Cheapest Auto Insurance in Orem, Utah (2024)

USAA offers the cheapest car insurance in Orem, with rates starting at $71 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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 July 14, 2024

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Cheapest recent rates near Orem, Utah

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $95/mo for full coverage in Orem and other Utah cities.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $116 per month for a liability policy and $210 for full coverage compared to the state averages of $105 for liability coverage and $196 for full coverage.

Fortunately, it’s possible to pay lower rates depending on the choices you make. Here’s how.

Quick Facts
  • USAA, Safeco, and Sun Coast are the cheapest car insurance companies in Orem.

  • A full-coverage car insurance policy costs Orem drivers an average of $2,521 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 CompanyIQ 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 CoverageLiability OnlyBest For
Clearcover6.8$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_UT_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_UT_PRICE}Rideshare drivers
USAA9.4$96$65Military members
Travelers9.0$${AUTO_CARRIER_TRAVELERS_FULL_STATE_UT_PRICE}N/AYoung drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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

Compare personalized, real-time quotes
User Reviews
3.1
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.
$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.
$144/mo

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.

Pros
  • Robust mobile app

  • Discount available for military members

Cons
  • No bundling discounts

  • No usage-based insurance program

Read more driver reviews of Clearcover
Nikkolaus - July 10, 2024
Verified

Prices Skyrocketing

ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!

Miche - July 1, 2024
Verified

Not Valued as a Loyal Customer

The price was good, but they do not value loyal customers.

Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$71/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.
$104/mo

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.

Pros
  • Usage-based car insurance program available

  • Multiple discounts advertised

Cons
  • Must be affiliated with the military to become a member

  • No gap insurance

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for young drivers: Travelers

Compare personalized, real-time quotes
User Reviews
3.5
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.
$90/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.
$196/mo

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.

Pros
  • Large insurer with demonstrated longevity

  • Variety of coverage options

Cons
  • Rideshare insurance not available in Utah

  • Below-average J.D. Power customer satisfaction rating in the Southwest region

Read more driver reviews of Travelers
Linda - July 10, 2024
Verified

Final

Dealing with the computer-generated documents is trouble for me.

Janet - July 9, 2024
Verified

Fair

They increased my insurance after 6 months, even though I had no tickets or accidents.

Kim - July 9, 2024
Verified

Nickel and Dimed

Travelers was awful. They offer discounts, but only if you go paperless and there are little caveats that my agent never informed me about. Also, they increased my rates significantly without notice.

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.

Find Cheap Car Insurance in Orem, Utah

Liability rates start at $71 per month

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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 $116 per month, and you can see the average quotes offered by area insurers in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$71
Safeco$83
Sun Coast$85
Auto-Owners$86
Midvale Home & Auto$87
State Farm$95
National General$97
Progressive$100
Dairyland$101
GEICO$101
Root$108
Liberty Mutual$110
American Family$120
GAINSCO$125
Allstate$128
Nationwide$141
The General$146
Farmers$166
Bristol West$171
State Auto$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $210.

Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Orem.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$104
Safeco$126
Auto-Owners$127
State Farm$138
Midvale Home & Auto$142
Progressive$148
GEICO$149
Root$149
Sun Coast$154
National General$171
American Family$176
Liberty Mutual$181
Allstate$190
Nationwide$208
Dairyland$229
The General$237
Farmers$246
State Auto$269
GAINSCO$274
Bristol West$317
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Orem, Utah

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $95/mo for full coverage in Orem and other Utah cities.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage kicks in to cover vehicle damage from fires, theft, vandalism, and other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage can reimburse you and your passengers for medical bills and funeral expenses after a car accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$71$91$93$116
Safeco$83$108$106$136
Sun Coast$85$119$117$134
Auto-Owners$86$111$113$140
Midvale Home & Auto$87$116$121$142
State Farm$95$121$124$155
National General$97$124$128$158
Progressive$100$129$134$163
Dairyland$101$130$132$165
GEICO$101$130$133$165
Root$108$148$151$176
Liberty Mutual$110$155$158$180
American Family$120$154$157$196
GAINSCO$125$176$158$204
Allstate$128$164$168$209
Nationwide$141$183$187$230
The General$146$190$195$238
Farmers$166$212$217$271
Bristol West$171$219$222$279
State Auto$220$307$317$359
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

AgeAverage Monthly Quote
Teens$296
20s$367
30s$342
40s$290
50s$217
60s$152
70s$114
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Orem, UT

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $163 per month. The average monthly rates for liability and full coverage are $116 and $210.

  • Who has the cheapest car insurance in Orem?

    USAA offers the cheapest car insurance in Orem, at $71 per month. Safeco and Sun Coast also offer low rates in the area, with monthly rates of $83 and $85, 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Utah Department of Public Safety. "Utah Crash Summary Crash Statistics."
  2. United States Census Bureau. "Orem, Utah."
  3. Utah State Legislature. "Utah Insurance Code."
Anna Baluch
Anna BaluchInsurance Writer

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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