Cheap Auto Insurance Quotes in Orem, UT (2021)

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After high placements on many “Best Places to Raise a Family” lists, Orem certainly has earned its nickname of “Family City USA.” And in a family-friendly town like Orem, you’ll want to make sure you and the spouse and kids are protected on the road. The first step? Finding a great car insurance policy.

But raising a family isn’t cheap—so you don’t want your car insurance payments to break your budget. That’s why comparing quotes from a wide variety of car insurance companies is so important before settling on a policy. Quote comparison gives you the lay of the land in the insurance marketplace so that you can zero in on an affordable, comprehensive policy.

Car Insurance in Orem, UT

The average cost of Utah car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Orem, UT to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$51
$93
$135
$157
$166
ProgressiveAllstateState FarmThe GeneralLiberty Mutual
Monthly $

Cheapest Car Insurance in Orem, UT

Here are the cheapest carriers in Orem for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Orem, 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 carrier reviews. The following are the top rated carriers that offer car insurance in Orem. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$128
$132
$119
$125
$132
$130
UtahSalt Lake CityProvoWest JordanSandyOrem
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Orem, UT Driving Facts

utah

 

Minimum Car Insurance Requirements in UT

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Utah are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Utah state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Utah law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Utah is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $3,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $3,000 is required for minimum coverage in Utah

Orem Car Insurance Rates by Driver Age

Except for extremely young drivers, the auto insurance rates in Orem are extremely competitive with other cities across the nation. The average premium for teenagers runs about $337.22, while the averages for each remaining age group are below $200. The disparity between the teens group and all others stems from the higher risk factors applied to teen drivers. The lowest average rate is for those in their 50s and is around $115.32.

Driving History
No Violation$162
Speeding Ticket$212
At-Fault Accident$217
Failure to Stop for Red Light / Stop Sign$295

Orem Car Insurance Rates by Driving and Accident History

As drivers gain more experience behind the wheel, it is important for them to avoid any types of violations or accidents on the road. In Orem specifically, a motorist who doesn’t have a history of accidents or any violations will pay the lowest rate, at $161.10. For drivers who have a violation on their record, the most impactful one is a failure to stop, which can boost averages up to $294.52. Other violations like speeding and at-fault accidents can also negatively impact the average premium.

Orem Car Insurance Rates by Credit Tier

While some cities offer discounts on their premiums for credit score and ratings, Orem doesn’t. Collectively, drivers in Orem with an excellent rating should expect to pay on average $163.94. Even though there isn’t a large discrepancy between average premium rates for different scores, it is important to note a poor rating can lead you to a higher rate. Their average premium falls around $178.46 for coverage. However, the $12 gap between averages proves that there are other factors that impact price in Orem even more.

Orem, UT DMV Information

The Orem DL Field Office is located at 759 N 1370 W St. and offers driver’s licensing and renewals, ID card registration, road tests, and more. The office is open from 7 a.m. to 6 p.m. Monday through Thursday. To make an appointment ahead of time, call 1 (801) 234-8260.

Public Transportation in Orem, UT

In Orem, there’s no shortage of public transit options. For train service, the Utah Transit Authority’s Frontrunner train passes through Orem Station, running from Salt Lake City to Provo. For rapid transit by bus, the Utah Valley Express runs throughout town and can also quickly get riders to nearby Provo.

Conclusion: How to get the best and cheapest car insurance in Orem, UT

Whether you’re packing up the minivan for a day trip or dropping off the kids at soccer practice, a car is the way Orem residents engage with the city’s many family-friendly activities. As you hit the road in Orem, protect you, your family, and your car with car insurance that meets your needs.

Before buying a policy, compare quotes with Insurify. With Insurify, you simply need to enter some information about your vehicle and driver history, and Insurify will connect you with 10+ free car insurance quotes. Then, it’s time to hit the road with affordable car insurance.

Find local Orem agents

Astwood Insurance LLC 
287 East 950 South, Orem, UT 84058
Insurance of America LLC 
347 East 1200 South, Orem, UT 84058
Jed Miner & Associates 
1524 E 1110 No, Orem, UT 84097
Action Commercial Insurance Agency 
891 south Orem Blvd , Orem, UT 84058
Atkinson-Leavitt Insurance 
1443 West 800 North suite 101, Orem, UT 84059
Agents United LLC 
615 S State St, Orem, UT 84058-6305
Advance Insurance
248 State St, Orem, UT 84058
Lender Insurance
382 Center St, Orem, UT 84057
Neal Dastrup Insurance
825 E 800 N, Orem, UT 84097
UTAH HOME AND AUTO
998 N 1200 W St, Orem, UT 84057

Insurify Insights: How Orem Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Orem, UT
suspended licenses
#20
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Orem drivers measure up to their fellow Utah motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Orem

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Orem drivers rank 4 in the number of car accidents per driver across all cities in Utah.

  • Rank within state: #4
  • Percent of drivers in Orem with an accident: 13.79%
  • Drivers in Orem, UT with an accident in their driving history paid on average 29.53% more than drivers with a clean record

Speeding Orem

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Orem drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Orem with a speeding ticket: 14.57%
  • Drivers in Orem, UT with a speeding ticket in their driving history paid on average 32.21% more than drivers with a clean record

DUI/DWIs Orem

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Orem drivers rank 2 in the number of DUI’s per driver across all cities in Utah.

  • Rank within state: #2
  • Percent of drivers in Orem with a DUI: 3.56%
  • Drivers in Orem, UT with a DUI in their driving history paid on average 18.12% more than drivers with a clean record

Most Popular Vehicle Orem

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Orem is the Toyota Camry.

Rude Orem

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Utah, Orem drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Orem with a reckless driving violation: 2.67%
  • Drivers in Orem, UT with a reckless driving violation in their driving history paid on average 34.23% more than drivers with a clean record.

Safest Drivers Orem

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Orem drivers rank 10 in clean driving records across all cities in Utah.

  • Rank within state: #10
  • Percent of drivers in Orem with clean record: 73.86%

Failure to Yield the Right of Way Orem

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Orem drivers rank 5 in failure to yield violations per driver across all cities in Utah.

  • Rank within state: #5
  • Percent of drivers in Orem with a failure to yield violation: 0.89%
  • Drivers in Orem, UT with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Orem

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Utah, Orem drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank within state: #9
  • Percent of drivers in Orem with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Orem

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Orem drivers rank 7 in hybrid and electric vehicle ownership across all cities in Utah.

  • Rank within state: #7
  • Percent of drivers in Orem with a hybrid/electric vehicle: 1.34%

FAQs - Orem, UT Car Insurance

How does where I live affect my car insurance rates?

Plenty of factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in that ZIP code and set your insurance rates accordingly.

Will my credit score affect my car insurance rates in Orem?

Utah car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.

Who offers the cheapest car insurance in my area?

Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.