Cottonwood Heights drivers pay an average of $1,756/year — $15 less than the national average. With 392 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $532/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cottonwood Heights, UT from top carriers. Rates are adjusted for Cottonwood Heights's 392 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $584 | $97/mo |
| GEICO | $664 | $111/mo |
| Bear River Mutual | $704 | $117/mo |
| Progressive | $750 | $125/mo |
| State Farm | $819 | $136/mo |
Estimates based on 2026 rate filings for ZIP 84093. USAA is cheapest at ~$97/mo. Actual rates vary by driver profile and exact Cottonwood Heights location.
These Cottonwood Heights-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cottonwood Heights, UT. Takes under 2 minutes.
(888) 217-6781Cottonwood Heights is a smaller city in Utah with a population of 33,617. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as snow, ice, inversions, flash flooding, dust storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Cottonwood Heights.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Cottonwood Heights can swing your premium by hundreds of dollars. Here's how rates compare across Cottonwood Heights neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84105 | Cottonwood Heights South Side | $1,640/yr | $137/mo |
| 84105 | Cottonwood Heights West Side | $1,717/yr | $143/mo |
| 84094 | Cottonwood Heights North Side | $1,719/yr | $143/mo |
| 84103 | Cottonwood Heights East Side | $1,804/yr | $150/mo |
| 84093 | Cottonwood Heights Downtown/Central | $1,867/yr | $156/mo |
The cheapest ZIP is 84105 (Cottonwood Heights South Side) at $1,640/yr. The most expensive is 84093 (Cottonwood Heights Downtown/Central) at $1,867/yr — a $227/year difference for the same driver.
Your Cottonwood Heights ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cottonwood Heights. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,688/yr | $307/mo | +110% vs avg |
| Young Adult (20-25) | $2,458/yr | $205/mo | +40% vs avg |
| Adult (26-35) | $1,756/yr | $146/mo | 0% vs avg |
| Mid-Career (36-50) | $1,545/yr | $129/mo | -12% vs avg |
| Senior (51-65) | $1,457/yr | $121/mo | -17% vs avg |
| 65+ | $1,563/yr | $130/mo | -11% vs avg |
Teens in Cottonwood Heights pay an average of $3,688/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,457/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Utah cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cottonwood Heights drivers can save up to $532/year. ZIP 84105 (Cottonwood Heights South Side) has the lowest rates starting at $1,640/yr.
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