Car Insurance in St. George
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Driving in St. George, Utah
The namesake for St. George, Utah is not the dragon-slayer of Catholicism but rather the beloved Potato Saint of Mormonism, Apostle George A. Smith. If you drive through St. George on Sunday morning, it is hard not to notice the massive Mormon temple on East 400 Street South that recently reopened for tours after renovations.
This isolated town of 102,519 packs 1,215 people into every square mile of its development and is growing faster than Las Vegas is. Although expensive, it is popular with retirees and anyone who enjoys outdoor recreation at nearby Snow Canyon and Sand Hollow State Parks.
Although residents of St. George have only a 17.9-minute commute. they make up the mileage in trips to Las Vegas. Even if they don't enjoy gambling, Las Vegas is the closest metropolitan area, so residents must make the 115-mile drive for various amenities. Be sure you have car insurance in St. George before speeding to Sin City at I-15's legal 80 mph.
Mitigating Risks to Your Vehicle
Car Theft
You have a 1 in 213 chance of someone stealing your car in the northern part of town. This statistic gives St. George a grade of D- for car theft, with only 8% of cities being more dangerous. Utah requires only liability car insurance in St. George, which does not pay to replace a stolen vehicle or your possessions inside.
Excessive Heat
The summer of 2023 saw high temperatures of nearly 115 degrees in St. George. Roads and sidewalks are no match for southern Utah's blazing sun and often buckle under the UV rays. These damaged sections of pavement are notorious for damaging tires and making driving treacherous.
Wildfire
According to Utah firefighters, vehicles are responsible for a large number of wildfires in the state. For example, motorists who continue to drive on a flat tire because their insurance doesn't include roadside assistance can create sparks that ignite dry grass. If prosecuted, these drivers could potentially be liable for environmental damage.
Choosing Car Insurance With VIU by HUB
Even though SunTran buses service the city, only 0.6% of people ride a city bus to work. The rest drive their own vehicles, the majority of which are trucks. The following are the most popular vehicles in Utah :
- Ford F-150
- Ram 1500
- Chevrolet Silverado 1500
- Toyota Tacoma
- Honda Civic
A large, four-wheel-drive vehicle is not necessary for city driving in a state that only receives an average of 8.2 inches of precipitation each year. A smaller car will also save you money on car insurance in St. George. Other factors that affect your monthly premium include where you live, how old you are and details about your past driving history.
The average cost of car insurance in St. George is $1,614. This average is less expensive than other locations in Utah, but it varies based on which insurance company you have. When you use VIU by HUB, you can make side-by-side comparisons to see which insurer has the best offer.
Looking at quotes from multiple insurers also helps you choose what you need in a policy. For example, some people forego collision insurance for older vehicles that they have finished paying for. Rental insurance and non-owner policies are other options that are helpful to some people but not to others.
This information is intended for general informational purposes only and is not intended to constitute legal advice.