Click here for our full-length guide to Utah car insurance quotes, discounts, and state requirements.

Utah is utterly massive. With nearly 100,000 miles of roadway through both arid desert and snow-capped mountains, the Beehive State has something for everyone. Car travel is the main mode of transportation for over 117,000 Provo residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Provo. Compare and save on the best and cheapest car insurance quotes in Utah here.

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Cheapest Car Insurance Quotes in Provo, UT

Here are the cheapest insurance companies in Provo, based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
Progressive$39/month
Allstate$91/month
State Farm$126/month
The General$167/month
American Family $174/month

USAA often offers the lowest car insurance rates to Utah drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Provo, UT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Provo. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuote
American Family88$174/month
Allstate86$91/month
State Farm83$126/month
Progressive78$39/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Provo has slightly lower monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Provo Average Premium Utah Average Premium National Average Premium
$119/month $127/month

$131/month

Provo Auto Insurance Requirements 

Before operating on Utah roadways, Utah drivers must ensure their motor holds sufficient liability insuranceLiability coverage is a safety necessity.

In Utah, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Provo auto insurance rates.

Read more about Utah car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Provo DMV Information 

There is one major DMV outpost in the city of Provo, located on East Center Street. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 8 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal. 

Public Transit in Provo

Home to a major university and with close proximity to Salt Lake City, Provo has many public transportation options for residents and visitors. The new UVX bus rapid transit line provides a fast and reliable free bus service between Provo and Orem. The RYDE shuttle and FrontRunner commuter rail also offer services between Brigham Young University and the city center, along with surrounding suburbs. Provo also has rentable e-scooters and bicycles via their app. Keep in mind, electric scooters are forbidden from the BYU campus. Ridesharing services like Uber, Lyft, and traditional taxis operate across Provo.

Provo Auto Insurance FAQs 

What does no-fault insurance mean?

One of just a handful of states, Utah abides by a no-fault auto insurance system. These laws mandate that every driver carry their own protection. After an accident, each driver’s own insurance policy covers damages, regardless of fault. The logic of a no-fault state like Utah is that it will decrease litigation over culpability following an accident. 

What is the penalty for driving uninsured in Utah?

Driving uninsured puts yourself and cars around you in great danger—never drive uninsured. If you’re caught driving uninsured in Utah, you face a Class B misdemeanor, which could put you in jail for up to six months and cost you thousands in fines, and reinstatement fees. For additional offenses, punishments worsen.

Who has the cheapest car insurance in Utah?

The best way to get the cheapest car insurance in Utah and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Conclusion: How to get the best and cheapest car insurance in Provo

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 8.2 percent of vehicles driving uninsured throughout Utah, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated January 29, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.