Car Insurance in Cedar City, Utah (84720/84721)
Reviewed by Kip LeeLicensed UT / NV / AZ agent since 2005
Best car insurance & auto insurance rates in Cedar City, UT (84720/84721). OnPoint shops 20+ A-rated carriers for Iron County drivers.
Serving ZIP 84720, 84721 and surrounding Iron County.
Car insurance & auto insurance in Cedar City, UT (84720 / 84721) typically runs $58–$228/month depending on whether you're an SUU student, an Enoch / Cross Hollows commuter on SR-130, or a Brian Head / I-15 mountain-pass driver. Call (435) 628-0993 for a same-day Cedar City quote.
OnPoint Insurance Group is an independent broker that shops 20+ A-rated carriers — Travelers, Progressive, Nationwide, Liberty Mutual, GEICO and more — against your Iron County garaging address, winter mileage, and vehicles in a single quote.
What does a Cedar City household actually pay for car insurance?
Reviewed by Kip LeeLast updated
Most Cedar City households we quote land between $58 and $228 per month for full coverage, with SUU students at the low end and I-15 mountain-pass commuters running an umbrella at the top end. Cedar City is a genuinely different market than St. George — 5,800-foot elevation, winter ice on I-15, and SR-143 mileage up to Brian Head all reshape which carrier wins for 84720 and 84721.
The tier matrix below reflects what OnPoint Insurance Group has actually been binding for Cedar City and Iron County in the last 90 days. We group by household type and winter route — because in Iron County your elevation, commute direction, and SUU student count drive premium far more than your specific street does.
| Cedar City household tier | Range |
|---|---|
SUU student / 84720 apartment One paid-off car, liability + comp 50/100/50 + comp | $58 – $94/mo |
Cedar City family near SUU SUV + sedan, garaged, low miles 100/300/100 + $500 ded. | $96 – $138/mo |
Enoch / Cross Hollows household Truck + SUV, SR-130 commute 100/300/100 + OEM glass | $124 – $172/mo |
Brian Head / Cedar Breaks commuter 4WD SUV up SR-143, winter miles 100/300/100 + roadside | $132 – $184/mo |
I-15 mountain-pass commuter to St. George Daily 100-mile round trip on the Black Ridge 250/500/250 + $1M umbrella | $168 – $228/mo |
Fiddlers Canyon / Coal Creek retired couple Two paid-off vehicles, under 7k miles each 100/300/100 stacked UM | $72 – $108/mo |
Indicative ranges based on Cedar City and Iron County quotes run in the last 90 days across our 20+ carrier panel — not a binding quote. Your real 84720 / 84721 number takes about 2 minutes.
Cedar City vs. St. George vs. Hurricane — same driver, three Utah ZIPs
Same household, same vehicles, same limits — only the garaging ZIP changes. Useful if you're choosing between Iron County and Washington County, or moving to or from Cedar City. Compare directly with our St. George, Hurricane, Washington City, Ivins, and Santa Clara auto pages. Indicative monthly premiums based on OnPoint quotes run in the last 90 days; not a binding quote.
| Driver profile | Cedar City (84720) |
|---|---|
| Retired couple, 2 paid-off sedans, 100/300 | $88 – $118/mo |
| Family, 2 vehicles + SUU/teen driver, 100/300 | $182 – $238/mo |
| I-15 mountain-pass commuter, 1 SUV, 250/500 + umbrella | $168 – $228/mo |
| Single SUU student, paid-off compact, liability + comp | $58 – $94/mo |
Iron County retirees and SUU students usually quote a few dollars under Washington County — but I-15 mountain-pass commuters running daily to St. George are the major exception, and that mileage is the single biggest driver we see at renewal time.
Cedar City, UT car insurance — questions we hear most
How much is auto insurance in Cedar City, Utah (84720 / 84721)?
Most Cedar City households we quote land between $58 and $228 per month for full coverage. SUU students in 84720 apartments typically come in at $58–$94/mo on a single paid-off vehicle. Cedar City families near campus generally quote $96–$138/mo. Enoch and Cross Hollows households with an SR-130 commute usually fall in the $124–$172/mo range. Brian Head / Cedar Breaks commuters driving SR-143 in winter run $132–$184/mo because of the winter mileage and elevation. The high end is I-15 mountain-pass commuters running 250/500 limits with an umbrella down to St. George, around $168–$228/mo.
Why is Cedar City auto insurance priced differently than St. George?
Cedar City sits at 5,800 feet, which means a totally different claim profile than the St. George basin: real winters, ice on I-15 between Kanarraville and Parowan, snow accumulation through Parowan Gap, and almost zero monsoon hail exposure. Carriers that win in Washington County (where summer hail and rapid suburban growth drive pricing) frequently lose in Iron County, where the dominant risks are winter collision, deer strikes on SR-130, and SR-14 / SR-143 tourism traffic. Captive agents who use one statewide rate sheet miss this — we shop a different carrier panel for 84720 and 84721 than we lead with in 84790.
Related Cedar City & Iron County resources
Auto Insurance built for the way Cedar City actually lives
Cedar City sits at 5,800 feet, which means a different risk profile than St. George: real winters, ice on I-15, snow-load considerations on roofs, and a meaningful drop in summer hail exposure. We write coverage that reflects Cedar's climate, not St. George's.
Cedar's economy splits across SUU, healthcare, manufacturing, and a strong tourism corridor pulling people up to Brian Head, Cedar Breaks, and the Zion side roads. We work with student-rental owners, university families, contractors, and small business operators across Iron County.
When we quote auto insurance for a Cedar City client, we factor in real winters with snow-load and ice risk, SUU student-housing landlord coverage, cedar city historic downtown and coal creek flood risk, and the specific carriers that price Iron County fairly. That's the difference between a quote and a policy that holds up when something happens.
What changes auto insurance pricing and coverage in Cedar City
Every Cedar City auto quote we write factors in the specific risks below. National carriers running rates off ZIP-code averages miss this — which is why Cedar City clients often see materially different premiums and coverage between shops. Here's what we pay attention to in Iron County:
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A note on Cedar City specifically: Cedar's economy splits across SUU, healthcare, manufacturing, and a strong tourism corridor pulling people up to Brian Head, Cedar Breaks, and the Zion side roads. We work with student-rental owners, university families, contractors, and small business operators across Iron County. For auto insurance specifically, this shapes which carriers we lead with, what limits many clients consider, and which endorsements tend to actually pay out when Cedar City clients file a claim. Generic statewide templates miss most of this.
An independent agent serving Cedar City
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Local to every corner of Cedar City
We write auto insurance for Cedar City clients across downtown Cedar City, SUU area, Cross Hollows, Enoch (just north), Coal Creek area and Fiddlers Canyon — plus the surrounding Iron County area.
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