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2024

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Best Local Car Insurance Agencies in Ogden, UT

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Ogden Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

53Reviewed

33Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

151 Historic 25th Street, Ogden, UT 84401
WebsiteLicense: 135346

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (13)
Yelp
2.5 (2)

Why choose this provider?

Kallee Genta is a State Farm insurance agent providing life and auto insurance plans in Ogden. State Farm offers a wide range of car insurance coverages, including auto insurance for teen drivers, insurance protection for rental cars, and insurance for sports cars. Genta's agency focuses on helping small businesses and prides itself on being a woman-owned company. In addition, she deals with property, home, business, health, and life insurance policies.

  • Bundling Option

2120 North Washington Road Boulevard, North Ogden, UT 84414
WebsiteLicense: 637660

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

JustProtectInsurance is a company of insurance professionals and agents that operates in the Ogden metro and nearby areas. The company provides commercial and personal insurance lines to clients including its auto insurance policies. The policies follow local state standards for minimum damage and liability coverage. It works with various insurance providers to formulate the necessary policy for its clients. JustProtectInsurance was founded by Jesse Porch in 2018. It is committed to delivering friendly and professional services.

  • Multiple Carriers

5075 South 1500 West, Riverdale, UT 84405
WebsiteLicense: 396592

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (5)

Why choose this provider?

Keyes Insurance Services, Inc., specializes in providing insurance solutions for employers. Serving Ogden, the agency offers a wide range of products including auto insurance. It is licensed with various insurance providers, and this allows its team to compare options from different carriers in the process of finding the coverage that will meet clients' specific criteria. Keyes Insurance Services, Inc., has been serving employers' insurance needs for over two decades. Its team has a combined industry experience of over 50 years.

  • Bundling Option

187 East 1600 North, Logan, UT 84341
WebsiteLicense: 434960

Expertise.com Rating

Review Sources

Google
3.3 (11)
Facebook
5.0 (6)

Why choose this provider?

Affordable Insurance Solutions is a locally owned and operated health insurance agency with over 100 years of combined experience in Utah, servicing Ogden and nearby areas. Their team of experienced insurance professionals takes pride in providing their clients a comprehensive insurance solution at affordable prices, including auto, home, life and health, business, and financial products. The agency dedicates itself to offering carefully planned insurance coverage options that suit its clients' individual needs. Its partners have established insurance carriers that tailor any insurance policy.

  • Boats
  • Motorcyle & ATV

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kallee Genta
151 Historic 25th Street, Ogden, UT 84401
JustProtectInsurance
2120 North Washington Road Boulevard, North Ogden, UT 84414
Keyes Insurance Services, Inc.
5075 South 1500 West, Riverdale, UT 84405
Affordable Insurance Solutions
187 East 1600 North, Logan, UT 84341
navigateins.com
4640 South 3500 West, West Haven, UT 84401

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How does Insure-Rite work with the DMV to handle uninsured vehicles in Ogden?

    In Ogden, Insure-Rite works with the DMV to identify vehicles that do not have insurance. They collect insurance information from local insurers, compare it to Utah's registered vehicles, and look for discrepancies. If a vehicle lacks coverage, the owner is notified. Noncompliance leads to Insure-Rite notifying the DMV, which results in registration cancellation, compelling the owner to act, and ensuring uninsured drivers stay off Ogden's roads.

  • How does the deductible amount impact insurance premiums in Ogden?

    In Ogden, a higher deductible correlates with lower premiums, while a lower one raises the premium cost. Residents should select a deductible that they are comfortable covering. It is also important to remember that if multiple claims arise in a short period of time, the deductible applies to each one separately. Choosing wisely ensures manageable out-of-pocket costs when incidents occur.

  • How do multiple auto insurance claims within a year impact Ogden residents, and how long do insurers typically review their driving records?

    There is no set limit for auto insurance claims in Ogden. Multiple claims within a year, on the other hand, may cause insurers to be concerned. Before you file, make sure your deductible is reachable. Insurance companies typically review driving records that span three to five years. The length of time incidents remain on records can vary; for example, a single at-fault accident may have a different retention period.

  • How do auto insurance companies in Ogden determine rates based on one's driving history?

    In Ogden, insurers examine past driving behaviors, such as accidents, traffic violations, or DUIs, to forecast future risk patterns. They use these patterns to forecast potential accidents, citations, or claims. These statistical forecasts have a legal impact on car insurance rates. However, it is critical to understand that there is a time limit on how long a single incident or violation can affect or raise your premium.

  • How does Utah's no-fault auto insurance system function for Ogden residents after a car accident?

    Utah's no-fault auto insurance policy implies that Ogden drivers' own policy, known as personal injury protection (PIP), covers medical expenses and financial losses up to policy limits, regardless of fault. Compensation for pain or other intangible damages, on the other hand, is not permitted under this provision. To seek such compensation, the injured person's ailments must meet specific criteria established by Utah law.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.