13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
Drivers in Provo, Utah, pay an overall average of $162 per month for car insurance. While that may seem expensive, it’s similar to the overall national average of $154 per month.
While Utah has plenty of snow in the winter, drivers don’t have to worry about major natural disasters like hurricanes, wildfires, or flooding. The state’s relatively mild weather and Provo’s comparatively small population may contribute to its cheaper average car insurance rates.
Here’s what you need to know about finding cheap car insurance in Provo, comparing rates, and determining how much coverage you need.
The average cost of car insurance in Provo, Utah, is $118 per month for liability insurance and $207 per month for full coverage.
USAA, Root, and Auto-Owners are the cheapest car insurance companies in Provo.
On average, Provo drivers with poor credit pay $100 more per month for coverage than drivers with good credit.
3 of the cheapest car insurance companies in Provo
Finding a deal is always nice, but when it comes to choosing the right auto insurance company for your needs, you should balance coverage types, features, financial stability ratings, and price. To help you start your search, here are some of the best and cheapest car insurance companies in Provo.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Clearcover | 6.8 | $undefined | $undefined | Cheap rates |
USAA | 9.4 | $95 | $63 | Military members and families |
Travelers | 9.0 | $undefined | N/A | Bundling |
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 cheap rates: Clearcover
User Reviews | 3.3 |
---|---|
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. | $102/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. | $183/mo |
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Catherine
October 22, 2024
Great Customer Service
Brett
October 12, 2024
Unexpected Rate Increases
Richard
October 7, 2024
T.B.
Clearcover is one of the cheapest car insurance companies in Provo and a digital-first insurer. It offers filing claims, policy renewal, payment, and more in its highly rated mobile app. Plus, it offers rideshare and alternative transportation insurance for drivers to get the right coverage for their needs.
Comparatively affordable rates in Provo
Easy-to-use mobile app for account management
No bundling options
Limited over-the-phone support
Best insurer for military members and families: USAA
User Reviews | 4.9 |
---|---|
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. | $70/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 |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
USAA specifically caters to military members, veterans, and their families by providing competitive rates and customized policies. It also offers discounts for people who store their vehicles on a military base during deployment.
AM Best financial strength rating of A++ (Superior)
Specialized discounts
Gap insurance not available
Restrictive membership requirements
Best insurer for bundling: Travelers
User Reviews | 4.7 |
---|---|
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. | 9.0 /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. | $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. | $191/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
Almost 30% of housing units in Provo are owner-occupied. Bundling car and home insurance policies is a great way for Provo homeowners to save on insurance coverage. You can bundle renters insurance as well, so students at nearby Brigham Young University won’t miss out on potential savings.
Variety of discounts
Roadside assistance available
Below-average J.D. Power customer satisfaction rating in Southwest region
Rideshare coverage not available
How to get the cheapest car insurance in Provo
Although insurance companies consider several factors outside your control when setting rates, you have a few ways to lower the cost of your insurance. Consider these tips for getting the cheapest car insurance in Provo:
Shop around. Get quotes from at least three insurance companies and compare them to see which one can offer you the best rates for the coverage you need.
Bundle policies. Many insurance companies offer discounts for people who buy more than one policy from them. Consider insuring your car, home, apartment, and more with one company for extra savings.
Take advantage of discounts. Ask your insurance agent about discounts for safe driving, good student status, or anti-theft devices. The more discounts you qualify for, the more money you can save.
Improve your credit score. Many insurance companies consider your credit score when setting rates. Improve your score by using less than 30% of your available credit and paying bills on time.
Cheapest liability-only car insurance in Provo: USAA
Liability car insurance covers damage and injuries you cause to others in an accident. It includes property damage and medical expenses for others but doesn’t cover your own car’s damage or your medical bills. This type of insurance typically meets the legal requirements but might leave you responsible for your vehicle repairs or medical costs after an accident.
Drivers who want to save on liability-only insurance can start their search with USAA, which offers the cheapest liability-only policies in Provo, starting at $70 per month.
The table below shows more cheap liability car insurance companies in Provo.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $70 |
Root | $85 |
Auto-Owners | $86 |
Sun Coast | $88 |
State Farm | $94 |
GEICO | $101 |
National General | $101 |
Progressive | $101 |
Safeco | $108 |
Dairyland | $116 |
American Family | $120 |
Allstate | $128 |
GAINSCO | $137 |
Nationwide | $141 |
The General | $141 |
Bristol West | $156 |
Farmers | $166 |
Liberty Mutual | $199 |
State Auto | $219 |
Cheapest full-coverage car insurance in Provo: USAA
Liability-only insurance covers damage you cause to others, while full coverage includes liability plus coverage for your own car damage and medical expenses. Drivers with newer or more valuable cars could benefit the most from this coverage, as it offers protection against theft, at-fault accidents, and natural disasters.
If you finance or lease your vehicle, your lender or leasing company will require you to purchase full-coverage car insurance.
USAA is the cheapest full-coverage car insurance company in Provo, with rates starting at $106 per month.
Here are other cheap full-coverage auto insurers in Provo.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $106 |
Root | $123 |
Auto-Owners | $130 |
Safeco | $140 |
State Farm | $142 |
Progressive | $151 |
GEICO | $152 |
Sun Coast | $153 |
National General | $170 |
American Family | $180 |
Allstate | $193 |
Nationwide | $212 |
The General | $223 |
Liberty Mutual | $239 |
Farmers | $250 |
Dairyland | $251 |
GAINSCO | $287 |
Bristol West | $288 |
State Auto | $328 |
Cheapest recent rates near Provo, Utah
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $89/mo for full coverage in Provo and other Utah cities.
*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Utah
Like most states, Utah requires drivers to have at least a minimum amount of liability car insurance to legally drive. You should carry proof of insurance when driving so you can present it upon request. If you don’t have adequate coverage, you risk fines, and license and registration suspension.
Here are Utah’s minimum liability requirements:[1] [2]
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 accident |
Utah’s minimum liability car insurance requirements are increasing Jan. 1, 2025, to 30/65/25 limits. This translates to $30,000 per person and $65,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability.[1]
Utah’s minimum requirements are just minimums and may not be enough financial protection for you on the road. Here are some optional coverages worth considering:
Collision coverage
Collision coverage pays for vehicle repair costs when you hit another vehicle or stationary object, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages and loss from non-collision incidents like theft, vandalism, fires, natural disasters, or falling objects.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if a driver without insurance or without enough insurance causes an accident.
Gap coverage
Gap coverage pays for the difference between your auto loan or lease balance and insurance settlement after a total loss.
Cheapest car insurance for drivers with an incident
More than 200 crashes in Provo had speeding as a contributing factor, but around 70% of crashes in the city had no injuries in 2022.[3] Driving incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other traffic violations can increase your car insurance rates. These incidents indicate a higher risk of future claims, so insurers adjust rates to offset potential losses.
In Provo, an at-fault accident can increase average liability rates from $118 per month to $163 per month, and a DUI on your record can increase average rates to $187 per month.
Here’s how much insurers charge on average for liability-only coverage for Provo drivers, based on driving history.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
USAA | $70 | $91 | $93 | $113 |
Root | $85 | $118 | $121 | $123 |
Auto-Owners | $86 | $113 | $115 | $139 |
Sun Coast | $88 | $123 | $122 | $139 |
State Farm | $94 | $121 | $124 | $152 |
GEICO | $101 | $131 | $134 | $163 |
National General | $101 | $132 | $134 | $163 |
Progressive | $101 | $130 | $135 | $163 |
Safeco | $108 | $142 | $142 | $162 |
Dairyland | $116 | $150 | $153 | $187 |
American Family | $120 | $156 | $160 | $194 |
Allstate | $128 | $166 | $170 | $207 |
GAINSCO | $137 | $191 | $174 | $221 |
Nationwide | $141 | $185 | $189 | $228 |
The General | $141 | $186 | $191 | $228 |
Bristol West | $156 | $204 | $207 | $252 |
Farmers | $166 | $214 | $220 | $268 |
Liberty Mutual | $199 | $278 | $282 | $321 |
State Auto | $219 | $306 | $316 | $354 |
Average cost of car insurance by age
Almost 300 of Provo’s car crashes in 2022 involved a teen driver.[3] Teen drivers usually pay the most expensive rates than any other age group because they lack experience behind the wheel and have a higher risk of accidents.
Average car insurance rates in Provo tend to decrease around age 35 as long as drivers maintain clean driving records. However, rates begin to increase around age 70 due to potential declines in vision, reaction time, and overall health that could affect seniors’ driving abilities.[4]
The table below shows how average car insurance quotes in Provo change based on driver age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $296 |
20s | $367 |
30s | $342 |
40s | $290 |
50s | $217 |
60s | $152 |
70s | $114 |
Provo car insurance quotes by credit tier
Utah allows insurance companies to consider your credit score when underwriting your policy and setting car insurance rates.[5] This means that drivers with poor credit scores typically pay more on average for car insurance than drivers with excellent or good credit scores.
Here’s how your credit can affect car insurance rates in Provo.
Rates by Credit Tier
Provo car insurance FAQs
Check out Insurify’s guide to switching your car insurance, and read the answers to common questions about auto coverage in Provo below.
How much is car insurance in Provo?
The average cost of car insurance in Provo, Utah, is $118 per month for liability insurance and $207 per month for full coverage.
Which company has the cheapest car insurance in Provo?
USAA, Root, and Auto-Owners are the cheapest car insurance companies in Provo, with liability rates of $70, $85, and $86 per month, respectively.
The best way to find the cheapest rates for you is to compare quotes from at least three companies for the same coverage. You can use a quote-comparison tool to see rates from multiple insurers in one place to help you compare them.
What are the best car insurance companies in Provo?
Some of the best car insurance companies in Provo that Insurify identified include Clearcover, Travelers, and USAA. These insurers have low average rates, good financial strength ratings, and solid Insurify Quality (IQ) Scores.
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
- 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.
Related articles
More cities in Utah
Sources
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements."
- Utah Department of Public Safety's Highway Safety Office. "Utah Crash Summary Crash Statistics."
- III. "Senior driving safety and insurance tips."
- Utah Insurance Department. "Credit Reports & Insurance."
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in