If you’re a driver in Clearfield, Utah, and you’re looking for the best car insurance in Clearfield UT, you’re not alone. Whether you’re commuting to Salt Lake City, driving locally in Davis County, or just moved into the area, having the right auto insurance is essential for financial protection and peace of mind.
This guide breaks down the top insurance providers in Clearfield, what coverage options are available, how rates are determined, and answers to the most common questions local drivers have.
Why Car Insurance Matters in Clearfield, Utah
Clearfield is located near major highways like I-15 and is home to Hill Air Force Base, one of the largest employers in the region. With increased commuter traffic and seasonal weather risks such as snow and ice, having reliable car insurance is not only smart—it’s required.
Utah law mandates that all drivers carry minimum liability coverage, but most drivers in Clearfield opt for expanded protection to guard against uninsured motorists, vehicle damage, and medical expenses.
What Does Car Insurance Cover?
Here are the main types of car insurance coverage available in Clearfield:
Required by Utah Law:
- Liability Coverage: Covers damages or injuries you cause to others.
- $25,000 for bodily injury per person
- $65,000 per accident for bodily injury
- $15,000 for property damage
- Personal Injury Protection (PIP): Covers medical expenses, regardless of fault.
- Minimum required: $3,000
Optional Coverages:
- Collision Coverage: Pays for damage to your vehicle after a crash.
- Comprehensive Coverage: Covers non-collision events like theft, hail, or vandalism.
- Uninsured/Underinsured Motorist: Protects you if hit by a driver without enough coverage.
- Roadside Assistance: For towing, flat tires, lockouts, and more.
- Rental Reimbursement: Covers the cost of a rental car after an accident.
Top Car Insurance Providers in Clearfield UT
When comparing car insurance in Clearfield UT, it’s helpful to look at both national companies and regional insurers with a strong Utah presence.
1. State Farm
Offers competitive rates, especially for multi-policy holders. Local agents are available in Clearfield for personalized service.
2. GEICO
Known for affordable rates and an efficient online quote system. Good for tech-savvy customers and military personnel stationed at Hill Air Force Base.
3. Progressive
Excellent for high-risk drivers or those needing flexible policy options. The Snapshot program rewards safe driving behavior.
4. Allstate
Offers extensive coverage options and a Drivewise program that gives discounts for safe driving. Local agents available in Davis County.
5. Bear River Mutual
A Utah-only provider that often offers lower rates for in-state drivers with clean records.
6. Farmers Insurance
Strong local presence with customizable policies and experienced agents in the Clearfield and Layton areas.
What Affects Car Insurance Rates in Clearfield?
Several factors determine how much you’ll pay for auto insurance:
- Driving History: Clean records receive lower rates.
- Age & Gender: Younger drivers often pay more.
- Vehicle Type: Newer or more expensive cars typically cost more to insure.
- ZIP Code: Rates can vary slightly by neighborhood within Clearfield.
- Credit Score: Utah allows credit scores to influence pricing.
- Annual Mileage: More miles driven means more exposure to accidents.
Tips for Getting the Best Car Insurance Rates in Clearfield UT
- Compare at Least 3 Quotes: Rates vary widely by company.
- Ask for Discounts: You may qualify for safe driver, good student, bundling, or military discounts.
- Raise Your Deductible: A higher deductible can lower monthly premiums.
- Bundle Policies: Combine auto with renters or homeowners insurance for savings.
- Take a Defensive Driving Course: Some insurers offer a discount for completion.
Frequently Asked Questions (FAQs)
How much does car insurance cost in Clearfield, UT?
On average, drivers in Clearfield pay between $1,200 and $1,800 per year for full coverage. Minimum liability-only policies may cost around $600 to $900 per year, depending on your profile.
Is car insurance required in Utah?
Yes. Utah law requires:
- Liability coverage (25/65/15)
- Personal Injury Protection (PIP) of at least $3,000
Driving without insurance can result in fines, license suspension, and vehicle impoundment.
Can I get cheap car insurance in Clearfield?
Yes. By comparing quotes, maintaining a clean driving record, and qualifying for discounts, you can often find competitive rates from both national and local providers.
Which companies offer the best car insurance in Clearfield UT?
Highly-rated providers in Clearfield include State Farm, GEICO, Bear River Mutual, Progressive, and Allstate. The best company depends on your driving history, budget, and coverage needs.
Do military personnel in Clearfield get discounts?
Yes. Companies like GEICO, USAA, and Progressive offer discounts for active duty and retired military. This is especially relevant for those stationed at or working near Hill Air Force Base.
Should I get full coverage or liability-only?
Full coverage is recommended if you have a newer car or a loan. Liability-only is cheaper but leaves you unprotected against theft, weather damage, and at-fault collisions.
Final Thoughts
Finding the right car insurance in Clearfield UT doesn’t have to be complicated. Start by comparing quotes from trusted providers, evaluate what coverages you truly need, and look for ways to save through discounts and bundling. Whether you’re driving to work, exploring Davis County, or commuting along I-15, the right policy can help you stay protected and financially secure.