120+ more*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
In Orem, Utah, drivers pay an average monthly rate of $96 for liability-only coverage and $150 for full-coverage car insurance. Orem drivers may be able to find cheaper insurance rates than drivers in the more densely populated Salt Lake City, though rates are slightly higher than in smaller Cedar City.
The heavily trafficked I-15, considered one of Utah County’s most dangerous highways, runs north-south through Orem. It may contribute to the city’s higher average insurance costs compared to average insurance rates in Utah.
USAA has the lowest average minimum liability car insurance rates in Orem. USAA is the cheapest company for full-coverage car insurance. Orem’s average liability and full-coverage rates are in line with the state average.
Utah’s car insurance requirements increased in 2025, and all drivers must carry at least $30,000 per person and $65,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage.[1]
Orem has a high mule deer population, increasing the likelihood of deer-vehicle accidents. Comprehensive coverage, included with full coverage, protects your vehicle against animal strikes.
The following table shows the cheapest liability-only and full-coverage car insurance quotes in Orem.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $50 | $78 |
| Auto-Owners | $63 | $95 |
| National General | $67 | $146 |
| State Farm | $68 | $105 |
| GEICO | $73 | $111 |
| Progressive | $73 | $145 |
| The General | $79 | $159 |
| Sun Coast | $80 | $111 |
| American Family | $86 | $132 |
| Allstate | $93 | $142 |
| Root | $94 | $133 |
| Clearcover | $97 | $145 |
| Freedom National | $98 | $174 |
| Direct Auto | $100 | $155 |
| Nationwide | $101 | $156 |
| Safeco | $107 | $131 |
| Bristol West | $110 | $184 |
| Dairyland | $110 | $205 |
| GAINSCO | $116 | $200 |
| Farmers | $120 | $184 |
| Liberty Mutual | $154 | $169 |
| State Auto | $158 | $242 |
West Valley City has some of the highest insurance rates in Utah, while Cedar City’s are among the lowest. Orem’s rates fall roughly in the middle — higher than in rural areas but lower than in most major metro areas.
Orem also serves as a busy commercial hub along the Interstate 15 corridor, and the highway’s 12 lanes contribute to increased accident risk.
The following table shows average monthly quotes in several Utah cities.
City | Average Monthly Quote |
|---|---|
| Midvale | $130 |
| Ogden | $118 |
| Orem | $123 |
| Provo | $123 |
| Salt Lake City | $128 |
When driving in Orem, keep the following risks in mind:
Potential for winter weather: On average, Orem gets between 35 and 40 inches of snow annually. During large storms, the city plows high-priority streets first and may not clear residential streets immediately.
Sudden weather changes: Orem is southeast of the Great Salt Lake, which means it experiences sudden, unexpected weather changes, including short-lived heavy snowfall. It’s important to check the Utah Department of Transportation (UDOT) website for real-time traffic and road-closure updates.
Flooding risk: Orem’s location near Utah Lake and the surrounding Wasatch Mountains increases its flood risk, especially during spring runoff or intense rainstorms. During heavy rainfall, avoid underpasses or roads near Utah Lake where water levels can rise quickly.
Occasional heavy traffic: Areas around Utah Valley University and the UCCU Center can experience traffic spikes before and after games or events.
Check quotes from 120+ top insurance companies
In Orem, 5.85% of drivers have a speeding ticket, 6.24% have an at-fault accident, and 1.02% have a driving under the influence (DUI) conviction, according to Insurify data. Orem has a higher accident rate relative to other Utah cities, surpassed only by Draper and Lehi.
Utah is a no-fault state, which means your own insurance helps pay for your medical expenses after a car accident, regardless of fault. All drivers must carry at least $3,000 in personal injury protection (PIP) coverage.[2]
The chart below shows average monthly quotes in Orem by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $123 |
| Speeding ticket | $149 |
| At-fault accident | $169 |
| DUI | $148 |
Provo-Orem is the youngest metro in the country, with a median age of 27 in 2024. Universities and a large concentration of young families drive this younger population. In comparison, seniors aged 65 and older make up only 10% of Orem’s population.
In Utah, teen drivers account for just 9% of all licensed drivers but 21% of all crashes, according to the Utah Department of Public Safety.[3]
The following data shows the average monthly quotes for Orem drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $202 |
| 20s | $132 |
| 30s | $108 |
| 40s | $105 |
| 50s | $94 |
| 60s | $86 |
| 70+ | $98 |
*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
See answers below to frequently asked questions about car insurance in Orem.
USAA has the cheapest average rates in Utah, with monthly premiums around $50. You may be able to find cheaper rates by asking about discounts or bundling your auto insurance coverage with your homeowners or renters insurance.
The minimum car insurance requirements in Utah increased in 2025. All drivers must have at least $30,000 per person and $65,000 per accident in personal injury liability coverage, and $25,000 in property damage liability coverage.
The average cost of a car insurance policy in Orem is $123 per month. But your exact rate depends on factors like your driving history, the car you drive, and any additional coverage you choose.
You can find the best rates by shopping around and comparing coverage options. Reviewing the types of coverage you have, raising your deductibles, and checking with an insurance agency about your coverage options can ensure you have the right coverage for your needs.
Driving in Utah without car insurance is a Class B misdemeanor. The state will fine you at least $400 for the first offense and $1,000 for a second offense within three years.[4] You may also need to file an SR-22, proving you have an active insurance policy.
You can find the most affordable car insurance in Orem by bundling your auto and home insurance and comparing free quotes. An insurance agent can help you find the best car insurance for your needs.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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