Cheapest Auto Insurance in Provo, Utah (2026)

Drivers in Provo, Utah, pay an overall average of $123 per month for car insurance. While that may seem expensive, it’s similar to the overall national average of $136 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.

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	7.1	$150	$117	Cheap rates
USAA	9.1	$86	$59	Military members and families
Travelers	8.5	$${AUTO_CARRIER_TRAVELERS_FULL_STATE_UT_PRICE}	N/A	Bundling

Disclaimer: Table data sourced from real-time Provo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Provo may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

cheap rates

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User Reviews	3.8 40 reviews
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.	7.1 /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.	$120/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.	$154/mo

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Driver Reviews

3.8

A solid option in Provo, UTBased on 63 verified driver reviews and ratings

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Robust mobile app

Fast claims process

Competitive pricing

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Robust mobile app

Fast claims process

Competitive pricing

Showing recent national reviews - See all 40 Clearcover reviews

Christy

Verified Purchase

Great so far

Reviewed in Missouri on January 25, 2026

Great for now, we will see what the price does at renewal time.

Daysy

Verified Purchase

Price is cheap but poor claim experience

Reviewed on November 6, 2025

Worst claim handling, no communication whatsoever.

Jerry

Verified Review

They helped me with some relief in getting reliable car insurance coverage

Reviewed in Missouri on June 12, 2025

Very good at helping get some insurance.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.36

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

Why we picked this company

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.

Pros

• Comparatively affordable rates in Provo

• Easy-to-use mobile app for account management

Cons

• No bundling options

• Limited over-the-phone support

Best insurer for military members and families: USAA

military community

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User Reviews	4.9 1,487 reviews
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.	9.1 /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.	$62/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.	$87/mo

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Driver Reviews

4.9

Best choice in Provo, UTBased on 3,167 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Members of the military community

Outstanding customer service

Competitive rates

Showing 7 Utah reviews for Provo drivers - See all 1,487 USAA reviews

Jeffrey

Verified Review

USAA Savings

Reviewed in Utah on February 27, 2026

Excellent, you need someone in the family to be military or a veteran. I just got a check from the subscriber account USAA uses as a safety valve. This check basically paid for 6 months of coverage.

Ronald

Verified Review

My present insurance was great but too expensive now.

Reviewed in Utah on November 18, 2025

Premiums have risen dramatically this past year. I have had this insurance for over 40 years but need to look elsewhere.

Lane

Verified Review

My experience is good other than the way USAA DriveSafe works! Hard braking is unfairly recorded; there are times when other drivers cut a person off and cause hard braking.

Reviewed in Utah on September 21, 2025

My experience is good other than the way USAA DriveSafe works! Hard braking is unfairly recorded; there are times when other drivers cut a person off and cause hard braking.

Michael

Verified Review

Why I am shopping for a better rate.

Reviewed in Utah on May 15, 2025

My two pickups are only driven by me, but I am charged more for the second pickup as if there were additional drivers.

William

Verified Review

Priced Out

Reviewed in Utah on April 24, 2025

I love USAA, but it just got too expensive after 3 accidents!

Katie

Verified Review

Average Price & Coverage

Reviewed in Utah on April 18, 2025

The coverage and pricing are now average. They used to be outstanding.

Karen

Verified Review

My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.

Reviewed in Utah on March 21, 2025

My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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++

Why we picked this company

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.

Pros

• AM Best financial strength rating of A++ (Superior)

• Specialized discounts

Cons

• Gap insurance not available

• Restrictive membership requirements

Best insurer for bundling: Travelers

bundling

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User Reviews	4.7 568 reviews
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.	8.5 /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.	$99/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.	$187/mo

Show Details

Driver Reviews

4.7

Best choice in Provo, UTBased on 1,290 verified driver reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Provo for

Numerous discounts

Gap insurance

Rideshare coverage

Showing recent national reviews - See all 568 Travelers reviews

Patrick

Verified Review

Dissatisfied with premium

Reviewed in Florida on March 12, 2026

I am paying way too much for my policy. I’m retired, have no claims, no tickets, and I’m paying way too much through Travelers. If the policy amount is not reduced, I will go to someone else.

June-Ann

Verified Review

Good but..

Reviewed in Florida on March 10, 2026

It's a great company, but not the cheapest.

Helen

Verified Review

Overpriced for No Claims or Tickets

Reviewed in Kentucky on March 7, 2026

If you expect a good driver discount or loyalty discount, you can forget it.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

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++

Why we picked this company

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.

Pros

• Variety of discounts

• Roadside assistance available

Cons

• 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.

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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 $62 per month.

The table below shows more cheap liability car insurance companies in Provo.

The below rates in Provo, UT, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$62
Auto-Owners	$75
National General	$77
State Farm	$82
GEICO	$87
Sun Coast	$91
Root	$97
The General	$100
American Family	$104
Allstate	$112
Clearcover	$120
Nationwide	$122
Direct Auto	$122
Dairyland	$123
Bristol West	$123
Safeco	$125
GAINSCO	$132
Farmers	$145
State Auto	$190
Liberty Mutual	$193

Disclaimer: Table data sourced from real-time Provo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Provo may vary based on the policy buyer's unique driver profile.

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 $87 per month.

Here are other cheap full-coverage auto insurers in Provo.

The below rates in Provo, UT, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$87
Auto-Owners	$107
State Farm	$117
GEICO	$125
Sun Coast	$126
National General	$136
Root	$144
American Family	$149
Safeco	$152
Clearcover	$154
Allstate	$160
The General	$168
Direct Auto	$170
Nationwide	$174
Liberty Mutual	$196
Farmers	$206
Bristol West	$213
GAINSCO	$235
State Auto	$271
Dairyland	$274

Disclaimer: Table data sourced from real-time Provo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Provo may vary based on the policy buyer's unique driver profile.

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.

The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.^[1] The table below reflects the change in requirements:

Coverage	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$25,000 per person / $65,000 per accident	$30,000 per person / $65,000 per accident
Property damage liability	$15,000 per accident	$25,000 per accident
Personal injury protection (PIP)	$3,000	$3,000

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.^[2] 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 $103 per month to $135 per month, and a DUI on your record can increase average rates to $166 per month.

Here’s how much insurers charge on average for liability-only coverage for Provo drivers, based on driving history.

The below rates in Provo, UT, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
USAA	$62	$77	$83	$96
Auto-Owners	$75	$95	$99	$116
National General	$77	$92	$102	$119
State Farm	$82	$100	$108	$127
GEICO	$87	$110	$113	$133
Sun Coast	$91	$106	$120	$147
Root	$97	$125	$129	$151
The General	$100	$129	$137	$155
American Family	$104	$131	$139	$161
Allstate	$112	$141	$150	$173
Clearcover	$120	$150	$174	$186
Nationwide	$122	$153	$164	$189
Direct Auto	$122	$147	$166	$189
Dairyland	$123	$148	$162	$190
Bristol West	$123	$149	$161	$190
Safeco	$125	$159	$174	$205
GAINSCO	$132	$152	$168	$204
Farmers	$145	$179	$193	$225
State Auto	$190	$245	$258	$277
Liberty Mutual	$193	$237	$256	$299

Disclaimer: Table data sourced from real-time Provo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Provo may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Almost 300 of Provo’s car crashes in 2022 involved a teen driver.^[2] 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.^[3]

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

Disclaimer: Table data is based on real-time Provo quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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.^[4] 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.

Provo car insurance FAQs