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Get Cheap Car Insurance in Ouray, UT
We monitor insurance prices, helping the average driver in Ouray save up to 42.8% on car insurance.
The Cheapest Minimum Coverage in Ouray
The chart below shows the cheapest car insurance company in Ouray 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.
| Ouray Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $50 |
| Auto-Owners Insurance | $50 |
| Travelers | $58 |
| State Farm | $61 |
Savings for Every Kind of Ouray Driver
Based on our extensive insurance data, we know the average Ouray 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 $423 per year by choosing the right vehicle insurance company. Some Ouray residents are paying out over $1,379 extra every year for auto insurance in Ouray. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ouray, UT Savings / Yr. |
|---|---|
$423 |
|
$771 |
|
$617 |
|
$778 |
|
$2,044 |
|
$223 |
|
$891 |
Ouray Car Insurance vs. Utah
People living in Ouray pay an average of 3.09% less than the typical driver in the state. The average driver in Ouray can expect to pay about $766 per year, or $1,379 for full coverage.
Based on our analysis, Bear River Mutual will be the cheapest provider in Ouray for most people.
Car Insurance Prices by Ouray Neighborhood
Insurance Prices
Where is insurance cheapest within Ouray?
The map shows insurance prices in and around Ouray, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $4 per year within the city boundaries, with insurance premiums ranging from a high of $1,381 to a low of $1,377. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Ouray.Pick the Best Car Insurance Company for You in Ouray
The best car insurance provider for most drivers in Ouray
For drivers with clean driving records and no major strikes, Bear River Mutual is the best option, with annual savings of $423 over the average Ouray car insurance company.
The best car insurance provider for Ouray drivers with accidents on their records
In our analysis, Bear River Mutual saved the average person who had been in an accident the most, with annual savings averaging $771 over the competition.
The best car insurance company for Ouray drivers with speeding tickets
>Bear River Mutual gave the average person with a speeding ticket the most savings, averaging $617 better than other car insurance companies.
The best auto insurance for Ouray drivers with a DUI conviction
Getting a quote from Bear River Mutual may cost the average person with a DUI about $778 less each year.
The least expensive car insurance company for new and young drivers in Ouray
In Ouray, Bear River Mutual costs young drivers $2,044 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ouray
Progressive gave the largest car insurance discounts to married couples, averaging $223 saved each year compared to an average Ouray couple's premiums.
The cheapest car insurance in Ouray for drivers with bad credit
The best Ouray car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ouray
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Ouray driver can expect to pay about $105 per month.
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 Ouray, 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.Auto Insurance Prices in and Around Ouray
What Influences the Cost of Car Insurance in Ouray?
On average, car insurance in Ouray 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 Ouray is 26 minutes, which is a little less 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 Ouray are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Ouray 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 Ouray 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
- Fort Duchesne: Insurance costs 1.09% more
- Ballard: Insurance costs 1.09% more
- Leeton: Insurance costs 2.47% more
- Gusher: Insurance costs 0.07% less
- Roosevelt: Insurance costs 0.44% less
- Tridell: Insurance costs 1.89% more
- Randlett: Insurance costs 0.22% less
- Lapoint: Insurance costs 1.45% more
- Myton: Insurance costs 0.22% less
- Cedarview: Insurance costs 0.15% less
Cities with Similar Populations
- Malmo: Insurance costs 20.52% more
- Lowsville: Insurance costs 1.52% more
- Lucien: Insurance costs 20.30% more
- Ludlowville: Insurance costs 45.40% more
- Lumber: Insurance costs 15.59% more
- Lundy: Insurance costs 86.08% more
- Lyra: Insurance costs 18.35% less
- Madisonville: Insurance costs 31.25% more
- Magness: Insurance costs 19.51% more
- Magnet: Insurance costs 1.16% more