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Cheap Auto Insurance Quotes in Orem, UT (July 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Orem is $160 per month, or $1920 annually.
  • Car insurance in Orem is $13 less than the average cost of car insurance in Utah.
  • The cheapest car insurance provider in Orem on average is Sun Coast, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$51
Allstate
$93
State Farm
$135
The General
$157
Liberty Mutual
$166

Cheapest Car Insurance in Orem, UT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in OremQuotes
Progressive$51 /mo
Allstate$93 /mo
State Farm$135 /mo
The General$157 /mo
Liberty Mutual$166 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Orem. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$99 /mo
American Family89$177 /mo
Liberty Mutual82$189 /mo
Travelers80$92 /mo

Average Car Insurance Cost

Utah Cities
Salt Lake City$132/mo
Provo$119/mo
West Jordan$125/mo
Sandy$132/mo
Orem$130/mo
Utah$128/mo
Provo
$119
West Jordan
$125
Average for UT
$128
Orem
$130
Salt Lake City
$132
Sandy
$132
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Utah

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 be available when:

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

The minimum liability insurance requirements for private passenger vehicles in Utah[1] are:

  • $25,000 per person for bodily injury
  • $65,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Utah is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $3,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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.

Driver's AgeAvg. Monthly Cost
teens$338
20s$175
30s$161
40s$179
50s$116
60s$126
70s$120
80sN/A

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$164
Good$176
Average$158
Poor$179

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
View 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.

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.

FAQs - Orem, UT Car Insurance

  • 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.
  • 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.
  • 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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Orem Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Orem, Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Orem drivers measure up to their fellow motorists across Utah in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Orem

#5

City with the Most Speeding Tickets Rank in Utah

#11

City with the Most Moving Violations Rank in Utah

#1

City with the Most DUIs Rank in Utah

#24

City with the Most Suspended Licenses in Utah

  • 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 pay on average 29.53% more than drivers with a clean record
  • 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 pay on average 32.21% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Orem drivers rank 1 in the number of DUI’s per driver across all cities in Utah.

    • Rank within state: #1
    • Percent of drivers in Orem with a DUI: 3.4%
    • Drivers in Orem, UT with a DUI in their driving history pay on average 18.12% more than drivers with a clean record
  • 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.

  • 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 pay on average 34.23% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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: 0%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Utah Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022