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Cheapest Auto Insurance in Orem, Utah (2024)

USAA offers the cheapest car insurance in Orem, with rates starting at $69 per month.

Anna Baluch
Escrito porAnna Baluch
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Anna BaluchEscritora de seguros

Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.

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Actualizado el 6 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

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Las tarifas más baratas encontradas recientemente en Utah

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $58/mes para solo responsabilidad y $95/mes para cobertura total en Utah.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Situated in the northern part of Utah, Orem is known as “Family City USA” because of the many married couples and young residents who live there. However, due to its large population and higher car accident rates, Orem drivers face higher car insurance rates than the Utah state average.[1] 

On average, drivers in Orem pay $112 per month for a liability policy and $182 for full coverage compared to the state averages of $100 for liability coverage and $185 for full coverage.

Fortunately, it’s possible to pay lower rates depending on the choices you make. Here’s how.

Datos Breves

  • USAA, Safeco, and Sun Coast are the cheapest car insurance companies in Orem.

  • A full-coverage car insurance policy costs Orem drivers an average of $2,189 per year.

  • Utah partners with Insure-Rite, an auto liability insurance verification company, to help reduce the number of uninsured drivers in the state.

3 of the cheapest car insurance companies in Orem

To find the best deal on an auto policy in Orem, you should compare quotes from multiple insurance companies. As you do so, keep Clearcover, USAA, and Travelers in mind. They continually offer some of the lowest rates in Utah, and one of them may be the right insurer for you.

Here, you can learn a little more about each.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Clearcover3.4$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_UT_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_UT_PRICE}Rideshare drivers
USAA4.7$99$65Military members
Travelers4.5$${AUTO_CARRIER_TRAVELERS_FULL_STATE_UT_PRICE}N/AYoung drivers
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for rideshare drivers: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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 aaa (exceptional) to c (poor).
NR
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.
$88/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.
$143/mo

Rideshare companies like Lyft and Uber serve residents in Orem. If you’re a rideshare driver, you can secure rideshare insurance, in addition to a traditional car insurance policy, through Clearcover. Clearcover is also an app-based car insurance company, which can make it especially appealing to rideshare drivers who are always on the go.

Ventajas

  • Robust mobile app

  • Discount available for military members

Contras

  • No bundling discounts

  • No usage-based insurance program

Read our Clearcover review
Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.
Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.
Larry - February 9, 2024
Verified

Excellent

No problems.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$69/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.
$106/mo

More than 2,301 veterans call Orem home, according to a 2017–2021 U.S. Census Bureau estimate.[2] If you’re a military member or veteran in the area, you may be able to secure cheap car insurance rates with USAA. The company focuses on serving the military community with auto insurance and other products, like home insurance, renters insurance, and life insurance.

Ventajas

  • Usage-based car insurance program available

  • Multiple discounts advertised

Contras

  • Must be affiliated with the military to become a member

  • No gap insurance

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified

Excellent

So far, so good.
Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…

Best insurer for young drivers: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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 aaa (exceptional) to c (poor).
A++
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.
$146/mo

Due to schools like Orem High School and Utah Valley University, Orem has many students and young drivers. Travelers offers a variety of discounts for teen drivers and students, including a good student discount, student away at school discount, and a driver training discount.

Ventajas

  • Large insurer with demonstrated longevity

  • Variety of coverage options

Contras

  • Rideshare insurance not available in Utah

  • Below-average J.D. Power customer satisfaction rating in the Southwest region

Read our Travelers review
Raymond Gary - April 21, 2024
Verified

Disappointed with the Outcome

We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
Willard - April 13, 2024
Verified

No

Too expensive.
Jeffrey - March 23, 2024
Verified

Excellent

Fast.

How to get the cheapest car insurance in Orem

Several car insurance companies offer auto insurance policies to Orem residents. To help you secure the lowest rates possible, follow these tips:

  • Shop around. It’s a good idea to consult an insurance agent or use a quote-comparison tool to get quotes from at least three different car insurance companies. Then, choose the insurer with the lowest premiums and the right coverage for your unique situation.

  • Look for discounts. Many car insurance companies offer a variety of discounts to customers, including military, multi-policy, and loyalty discounts. Take advantage of every discount you qualify for, and don’t be afraid to ask which ones apply to you.

  • Bundle policies. If you purchase your car insurance from the same company as your condo insurance, home insurance, renters insurance, health insurance, or life insurance, you may be able to secure cheaper auto coverage.

  • Drive safely. Speeding, at-fault accidents, and DUIs are all examples of traffic incidents that can increase your car insurance costs. To enjoy low rates, commit to safe driving habits.

Find Cheap Car Insurance in Orem, Utah

Liability rates start at $69 per month

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
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Cheapest liability-only car insurance in Orem: USAA

You must invest in liability-only car insurance to drive legally in the state of Utah. This coverage pays for others’ property damage and injuries from an accident you cause.

The average rate for liability insurance in Orem is $112 per month, and you can see the average quotes offered by area insurers in the table below.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
USAA69
Safeco71
Sun Coast80
Auto-Owners84
Midvale Home & Auto87
State Farm92
Progressive97
GEICO98
National General98
Dairyland99
Liberty Mutual103
GAINSCO115
American Family116
Allstate125
Nationwide137
The General142
Bristol West162
Farmers162
State Auto214
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Orem: USAA

Full-coverage car insurance usually includes minimum liability coverage, collision coverage, and comprehensive coverage. In Utah, this also includes personal injury protection. These coverages combine to cover other parties, as well as your vehicle and injuries in an accident you cause.

Full coverage offers extra protection and may be mandatory if you finance or lease your vehicle. The average monthly rate for full-coverage insurance in Orem is $182.

Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Orem.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
USAA106
Safeco121
Auto-Owners129
Midvale Home & Auto142
State Farm142
Sun Coast145
Travelers146
Progressive150
GEICO152
Liberty Mutual169
American Family180
National General188
Allstate194
Nationwide212
Dairyland220
The General228
GAINSCO241
Farmers250
State Auto258
Bristol West291
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Car insurance requirements in Utah

Utah requires liability-only car insurance and proof of coverage, at the very least. It’s also a no-fault state, meaning injured drivers can collect compensation through their own personal injury protection (PIP) for injuries, regardless of fault.

Below are the minimum limits you’ll need to carry to be a legal driver in Orem:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $65,000 per accident
Property damage liability$15,000 per accident
Personal injury protection$3,000 per person

While the coverage amounts above meet Utah’s minimum requirements, you may want to upgrade your coverage with any of the following options:

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

    Collision coverage

    Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or object, no matter who’s responsible for it.

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

    Comprehensive coverage

    Comprehensive coverage kicks in to cover vehicle damage from fires, theft, vandalism, and other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage can reimburse you and your passengers for medical bills and funeral expenses after a car accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage offers fuel delivery, towing, tire changes, and other related services to cover emergency situations on the road.

Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) can lead insurers to consider you a high-risk driver and result in higher car insurance rates. For this reason, Orem drivers with clean records usually pay cheaper premiums.

If you do have a poor driving record, you can still find an affordable auto policy. This table shows how driving incidents can affect your car insurance costs in Orem.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA699092114
Safeco719491117
Sun Coast80116114130
Auto-Owners84109111139
Midvale Home & Auto87117122143
State Farm92119122152
Progressive97127131160
GEICO98128130162
National General98141129162
Dairyland99130131163
Liberty Mutual103148149170
GAINSCO115165148190
American Family116151153191
Allstate125162166206
Nationwide137180183226
The General142187192234
Bristol West162209211267
Farmers162210214267
State Auto214303314353
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average cost of car insurance by age

Teens, young adults, and senior drivers typically pay the highest car insurance premiums. This is due to the general inexperience of younger drivers and the reduced faculties that can appear in drivers older than 70.

Here’s a look at the average car insurance quotes you can expect to see in Orem based on your age.

AgeAverage Monthly Quote
Teens$296
20s$367
30s$342
40s$290
50s$217
60s$152
70s$114
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Orem, UT

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Orem car insurance quotes by credit tier

Like most states, Utah permits car insurance companies to consider your credit history when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them lower rates.

An Orem driver with excellent credit will pay an average of $128 per month, while someone with poor credit may have to settle for an average rate of $251 per month.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Orem car insurance FAQs

Looking for more information to help you find the best rates in Orem? Consult the answers below.

  • How much is car insurance in Orem?

    The average rate for car insurance in Orem is $147 per month. The average monthly rates for liability and full coverage are $112 and $182.

  • Who has the cheapest car insurance in Orem?

    USAA offers the cheapest car insurance in Orem, at $69 per month. Safeco and Sun Coast also offer low rates in the area, with monthly rates of $71 and $80, respectively.

  • What are the best car insurance companies in Orem?

    Clearcover, USAA, and Travelers are three of the top insurers in Orem. Each is known for its customer service, financial stability, low rates, and number of discounts offered. Remember that the best way to find the ideal policy for you is to compare quotes from multiple insurers using a price-comparison platform.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Utah Department of Public Safety. "Utah Crash Summary Crash Statistics."
  2. United States Census Bureau. "Orem, Utah."
  3. Utah State Legislature. "Utah Insurance Code."
Anna Baluch
Anna BaluchEscritora de seguros

Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.

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