Cheap Auto Insurance Quotes in Provo, UT (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$39
$91
$126
$167
$174
ProgressiveAllstateState FarmThe GeneralAmerican Family
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$128
$132
$125
$130
$132
$119
UtahSalt Lake CityWest JordanOremSandyProvo
Monthly $

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

Provo, UT Driving Facts

utah

 

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

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.

Driving History
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.

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.

Find local Provo agents

The Insurance Center 
380 South 900 West, Provo, UT 84601
Foote Insurance Agency 
305 N Freedom Blvd, Provo, UT 84601-2843
ISU - Wiseman Insurance Agency, LC 
289 E Center St, Provo, UT 84606
Bear River Mutual Agent: Keystone Insurance Services
1774 N University Pkwy #70, Provo, UT 84604
GMI Insurance Inc
1355 N University Ave #140, Provo, UT 84604
Express Insurance
3301 N University Ave, Provo, UT 84604
Advance Insurance
363 N University Ave #103, Provo, UT 84601
Neal Dastrup Insurance
1840 N State St, Provo, UT 84604
Big Pine Insurance®Agency
1675 Freedom Blvd 200 W Bldg. 2 Ste. B1, Provo, UT 84604
Inszone Insurance Services
289 E Center St, Provo, UT 84606

Insurify Insights: How Provo Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Provo, UT
suspended licenses
#16
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Provo drivers measure up to their fellow Utah motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Provo

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. Provo drivers rank 16 in the number of car accidents per driver across all cities in Utah.

  • Rank within state: #16
  • Percent of drivers in Provo with an accident: 11.72%
  • Drivers in Provo, UT with an accident in their driving history paid on average 41.83% more than drivers with a clean record

Speeding Provo

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Provo drivers rank 24 in the number of speeding infractions per driver.

  • Rank within state: #24
  • Percent of drivers in Provo with a speeding ticket: 10.4%
  • Drivers in Provo, UT with a speeding ticket in their driving history paid on average 23.53% more than drivers with a clean record

DUI/DWIs Provo

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Provo drivers rank 8 in the number of DUI’s per driver across all cities in Utah.

  • Rank within state: #8
  • Percent of drivers in Provo with a DUI: 2.65%
  • Drivers in Provo, UT with a DUI in their driving history paid on average -86.93% more than drivers with a clean record

Most Popular Vehicle Provo

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Provo is the Honda Civic.

Rude Provo

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, Provo drivers rank 5 in rude driving infractions.

  • Rank within state: #5
  • Percent of drivers in Provo with a reckless driving violation: 2.55%
  • Drivers in Provo, UT with a reckless driving violation in their driving history paid on average 22.88% more than drivers with a clean record.

Safest Drivers Provo

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Provo drivers rank 5 in clean driving records across all cities in Utah.

  • Rank within state: #5
  • Percent of drivers in Provo with clean record: 78.07%

Failure to Yield the Right of Way Provo

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Provo drivers rank 9 in failure to yield violations per driver across all cities in Utah.

  • Rank within state: #9
  • Percent of drivers in Provo with a failure to yield violation: 0.57%
  • Drivers in Provo, UT with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Provo

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, Provo drivers rank 10 in the number of reckless driving offenses per driver.

  • Rank within state: #10
  • Percent of drivers in Provo with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Provo

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Provo drivers rank 8 in hybrid and electric vehicle ownership across all cities in Utah.

  • Rank within state: #8
  • Percent of drivers in Provo with a hybrid/electric vehicle: 1.32%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.