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.
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All motor vehicles operated or parked on Utah roadways are required to be insured.
Bodily injury liability coverage
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.
|Failure to Stop for Red Light / Stop Sign||$185|
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.
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.
See More: Bad Credit Car Insurance Utah
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.