Clearfield sits in the heart of Davis County, right next door to Hill Air Force Base—one of Utah's largest employers and a defining feature of this community. With a population approaching 35,000 and a unique mix of military families, civilian workers, and long-time residents, insurance needs here are as diverse as the people. Whether you're an active-duty service member, a defense contractor, or a civilian homeowner, understanding your insurance options in Clearfield means protecting what matters most while navigating Utah's specific requirements.
The insurance landscape changed at the start of 2025 when Utah increased its minimum coverage requirements. Combined with Clearfield's growing housing market—where median home prices hit $428,000—and the area's natural disaster risks, there's never been a more important time to ensure you're properly covered. This guide walks you through everything you need to know about insurance in Clearfield, from auto requirements to homeowners considerations and military-specific options.
Auto Insurance: Understanding Utah's New 2025 Requirements
If you haven't reviewed your auto insurance policy since 2024, you need to know this: Utah increased its minimum liability limits on January 1, 2025. The new requirements are 30/65/25, which breaks down to $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage. This is up from the previous 25/65/15 minimums.
Here's the thing most people miss: those are minimums, not recommendations. With Clearfield's median home price at $428,000 and home values climbing 28% year-over-year, you've got significant assets to protect. If you cause an accident and the damages exceed your coverage limits, you're personally liable for the difference. That means your home, savings, and future earnings could be at risk. Most insurance professionals recommend carrying at least 100/300/100 coverage, and umbrella policies for additional protection.
Utah is also a no-fault state, which means you need Personal Injury Protection (PIP) coverage of at least $3,000. PIP covers your medical expenses regardless of who caused the accident. And here's something to take seriously: driving uninsured in Utah carries steep penalties. A first offense brings a minimum $400 fine, and a second offense within three years jumps to $1,000. Beyond the fines, you'll face license suspension and SR-22 filing requirements that can make insurance significantly more expensive for years.
Homeowners Insurance: Protecting Your Investment in a Growing Market
Clearfield's housing market is hot. Homes are selling in just 37 days—half the time they took a year ago—and prices have surged nearly 30%. If you bought your home even two years ago, there's a good chance you're underinsured. Most policies are based on your home's replacement cost, not its market value, but with construction costs rising alongside home prices, you need to ensure your coverage keeps pace with actual rebuilding costs.
Standard homeowners insurance in Utah covers your dwelling, personal property, liability, and additional living expenses if you need to temporarily relocate after a covered loss. But here's the critical gap everyone needs to understand: flooding and earthquakes aren't covered. At all. And flooding is Utah's most common natural disaster—more than 70% of recent flooding events occurred outside designated flood zones, meaning even if you're not near water, you're still at risk.
Clearfield experiences the full range of Utah's weather patterns—severe thunderstorms, rapid snowmelt in spring, and flash flooding. Just one inch of water can cause over $25,000 in damage. Flood insurance through the National Flood Insurance Program typically costs a few hundred dollars annually and requires a 30-day waiting period, so don't wait until storm forecasts start to buy coverage. Review your flood risk and seriously consider adding this protection.
Military Insurance Considerations for Hill AFB Families
Hill Air Force Base is the sixth-largest employer in Utah and houses the Ogden Air Logistics Complex, making it a cornerstone of Clearfield's economy and community. If you're active-duty military, a veteran, or a military family member, you likely qualify for USAA membership—and that's worth exploring. USAA consistently ranks among the top insurers for customer satisfaction and offers coverage specifically designed around military life.
Eligibility extends beyond just active-duty personnel. Veterans who served honorably, National Guard and Reserve members, ROTC participants, academy cadets, and family members (including spouses, children, and sometimes grandchildren if parents are members) can join. In 2025, USAA returned $3.7 billion to members—the largest member dividend in the company's 103-year history—which demonstrates the value of member-owned insurance.
Military families face unique insurance challenges during transfers and deployments. When you're stationed at Hill AFB, make sure your policy includes provisions for stored vehicles if you deploy, worldwide coverage if you travel, and seamless transitions when you PCS. Some insurers offer deployment discounts and special protections under the Servicemembers Civil Relief Act (SCRA). Don't just accept the first quote you receive—compare military-specific providers against standard carriers to find the best combination of coverage and price.
Renters Insurance: Essential Protection at an Affordable Price
With average rent in Clearfield hitting $1,490 per month, many residents—especially younger military families and civilian workers—choose to rent rather than buy. If you're renting, here's something critical to understand: your landlord's insurance covers the building, not your stuff. If there's a fire, theft, or water damage from a burst pipe, your belongings aren't protected unless you have renters insurance.
But renters insurance isn't really about replacing your couch and TV. The real value is liability coverage. If someone gets injured in your apartment—say a friend slips and breaks their arm—you could be liable for medical bills and potentially legal costs. Your renters policy covers that. Most policies run $15-30 per month for substantial coverage, making it one of the best insurance values available. Military renters should check if their provider offers deployment-related benefits or storage coverage.
Getting Started: Finding the Right Coverage for Your Situation
Insurance shopping doesn't have to be overwhelming. Start by gathering your current policies and making a list of what you own and what you need to protect. For auto insurance, get quotes from at least three carriers and compare not just price but coverage limits and deductibles. For homeowners, ensure your dwelling coverage reflects current replacement costs—not what you paid for the house—and ask specifically about flood and earthquake coverage options.
Look for bundle discounts. Most insurers offer significant savings when you combine auto, home, and umbrella policies. Military families should explore both military-specific insurers like USAA and Armed Forces Insurance alongside standard carriers. Don't assume military-focused companies are always cheapest—rates vary based on individual factors, and sometimes traditional insurers offer better deals.
Finally, review your coverage annually. Your life changes—you buy a new car, add a teen driver, finish a home renovation, or accumulate more valuable possessions. Your insurance should change with you. Set a calendar reminder each year to review your policies, and don't hesitate to shop around. Clearfield's growing community and diverse population mean you have options. Take advantage of them to find coverage that truly fits your needs and budget.
