Cheapest Auto Insurance in Provo, Utah (2026)

The cheapest car insurance in Provo is from USAA, which has rates as low as $50 per month.

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Cheapest recent rates near Provo, Utah

Drivers in and around Provo, Utah have found policies from Liberty Mutual, National General, Root, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jacqueline DeMarco
Jacqueline DeMarcoFreelance Insurance Writer
  • 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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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MacKenzie Korris
Reviewed byMacKenzie Korris
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

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Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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 $142 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.

Quick Facts
  • The average cost of car insurance in Provo, Utah, is $97 per month for liability insurance and $148 per month for full coverage.

  • USAA, Auto-Owners, and National General 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
Clearcover7.1$141$95Cheap rates
USAA9.1$77$50Military members and families
Travelers8.5$${AUTO_CARRIER_TRAVELERS_FULL_STATE_UT_PRICE}N/ABundling
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.
  • 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

User Reviews
3.8
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.
$97/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.
$145/mo
3.8
A solid optionBased on 64 verified driver reviews and ratings
Clearcover's score
Industry average
Coverage options3.83.2
Customer service3.13.6
Discounts3.42.9
Policy transparency3.63.1
Value3.52.9
How drivers feel about Clearcover

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

Based on analysis of verified reviews collected by Insurify

Best For
Robust mobile app
Fast claims process
Competitive pricing
Showing recent national reviewsSee all 40 Clearcover reviews
Christy
Verified Purchase
Great so far
Great for now, we will see what the price does at renewal time.
Daysy
Verified Purchase
Price is cheap but poor claim experience
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Very good at helping get some insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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

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.
9.1 /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.
$50/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.
$78/mo
4.9
Best choiceBased on 3,500 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Members of the military community
Outstanding customer service
Competitive rates
Showing 4 Utah reviews for Provo driversSee all 1,549 USAA reviews
Jeffrey
Verified Review
USAA Savings
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.
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.
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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
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

User Reviews
4.6
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.
$96/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.
$194/mo
4.6
Best choiceBased on 1,437 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options4.73.2
Customer service4.73.6
Discounts4.32.9
Policy transparency4.63.1
Value4.32.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Numerous discounts
Gap insurance
Rideshare coverage
Showing recent national reviewsSee all 594 Travelers reviews
Jerry
Verified Review
Good customer service - Agent
The agent is very professional and prompt in returning calls.
Richard
Verified Review
Travelers Insurance Rated Without Claim
The price is high for the age of the cars and the coverage. Plus, they required my granddaughter to be added to the policy since she was staying with us while recovering from surgery and did not drive.
Donald
Verified Review
Very helpful in billing and quite clear in the process. Notice of due payments and billing is great!
Very helpful in billing and quite clear in the process. Notice of due payments and billing is great!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
565
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.

Find Car Insurance in Provo, Utah

Rates start as low as $50 per month

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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 $50 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, April 27 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$50
Auto-Owners$63
National General$67
State Farm$68
GEICO$73
Progressive$73
The General$79
Sun Coast$80
American Family$86
Allstate$93
Root$94
Clearcover$97
Freedom National$98
Direct Auto$100
Nationwide$101
Safeco$107
Bristol West$110
Dairyland$110
GAINSCO$116
Farmers$120
Liberty Mutual$154
State Auto$158
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 $78 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, April 27 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$78
Auto-Owners$95
State Farm$105
GEICO$111
Sun Coast$111
Safeco$131
American Family$132
Root$133
Allstate$142
Clearcover$145
Progressive$145
National General$146
Direct Auto$155
Nationwide$156
The General$159
Liberty Mutual$169
Freedom National$174
Bristol West$184
Farmers$184
GAINSCO$200
Dairyland$205
State Auto$242
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.

Recent Insurify quotes for Provo, Utah drivers

Recent Provo, Utah car insurance prices for Dodge, GMC, Toyota, and more.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes 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
sort ascsort desc
2024 Coverage Limits
sort ascsort desc
2025 Coverage Limits
sort ascsort desc
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:

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle repair costs when you hit another vehicle or stationary object, regardless of fault.

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages and loss from non-collision incidents like theft, vandalism, fires, natural disasters, or falling objects.

    illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

    illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 $97 per month to $132 per month, and a DUI on your record can increase average rates to $117 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, April 27 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
USAA$50$63$68$66
Auto-Owners$63$80$85$83
National General$67$82$90$88
State Farm$68$84$91$90
Progressive$73$87$99$88
GEICO$73$94$97$96
Sun Coast$80$96$109$96
The General$79$104$110$101
American Family$86$109$117$114
Freedom National$98$117$133$118
Allstate$93$118$126$123
Clearcover$97$121$141$128
Root$94$123$128$125
Direct Auto$100$123$138$132
Nationwide$101$128$138$133
Dairyland$110$134$147$145
GAINSCO$116$136$151$153
Bristol West$110$136$147$145
Safeco$107$138$151$151
Farmers$120$151$163$158
Liberty Mutual$154$192$207$203
State Auto$158$206$219$199
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
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.

Compare Auto Quotes in Provo, UT

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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.

Rates by Credit Tier

Category
Price
Excellent$128
Good$151
Fair$166
Poor$251

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 $97 per month for liability insurance and $148 per month for full coverage.

  • Which company has the cheapest car insurance in Provo?

    USAA, Auto-Owners, and National General are the cheapest car insurance companies in Provo, with liability rates of $50, $63, and $67 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.

Sources

  1. Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
  2. Utah Department of Public Safety's Highway Safety Office. "Utah Crash Summary Crash Statistics."
  3. III. "Senior driving safety and insurance tips."
  4. Utah Insurance Department. "Credit Reports & Insurance."

Methodology

Insurify data scientists analyzed more than 190 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Jacqueline DeMarco
Written byJacqueline DeMarcoFreelance Insurance Writer
Jacqueline DeMarco
Jacqueline DeMarcoFreelance Insurance Writer
  • 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.

Featured in

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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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MacKenzie Korris
Reviewed byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

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