Murray drivers pay an average of $1,754/year — $17 less than the national average. With 677 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $530/year.
(888) 217-6781Estimated full coverage auto insurance rates for Murray, UT from top carriers. Rates are adjusted for Murray's 677 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $583 | $97/mo |
| GEICO | $663 | $111/mo |
| Bear River Mutual | $704 | $117/mo |
| Progressive | $749 | $125/mo |
| State Farm | $818 | $136/mo |
Estimates based on 2026 rate filings for ZIP 84107. USAA is cheapest at ~$97/mo. Actual rates vary by driver profile and exact Murray location.
These Murray-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Murray, UT. Takes under 2 minutes.
(888) 217-6781With 50,637 residents, Murray is a growing community in Utah where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like snow, ice, inversions, flash flooding, dust storms and commuter corridors still influence premiums. Murray drivers often find rates slightly below the Utah state average.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Murray can swing your premium by hundreds of dollars. Here's how rates compare across Murray neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84116 | Murray South Side | $1,658/yr | $138/mo |
| 84112 | Murray North Side | $1,683/yr | $140/mo |
| 84115 | Murray West Side | $1,704/yr | $142/mo |
| 84115 | Murray East Side | $1,790/yr | $149/mo |
| 84107 | Murray Downtown/Central | $1,924/yr | $160/mo |
The cheapest ZIP is 84116 (Murray South Side) at $1,658/yr. The most expensive is 84107 (Murray Downtown/Central) at $1,924/yr — a $266/year difference for the same driver.
Your Murray ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Murray. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,683/yr | $307/mo | +110% vs avg |
| Young Adult (20-25) | $2,456/yr | $205/mo | +40% vs avg |
| Adult (26-35) | $1,754/yr | $146/mo | 0% vs avg |
| Mid-Career (36-50) | $1,544/yr | $129/mo | -12% vs avg |
| Senior (51-65) | $1,456/yr | $121/mo | -17% vs avg |
| 65+ | $1,561/yr | $130/mo | -11% vs avg |
Teens in Murray pay an average of $3,683/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,456/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.
Murray drivers can save up to $530/year. ZIP 84116 (Murray South Side) has the lowest rates starting at $1,658/yr.
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