Pleasant Grove drivers pay an average of $1,769/year — $2 less than the national average. With 409 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $545/year.
(888) 217-6781Estimated full coverage auto insurance rates for Pleasant Grove, UT from top carriers. Rates are adjusted for Pleasant Grove's 409 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $588 | $98/mo |
| GEICO | $669 | $112/mo |
| Bear River Mutual | $710 | $118/mo |
| Progressive | $756 | $126/mo |
| State Farm | $825 | $137/mo |
Estimates based on 2026 rate filings for ZIP 84042. USAA is cheapest at ~$98/mo. Actual rates vary by driver profile and exact Pleasant Grove location.
These Pleasant Grove-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Pleasant Grove, UT. Takes under 2 minutes.
(888) 217-6781Pleasant Grove is a smaller city in Utah with a population of 37,726. 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 Pleasant Grove.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Pleasant Grove can swing your premium by hundreds of dollars. Here's how rates compare across Pleasant Grove neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84045 | Pleasant Grove South Side | $1,659/yr | $138/mo |
| 84045 | Pleasant Grove North Side | $1,685/yr | $140/mo |
| 84062 | Pleasant Grove West Side | $1,745/yr | $145/mo |
| 84046 | Pleasant Grove East Side | $1,832/yr | $153/mo |
| 84042 | Pleasant Grove Downtown/Central | $1,943/yr | $162/mo |
The cheapest ZIP is 84045 (Pleasant Grove South Side) at $1,659/yr. The most expensive is 84042 (Pleasant Grove Downtown/Central) at $1,943/yr — a $284/year difference for the same driver.
Your Pleasant Grove ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Pleasant Grove. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,715/yr | $310/mo | +110% vs avg |
| Young Adult (20-25) | $2,477/yr | $206/mo | +40% vs avg |
| Adult (26-35) | $1,769/yr | $147/mo | 0% vs avg |
| Mid-Career (36-50) | $1,557/yr | $130/mo | -12% vs avg |
| Senior (51-65) | $1,468/yr | $122/mo | -17% vs avg |
| 65+ | $1,574/yr | $131/mo | -11% vs avg |
Teens in Pleasant Grove pay an average of $3,715/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,468/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.
Pleasant Grove drivers can save up to $545/year. ZIP 84045 (Pleasant Grove South Side) has the lowest rates starting at $1,659/yr.
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