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Get Cheap Car Insurance in Mexican Hat, UT

We monitor insurance prices, helping the average driver in Mexican Hat save up to 42.8% on car insurance.

 

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The Cheapest Minimum Coverage in Mexican Hat

The chart below shows the cheapest car insurance company in Mexican Hat for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by Auto-Owners Insurance, Travelers, and State Farm.

 
Mexican Hat Insurer Monthly Cost
Farm Bureau $50
Auto-Owners Insurance $50
Travelers $58
State Farm $60

Savings for Every Kind of Mexican Hat Driver

The table shows how much the average auto insurance customer in Mexican Hat might save by following our recommendations.

Based on our extensive insurance data, we know the average Mexican Hat driver will save about 31% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $422 per year by choosing the right vehicle insurance company. Some Mexican Hat residents are paying out over $1,374 extra every year for auto insurance in Mexican Hat. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Mexican Hat Car Insurance vs. Utah

People living in Mexican Hat pay an average of 3.46% less than the typical driver in the state. The average driver in Mexican Hat can expect to pay about $763 per year, or $1,374 for full coverage.

Based on our analysis, Bear River Mutual will be the cheapest provider in Mexican Hat for most people.

Car Insurance Prices by Mexican Hat Neighborhood

Mexican Hat, UT map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Mexican Hat?

The map shows insurance prices in and around Mexican Hat, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $35 per year within the city boundaries, with insurance premiums ranging from a high of $1,385 to a low of $1,350. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Mexican Hat.

Pick the Best Car Insurance Company for You in Mexican Hat

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Mexican Hat insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mexican Hat

For drivers with clean driving records and no major strikes, Bear River Mutual is the best option, with annual savings of $422 over the average Mexican Hat car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Mexican Hat. Nationwide, Bear River Mutual, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Mexican Hat drivers with accidents on their records

In Mexican Hat getting into an accident will raise premiums an average 34% for a yearly cost of $2,093. That's $719 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Bear River Mutual, and Farm Bureau are good choices for drivers with accidents.

In our analysis, Bear River Mutual saved the average person who had been in an accident the most, with annual savings averaging $768 over the competition.

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The best car insurance company for Mexican Hat drivers with speeding tickets

>Bear River Mutual gave the average person with a speeding ticket the most savings, averaging $615 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mexican Hat, tickets raise premiums on new quotes about $416. If you have a speeding ticket, we recommend Nationwide, Bear River Mutual, and Farm Bureau for savings that beat the average insurance cost of $1,790 per year.

The best auto insurance for Mexican Hat drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,010 per year in auto insurance premiums, which was $636 more than a driver with no major issues. Progressive, Bear River Mutual, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Bear River Mutual may cost the average person with a DUI about $775 less each year.

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The least expensive car insurance company for new and young drivers in Mexican Hat

In Mexican Hat, Bear River Mutual costs young drivers $2,036 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Mexican Hat. With an average cost of $4,763 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Bear River Mutual, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Mexican Hat

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. Progressive, Auto-Owners Insurance, and Farm Bureau provided the largest discounts to couples living in Mexican Hat.

Progressive gave the largest car insurance discounts to married couples, averaging $222 saved each year compared to an average Mexican Hat couple's premiums.

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The cheapest car insurance in Mexican Hat for drivers with bad credit

People with poor credit saved an average of $887 with Bear River Mutual.

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Many people are surprised that their poor credit score can cost them an average of $1,032 every year. Premiums for people with poor credit were about $2,406 in Mexican Hat. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bear River Mutual.

The best Mexican Hat car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mexican Hat, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Mexican Hat.

Nationwide was the best company for customer service in Mexican Hat according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mexican Hat, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Mexican Hat. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Mexican Hat

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of Mexican Hat residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Nationwide tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Mexican Hat driver can expect to pay about $105 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Mexican Hat, USAA has the best prices for young drivers, good drivers, drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, married couples, and drivers with accidents.
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Auto Insurance Prices in and Around Mexican Hat

What Influences the Cost of Car Insurance in Mexican Hat?

On average, car insurance in Mexican Hat is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Mexican Hat is 32 minutes, which is a little more than average for a driver in the state.
  • Utah state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Mexican Hat are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Mexican Hat is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Mexican Hat is $64 per month for minimum coverage and $114 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Mexican Hat driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mexican Hat with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.