4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated November 20, 2024
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Table of contents
Situated in the northern part of Utah, Orem is known as “Family City USA” because of the many married couples and young residents who live there. However, due to its large population and higher car accident rates, Orem drivers face higher car insurance rates than the Utah state average.[1]
On average, drivers in Orem pay $117 per month for a liability policy and $186 for full coverage compared to the state averages of $108 for liability coverage and $183 for full coverage.
Fortunately, it’s possible to pay lower rates depending on the choices you make. Here’s how.
USAA, Root, and Auto-Owners are the cheapest car insurance companies in Orem.
A full-coverage car insurance policy costs Orem drivers an average of $2,227 per year.
Utah partners with Insure-Rite, an auto liability insurance verification company, to help reduce the number of uninsured drivers in the state.
3 of the cheapest car insurance companies in Orem
To find the best deal on an auto policy in Orem, you should compare quotes from multiple insurance companies. As you do so, keep Clearcover, USAA, and Travelers in mind. They continually offer some of the lowest rates in Utah, and one of them may be the right insurer for you.
Here, you can learn a little more about each.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Clearcover | 6.8 | $undefined | $undefined | Rideshare drivers |
USAA | 9.4 | $95 | $63 | Military members |
Travelers | 9.0 | $undefined | N/A | Young drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for rideshare drivers: Clearcover
User Reviews | 3.3 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $183/mo |
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Catherine
October 22, 2024
Great Customer Service
Brett
October 12, 2024
Unexpected Rate Increases
Richard
October 7, 2024
T.B.
Rideshare companies like Lyft and Uber serve residents in Orem. If you’re a rideshare driver, you can secure rideshare insurance, in addition to a traditional car insurance policy, through Clearcover. Clearcover is also an app-based car insurance company, which can make it especially appealing to rideshare drivers who are always on the go.
Robust mobile app
Discount available for military members
No bundling discounts
No usage-based insurance program
Best insurer for military members: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
More than 2,301 veterans call Orem home, according to a 2017–2021 U.S. Census Bureau estimate.[2] If you’re a military member or veteran in the area, you may be able to secure cheap car insurance rates with USAA. The company focuses on serving the military community with auto insurance and other products, like home insurance, renters insurance, and life insurance.
Usage-based car insurance program available
Multiple discounts advertised
Must be affiliated with the military to become a member
No gap insurance
Best insurer for young drivers: Travelers
User Reviews | 4.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
Due to schools like Orem High School and Utah Valley University, Orem has many students and young drivers. Travelers offers a variety of discounts for teen drivers and students, including a good student discount, student away at school discount, and a driver training discount.
Large insurer with demonstrated longevity
Variety of coverage options
Rideshare insurance not available in Utah
Below-average J.D. Power customer satisfaction rating in the Southwest region
How to get the cheapest car insurance in Orem
Several car insurance companies offer auto insurance policies to Orem residents. To help you secure the lowest rates possible, follow these tips:
Shop around. It’s a good idea to consult an insurance agent or use a quote-comparison tool to get quotes from at least three different car insurance companies. Then, choose the insurer with the lowest premiums and the right coverage for your unique situation.
Look for discounts. Many car insurance companies offer a variety of discounts to customers, including military, multi-policy, and loyalty discounts. Take advantage of every discount you qualify for, and don’t be afraid to ask which ones apply to you.
Bundle policies. If you purchase your car insurance from the same company as your condo insurance, home insurance, renters insurance, health insurance, or life insurance, you may be able to secure cheaper auto coverage.
Drive safely. Speeding, at-fault accidents, and DUIs are all examples of traffic incidents that can increase your car insurance costs. To enjoy low rates, commit to safe driving habits.
Cheapest liability-only car insurance in Orem: USAA
You must invest in liability-only car insurance to drive legally in the state of Utah. This coverage pays for others’ property damage and injuries from an accident you cause.
The average rate for liability insurance in Orem is $117 per month, and you can see the average quotes offered by area insurers in the table below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $66 |
Root | $79 |
Auto-Owners | $80 |
Sun Coast | $82 |
State Farm | $87 |
Progressive | $94 |
GEICO | $94 |
National General | $94 |
Safeco | $101 |
Dairyland | $108 |
American Family | $111 |
Allstate | $120 |
GAINSCO | $128 |
The General | $131 |
Nationwide | $131 |
Bristol West | $146 |
Farmers | $155 |
Liberty Mutual | $185 |
State Auto | $204 |
Cheapest full-coverage car insurance in Orem: USAA
Full-coverage car insurance usually includes minimum liability coverage, collision coverage, and comprehensive coverage. In Utah, this also includes personal injury protection. These coverages combine to cover other parties, as well as your vehicle and injuries in an accident you cause.
Full coverage offers extra protection and may be mandatory if you finance or lease your vehicle. The average monthly rate for full-coverage insurance in Orem is $186.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Orem.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $99 |
Root | $115 |
Auto-Owners | $121 |
Safeco | $130 |
State Farm | $132 |
Progressive | $141 |
GEICO | $142 |
Sun Coast | $143 |
National General | $158 |
American Family | $168 |
Allstate | $180 |
Nationwide | $198 |
The General | $208 |
Liberty Mutual | $223 |
Farmers | $233 |
Dairyland | $234 |
GAINSCO | $268 |
Bristol West | $269 |
State Auto | $306 |
Cheapest recent rates near Orem, Utah
Recent Orem, Utah car insurance prices for Volkswagen, Hyundai, Toyota , and more.
*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Utah
Utah requires liability-only car insurance and proof of coverage, at the very least. It’s also a no-fault state, meaning injured drivers can collect compensation through their own personal injury protection (PIP) for injuries, regardless of fault.
Below are the minimum limits you’ll need to carry to be a legal driver in Orem:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $65,000 per accident |
Property damage liability | $15,000 per accident |
Personal injury protection | $3,000 per person |
While the coverage amounts above meet Utah’s minimum requirements, you may want to upgrade your coverage with any of the following options:
Collision coverage
Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or object, no matter who’s responsible for it.
Comprehensive coverage
Comprehensive coverage kicks in to cover vehicle damage from fires, theft, vandalism, and other non-collision events.
Medical payments coverage
Medical payments coverage can reimburse you and your passengers for medical bills and funeral expenses after a car accident.
Roadside assistance coverage
Roadside assistance coverage offers fuel delivery, towing, tire changes, and other related services to cover emergency situations on the road.
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) can lead insurers to consider you a high-risk driver and result in higher car insurance rates. For this reason, Orem drivers with clean records usually pay cheaper premiums.
If you do have a poor driving record, you can still find an affordable auto policy. This table shows how driving incidents can affect your car insurance costs in Orem.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
USAA | $66 | $85 | $88 | $107 |
Root | $79 | $110 | $112 | $114 |
Auto-Owners | $80 | $105 | $107 | $129 |
Sun Coast | $82 | $115 | $113 | $130 |
State Farm | $87 | $112 | $115 | $141 |
Progressive | $94 | $121 | $126 | $152 |
GEICO | $94 | $122 | $125 | $152 |
National General | $94 | $122 | $125 | $152 |
Safeco | $101 | $133 | $133 | $151 |
Dairyland | $108 | $140 | $142 | $174 |
American Family | $111 | $144 | $148 | $179 |
Allstate | $120 | $155 | $159 | $194 |
GAINSCO | $128 | $179 | $163 | $207 |
The General | $131 | $173 | $177 | $212 |
Nationwide | $131 | $171 | $175 | $212 |
Bristol West | $146 | $190 | $194 | $236 |
Farmers | $155 | $200 | $205 | $250 |
Liberty Mutual | $185 | $258 | $262 | $299 |
State Auto | $204 | $285 | $295 | $330 |
Average cost of car insurance by age
Teens, young adults, and senior drivers typically pay the highest car insurance premiums. This is due to the general inexperience of younger drivers and the reduced faculties that can appear in drivers older than 70.
Here’s a look at the average car insurance quotes you can expect to see in Orem based on your age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $296 |
20s | $367 |
30s | $342 |
40s | $290 |
50s | $217 |
60s | $152 |
70s | $114 |
Orem car insurance quotes by credit tier
Like most states, Utah permits car insurance companies to consider your credit history when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them lower rates.
An Orem driver with excellent credit will pay an average of $128 per month, while someone with poor credit may have to settle for an average rate of $251 per month.
Rates by Credit Tier
Orem car insurance FAQs
Looking for more information to help you find the best rates in Orem? Consult the answers below.
How much is car insurance in Orem?
The average rate for car insurance in Orem is $151 per month. The average monthly rates for liability and full coverage are $117 and $186.
Who has the cheapest car insurance in Orem?
USAA offers the cheapest car insurance in Orem, at $66 per month. Root and Auto-Owners also offer low rates in the area, with monthly rates of $79 and $80, respectively.
What are the best car insurance companies in Orem?
Clearcover, USAA, and Travelers are three of the top insurers in Orem. Each is known for its customer service, financial stability, low rates, and number of discounts offered. Remember that the best way to find the ideal policy for you is to compare quotes from multiple insurers using a price-comparison platform.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Utah
Sources
- Utah Department of Public Safety. "Utah Crash Summary Crash Statistics."
- United States Census Bureau. "Orem, Utah."
- Utah State Legislature. "Utah Insurance Code."
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in