Cheap Auto Insurance Quotes in Provo, UT (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Beehive State.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Welcome to Happy Valley: Provo, Utah

Utah is utterly massive. With nearly 100,000 miles of roadway through both arid desert and snow-capped mountains, Provo, the third-largest city in the Beehive State, has something for everyone.

Car travel is the main mode of transportation for over 117,000 Provo residents. Finding the right car insurance policy for you and your lifestyle is an imporant step towards safe driving in Provo. Search and save on the best car insurance policies in Provo today. 

Car Insurance in Provo, 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 Provo, UT to find you the cheapest quotes in the area.

Loading Chart

Cheapest Car Insurance in Provo, UT

Here are the cheapest carriers in Provo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Provo, 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 carrier reviews. The following are the top rated carriers that offer car insurance in Provo. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Provo, UT Driving Facts

 

Minimum Car Insurance Requirements in UT

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 available when:

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

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Utah are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Utah state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Utah law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Utah is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $3,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $3,000 is required for minimum coverage in Utah

utah

Provo Car Insurance Rates by Driver Age

Age is a factor that helps determine what your monthly auto premiums will be. Using decades of statistics on accidents, data crunchers have found that risk increases with less time on the road. It makes sense, then, that teen drivers in Provo pay the most to insure their automobiles—topping out at $313 a month. While insurance rates drop when you turn 20, Provo drivers experience a steep increase in premiums once they hit their 50s (from $178 to $302). While the reason for this is unclear, statistics likely play a part in determining these rates.

Driver's AgeAvg. Monthly Cost
teens$314
20s$173
30s$160
40s$179
50s$303
60s$197
70s$86
80s$165
Driving HistoryAvg. Monthly Cost
No Violation$164
Speeding Ticket$217
At-Fault Accident$230
Failure to Stop for Red Light / Stop Sign$185

Provo Car Insurance Rates by Driving and Accident History

If you want to enjoy the cheapest auto insurance in Provo, it makes sense to mind your driving record. Any time you have an accident or engage in risky driving behavior, you are signaling to your insurer that they should raise your rates. Provo’s clean-record crowd pays an average of $163 a month for car insurance. Compare this to a driver with an at-fault accident on their record, and you’ll see average monthly rates rise to $229. This is one reason to check if your insurance company offers accident forgiveness. If so, they’ll forgive your first accident, keeping your rates unaffected.

Provo Car Insurance Rates by Credit Tier

While most drivers know that age, driving record, and even marital status all figure into your insurance premium, not everyone realizes that credit rating is also part of the calculation. How does this make sense? Studies have shown a direct relationship between the way people manage their money and their accident risk. The higher your score, the lower your risk and insurance rates. On average, drivers with an excellent credit score in Provo can expect to pay $182 in monthly insurance premiums.

Credit TieAvg. Monthly Cost
Excellent$183
Good$185
Average$167
Poor$186

Provo DMV Information

There is one major DMV outpost int he city of Provo, located on East Center Street. Here, residents can change their address, obtain a driver's licesne, and complete vehicle registrations. The DMV is open from 8 AM to 5 PM with special morning and weekend hours. You may be able to skip the lines altogether and access what you need via its online portal.

Public Transit in Provo

Home to a major univeristy and with its close proximity to Salt Lake City, Provo has many public transit options for residents and visitors. The new UVX bus rapid transit line provides a fast and reliable free bus service between Provo and Orem. The RYDE shuttle and FrontRunner communter rail also offer services between Brigham Young University and the city center to surrounding suburbs. Provo also has rentable e-scooters and bicycles via their apps. Keep in mind, electric scooters are forbidden from the BYU campus. Ridesharing services like Uber and Lyft, plus traditional taxis, operate across Provo.

Conclusion: How to get the best and cheapest car insurance in Provo

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 8.2 percent of vehicles driving uninsured throughout Utah, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Provo stacks up for the state of Utah:

honda
Honda Civic
Most Popular Car in
Provo, UT
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

FAQs - Provo, UT Car Insurance

What does no-fault insurance mean?

One of just a handful of states, Utah abides by a no-fault auto insurance system. These laws mandate that every driver carry their own protection. After an accident, each driver’s own insurance policy covers damages, regardless of fault. The logic of a no-fault state like Utah is that it will decrease litigation over culpability following an accident.

What is the penalty for driving uninsured in Utah?

Driving uninsured puts yourself and cars around you in great danger—never drive uninsured. If you’re caught driving uninsured in Utah, you face a Class B misdemeanor, which could put you in jail for up to six months and cost you thousands in fines, and reinstatement fees. For additional offenses, punishments worsen.

Who has the cheapest car insurance in Utah?

The best way to get the cheapest car insurance in Utah and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.