Payson drivers pay an average of $1,645/year — $126 less than the national average. With 238 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $421/year.
(888) 217-6781Estimated full coverage auto insurance rates for Payson, UT from top carriers. Rates are adjusted for Payson's 238 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $547 | $91/mo |
| GEICO | $622 | $104/mo |
| Bear River Mutual | $660 | $110/mo |
| Progressive | $703 | $117/mo |
| State Farm | $767 | $128/mo |
Estimates based on 2026 rate filings for ZIP 84653. USAA is cheapest at ~$91/mo. Actual rates vary by driver profile and exact Payson location.
These Payson-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Payson, UT. Takes under 2 minutes.
(888) 217-6781Payson is a smaller city in Utah with a population of 21,101. 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 Payson.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Payson can swing your premium by hundreds of dollars. Here's how rates compare across Payson neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84659 | Payson South Side | $1,539/yr | $128/mo |
| 84665 | Payson West Side | $1,600/yr | $133/mo |
| 84658 | Payson North Side | $1,613/yr | $134/mo |
| 84655 | Payson East Side | $1,683/yr | $140/mo |
| 84653 | Payson Downtown/Central | $1,773/yr | $148/mo |
The cheapest ZIP is 84659 (Payson South Side) at $1,539/yr. The most expensive is 84653 (Payson Downtown/Central) at $1,773/yr — a $234/year difference for the same driver.
Your Payson ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Payson. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,455/yr | $288/mo | +110% vs avg |
| Young Adult (20-25) | $2,303/yr | $192/mo | +40% vs avg |
| Adult (26-35) | $1,645/yr | $137/mo | 0% vs avg |
| Mid-Career (36-50) | $1,448/yr | $121/mo | -12% vs avg |
| Senior (51-65) | $1,365/yr | $114/mo | -17% vs avg |
| 65+ | $1,464/yr | $122/mo | -11% vs avg |
Teens in Payson pay an average of $3,455/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,365/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.
Payson drivers can save up to $421/year. ZIP 84659 (Payson South Side) has the lowest rates starting at $1,539/yr.
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