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Get Cheap Car Insurance in Nephi, UT

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

 

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The Cheapest Minimum Coverage in Nephi

The chart below shows the cheapest car insurance company in Nephi 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.

 
Nephi Insurer Monthly Cost
Farm Bureau $50
Auto-Owners Insurance $50
Travelers $59
State Farm $61

Savings for Every Kind of Nephi Driver

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

Based on our extensive insurance data, we know the average Nephi 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 $425 per year by choosing the right vehicle insurance company. Some Nephi residents are paying out over $1,385 extra every year for auto insurance in Nephi. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Nephi, UT Savings / Yr.
Drivers with good records
$425
Drivers with accidents
$775
Drivers with speeding tickets
$620
Drivers with a DUI conviction
$781
Young drivers
$2,052
Married drivers
$224
Drivers with bad credit
$894

Nephi Car Insurance vs. Utah

People living in Nephi pay an average of 2.70% less than the typical driver in the state. The average driver in Nephi can expect to pay about $769 per year, or $1,385 for full coverage.

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

Car Insurance Prices by Nephi Neighborhood

Nephi, 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 Nephi?

The map shows insurance prices in and around Nephi, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $42 per year within the city boundaries, with insurance premiums ranging from a high of $1,399 to a low of $1,357. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Nephi.

Pick the Best Car Insurance Company for You in Nephi

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 Nephi insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Nephi

For drivers with clean driving records and no major strikes, Bear River Mutual is the best option, with annual savings of $425 over the average Nephi car insurance company.

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We use the average good driver, paying $80 per month, as our baseline for pricing in Nephi. 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 Nephi drivers with accidents on their records

In Nephi getting into an accident will raise premiums an average 34% for a yearly cost of $2,110. That's $725 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 $775 over the competition.

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The best car insurance company for Nephi drivers with speeding tickets

>Bear River Mutual gave the average person with a speeding ticket the most savings, averaging $620 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 Nephi, tickets raise premiums on new quotes about $419. If you have a speeding ticket, we recommend Nationwide, Bear River Mutual, and Farm Bureau for savings that beat the average insurance cost of $1,804 per year.

The best auto insurance for Nephi drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,026 per year in auto insurance premiums, which was $641 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 $781 less each year.

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

In Nephi, Bear River Mutual costs young drivers $2,052 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 Nephi. With an average cost of $4,800 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 Nephi

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $84. Progressive, Auto-Owners Insurance, and Farm Bureau provided the largest discounts to couples living in Nephi.

Progressive gave the largest car insurance discounts to married couples, averaging $224 saved each year compared to an average Nephi couple's premiums.

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The cheapest car insurance in Nephi for drivers with bad credit

People with poor credit saved an average of $894 with Bear River Mutual.

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Many people are surprised that their poor credit score can cost them an average of $1,040 every year. Premiums for people with poor credit were about $2,425 in Nephi. 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 Nephi car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Nephi, 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 Nephi.

Nationwide was the best company for customer service in Nephi 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 Nephi, 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 Nephi. 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 Nephi

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Nephi 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 Nephi 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 Nephi, 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 Nephi

What Influences the Cost of Car Insurance in Nephi?

On average, car insurance in Nephi 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 Nephi is 31 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 Nephi are lower than average 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.
  • Nephi has an average population density 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 Nephi is $64 per month for minimum coverage and $115 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 Nephi driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Nephi 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.