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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 $112 per month for a liability policy and $182 for full coverage compared to the state averages of $97 for liability coverage and $177 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 $2,189 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.1
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$88/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.
$147/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
Larry - February 9, 2024
Verified
Excellent
No problems.
Oladiran - February 4, 2024
Verified
Poor
They are not friendly to the customer. They refused to renew despite me not having any claims.
Oladiran - February 4, 2024
Verified
Poor
They are not friendly to the customer. They refused to renew despite me not having any claims.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$69/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.
$106/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, likehome 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
Roy - March 21, 2024
Verified
My Review
USAA is the best.
Gary - March 18, 2024
Verified
Poor
Too darn high.
Gabrielle - March 16, 2024
Verified
Just Don't! Save Yourself!
Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
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.
$146/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
Jeffrey - March 23, 2024
Verified
Excellent
Fast.
Lisa - March 14, 2024
Verified
Long-term customer with minor rate reduction
The premium is too much for what I need.
Abbas Ali - March 12, 2024
Verified
Hiding the Facts
They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
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 $69 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 $112 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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
69
Safeco
71
Sun Coast
80
Auto-Owners
84
Midvale Home & Auto
87
State Farm
92
Progressive
97
GEICO
98
National General
98
Dairyland
99
Liberty Mutual
103
GAINSCO
115
American Family
116
Allstate
125
Nationwide
137
The General
142
Bristol West
162
Farmers
162
State Auto
214
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 $182.
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
106
Safeco
121
Auto-Owners
129
Midvale Home & Auto
142
State Farm
142
Sun Coast
145
Travelers
146
Progressive
150
GEICO
152
Liberty Mutual
169
American Family
180
National General
188
Allstate
194
Nationwide
212
Dairyland
220
The General
228
GAINSCO
241
Farmers
250
State Auto
258
Bristol West
291
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.
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 coverageoffers fuel delivery, towing, tire changes, and other related services to cover emergency situations on the road.
Cheapest car insurance for drivers with an incident
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
USAA
69
88
91
109
Safeco
71
100
103
112
Auto-Owners
84
111
112
133
State Farm
92
116
120
145
Progressive
97
130
134
153
GEICO
98
126
130
155
National General
98
126
132
155
Dairyland
99
131
134
157
Liberty Mutual
103
142
146
163
GAINSCO
115
144
149
182
American Family
116
151
154
183
Allstate
125
160
165
198
Nationwide
137
178
182
217
The General
142
188
194
225
Bristol West
162
212
214
256
Farmers
162
208
214
256
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.
Age
Average 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 $147 per month. The average monthly rates for liability and full coverage are $112 and $182.
Who has the cheapest car insurance in Orem?
USAA offers the cheapest car insurance in Orem, at $69 per month. Safeco and Sun Coast also offer low rates in the area, with monthly rates of $71 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
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.
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.
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.