Vernal?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Utah currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Vernal:

Cheap car insurance quotes in Vernal after driving violations

Traffic violations can have a major impact on how much you pay for car insurance in Vernal—especially if you have more than one on your record. With a pattern of violations, insurance companies will consider you a

high-risk driver

and charge you higher rates to compensate for the risk of insuring you.

Cheapest car insurance in Vernal after DUI

Vernal is subject to Utah’s strict

DUI laws

. Any DUI conviction in Vernal—or elsewhere—will trigger very high premiums, and it’s even possible that a company could deny you coverage.

You can find affordable car insurance after a DUI conviction, but you’ll need to shop around and compare quotes to find the best rate for your situation.

Jerry has helped real Vernal drivers find affordable rates after a DUI.

Progressive

Beulah (37 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Vernal, UT (Zip Code: 84078)

Chevrolet Suburban K1500

$75

per month

Cheapest car insurance in Vernal after an at-fault accident

Do you have an at-fault accident on your record? This will negatively affect your car insurance rates—especially if it was a recent one.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$157	Katie, 28 Zip: 84078	Dodge Challenger R/T	• State Minimum Liability • Comp / Collision
Not At Fault	Safeco	$144	Dale, 59 Zip: 84078	Chevrolet Impala Limited LS	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$137	Eugene, 30 Zip: 84078	Nissan Rogue S	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 19, 2023

Cheapest car insurance in Vernal after other driving violations

Your premium could go up after infractions such as careless driving or improper passing. Break a law, suffer the consequences!

Luckily, Jerry helps drivers find affordable coverage even with a spotty driving record.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Obey Signal	Progressive	$84	Edward, 47 Zip: 84078	Volkswagen NEW Beetle GLS Sport	• 50,000/100,000 Liability
Failure to Obey Signal	Progressive	$84	Alta, 47 Zip: 84078	Volkswagen NEW Beetle GLS Sport	• 50,000/100,000 Liability

Last Updated Sep 25, 2023

Cheap car insurance quotes in Vernal by age

No matter where you live, your age is a key determinant in calculating your rate. Young drivers under 25 and older drivers over 75 in Vernal pay more for coverage due to the risks associated with lack of experience and the aging-related decline in physical and mental abilities.

Cheapest car insurance in Vernal for young drivers

In Vernal, drivers under the age of 19 or a

provisional license

pay the most for car insurance. These teen drivers have the least experience behind the wheel, and they’re also more vulnerable to accidents and distracted driving. As a result, full coverage is a good choice for insuring a young teen in Vernal who is driving a newer vehicle.

Clearcover

Virginia (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Vernal, UT (Zip Code: 84078)

Toyota Celica GT

$63

per month

Dairyland

Angel (20 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Chevrolet Silverado K1500

$147

per month

Kemper

Walter (22 years old)

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Nissan Sentra S

$92

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

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Courtney

Got a decent rate for my Tesla Model S from travelers

Kishore

Great fil for this app and helping me save money!

Aaron

They were affordable and great very personable and reasonable

Audrey

Cheap car insurance quotes in Vernal based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Evelyn (44 years old)

Currently Insured

Coverage

State Minimum

Vernal, UT (Zip Code: 84078)

Buick Century Custom

$75

per month

Safeco

Paul (27 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Vernal, UT (Zip Code: 84078)

Toyota Camry

$84

per month

Travelers

Vernon (41 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Vernal, UT (Zip Code: 84078)

Nissan Altima S

$130

per month

Allstate

Ronnie (43 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Vernal, UT (Zip Code: 84078)

Ford Fusion SE

$89

per month

State Auto

Stella (37 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Vernal, UT (Zip Code: 84078)

Chevrolet Suburban K1500

$73

per month

Cheap car insurance quotes in Vernal for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though

credit scores

don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
550 - 659	Progressive	$84	Cornelia, 47 Zip: 84078	Volkswagen NEW Beetle GLS Sport	• 50,000/100,000 Liability
< 550	Dairyland	$129	Elijah, 26 Zip: 84078	Chevrolet Impala LT	• 50,000/100,000 Liability

Last Updated Sep 24, 2023

Cheap car insurance quotes in Vernal for popular cars

Your Vernal car insurance rate is partially determined by the make and model of your vehicle. That’s because some cars cost less to repair, have more safety features, or are more vulnerable to theft.

Here are a few of the most popular cars in Vernal:

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Vernal

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Vernal?

People living in Vernal pay on average $92 per month – or $1,104 per year – on state-minimum liability coverage. Full coverage in Vernal costs on average $111 per month of $1,336 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Vernal?

Based on thousands of Vernal drivers Jerry has worked with, car insurance in Vernal costs an average of $92 per month for state-minimum coverage and $111 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Vernal, Utah?

The state-minimum car insurance in Vernal, Utah is $20,000 in bodily injury liability per person, $65,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 20/65/15 coverage.

What is the best car insurance in Vernal?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Dairyland

, The General, and

Nationwide

receive good ratings from Vernal drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.