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Orem Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Orem is $1076 for a six-month policy, which is $124 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Orem can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $484 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $516 for a six-month policy, making it one of the cheapest to insure with.
Nationwide offers auto insurance rates at $664 for six months, making it the third cheapest auto insurance company in Orem.
Based on our research, the cheapest car insurance company in Orem, UT is Farmers Union Insurance, offering policies at just $484 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $516.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orem drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $484 | $82 |
| Auto-Owners Insurance Co | $516 | $86 |
| Nationwide | $664 | $112 |
| USAA | $725 | $122 |
| Progressive | $819 | $138 |
| American Family | $845 | $142 |
| Auto-Owners | $1014 | $171 |
| Farm Bureau | $1128 | $188 |
| Allstate | $1537 | $259 |
| State Farm | $1900 | $320 |
| Farmers | $2208 | $375 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Orem are given below.
Farmers Union Insurance provides the cheapest minimum car insurance coverage in Orem. Their Average 6 Month Premium is $221. Farmers is the most expensive at $1114 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $221 | $37 |
| USAA | $262 | $44 |
| Auto-Owners Insurance Co | $288 | $49 |
| Nationwide | $315 | $53 |
| Progressive | $370 | $62 |
| Auto-Owners | $409 | $69 |
| Farm Bureau | $457 | $76 |
| American Family | $477 | $80 |
| Allstate | $738 | $124 |
| State Farm | $872 | $147 |
| Farmers | $1114 | $185 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Orem is Farmers Union Insurance at $82 per month and $484 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $484 | $82 |
| Auto-Owners Insurance Co | $516 | $86 |
| Nationwide | $664 | $112 |
| USAA | $725 | $122 |
| Progressive | $819 | $138 |
| American Family | $845 | $142 |
| Auto-Owners | $1014 | $171 |
| Farm Bureau | $1128 | $188 |
| Allstate | $1537 | $259 |
| State Farm | $1900 | $320 |
| Farmers | $2208 | $375 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Orem, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Orem's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Orem at $58 per month. At $8450 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $349 | $58 |
| Auto-Owners Insurance Co | $395 | $68 |
| Iowa Farm Bureau | $416 | $69 |
| Utah Farm Bureau | $450 | $77 |
| USAA | $1443 | $243 |
| Nationwide | $1671 | $281 |
| Auto-Owners | $2007 | $338 |
| Progressive | $2564 | $432 |
| Farm Bureau | $3034 | $505 |
| American Family | $3068 | $516 |
| Allstate | $5262 | $886 |
| State Farm | $6994 | $1177 |
| Farmers | $8450 | $1408 |
Teen Car Insurance Rates in UT by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Orem, Nationwide is the cheapest car insurance provider. At $370 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Orem is State Farm, offering rates of around $3121 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $370 | $63 |
| Farmers Union Insurance | $409 | $68 |
| Kemper | $605 | $103 |
| Auto-Owners Insurance Co | $692 | $115 |
| Progressive | $966 | $163 |
| American Family | $1162 | $195 |
| USAA | $1537 | $261 |
| Farmers | $2107 | $355 |
| Farm Bureau | $2121 | $360 |
| Auto-Owners | $2564 | $427 |
| Allstate | $2752 | $468 |
| State Farm | $3121 | $520 |
Save up to $971/yr on car insurance rates in Orem.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Orem, UT, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Orem include Farmers Union Insurance and AutoOwners Insurance Co, offering $356 and $477, respectively. Farmers is an expensive provider with an average six-month premium of $3309.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $356 | $59 |
| Auto-Owners Insurance Co | $477 | $81 |
| Utah Farm Bureau | $564 | $94 |
| Encompass | $624 | $106 |
| USAA | $719 | $121 |
| Nationwide | $785 | $132 |
| Progressive | $866 | $146 |
| Auto-Owners | $1135 | $191 |
| American Family | $1141 | $192 |
| Farm Bureau | $1738 | $296 |
| Allstate | $2155 | $363 |
| State Farm | $2409 | $406 |
| Farmers | $3309 | $551 |
Here is a list of driving violations that can increase your car insurance rates in Orem UT. For example, the car insurance in Orem after a DUI increases to $1107 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1235 | $206 |
| One Med/PIP claim | $1242 | $211 |
| Not-at-fault accident | $1269 | $211 |
| One comp claim | $1269 | $216 |
| Two Med/PIP claims | $1269 | $211 |
| Two comp claims | $1283 | $218 |
| Failure to show documents | $1402 | $234 |
| Child safety restraint | $1443 | $245 |
| Driving without lights | $1443 | $241 |
| Failure to wear a seat belt | $1443 | $245 |
| Driving with expired registration | $1470 | $245 |
| Cell phone violation | $1516 | $258 |
| Texting while driving | $1516 | $253 |
| Wrong way/wrong lane | $1516 | $258 |
| Driving too slowly | $1523 | $254 |
| Failure to yield | $1523 | $259 |
| Following too closely | $1523 | $254 |
| Illegal turn | $1523 | $259 |
| Speeding 6 - 10 MPH over limit | $1523 | $254 |
| Failure to stop at a red light | $1530 | $260 |
| Speeding 11 - 15 MPH over limit | $1530 | $255 |
| Speeding 16 - 20 MPH over limit | $1530 | $260 |
| Speeding in school zone | $1530 | $255 |
| Improper passing | $1537 | $261 |
| In 65 MPH zone | $1591 | $266 |
| Speeding 21 - 25 MPH over limit | $1618 | $275 |
| Passing school bus | $1624 | $271 |
| At-fault accident - less than $1000 | $1712 | $292 |
| Operating a vehicle without permission | $1792 | $298 |
| At-fault accident - $1000-$2000 | $1840 | $313 |
| Open container | $1852 | $308 |
| At-fault accident - greater than $2000 | $1866 | $318 |
| Reckless driving | $2309 | $385 |
| Driving with a suspended license | $2322 | $394 |
| Refusal to submit to a chemical test | $2322 | $388 |
| DUI | $2342 | $398 |
| Racing | $2342 | $391 |
| Leaving scene of an accident/hit and run | $2443 | $416 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Orem.
The cheapest car insurance premiums in Orem are offered by Utah Farm Bureau at $416 for a six-month policy. However, it can be as expensive as $3698 with companies like State Farm.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Utah Farm Bureau | $416 | $71 |
| Farmers Union Insurance | $450 | $75 |
| Kemper | $516 | $88 |
| Progressive | $745 | $125 |
| USAA | $1094 | $184 |
| Nationwide | $1228 | $207 |
| American Family | $1242 | $209 |
| Farm Bureau | $1276 | $212 |
| Allstate | $1631 | $275 |
| Auto-Owners | $2484 | $414 |
| Farmers | $2973 | $505 |
| State Farm | $3698 | $623 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Orem are offered by Farmers Union Insurance at $281. However, it can be as expensive as $3068 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $281 | $47 |
| Nationwide | $288 | $49 |
| Auto-Owners Insurance Co | $390 | $67 |
| Progressive | $765 | $129 |
| American Family | $872 | $147 |
| USAA | $913 | $153 |
| Auto-Owners | $947 | $160 |
| Farm Bureau | $1276 | $212 |
| State Farm | $1651 | $280 |
| Allstate | $1732 | $288 |
| Farmers | $3068 | $522 |
Car insurance rates in Orem have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Orem remained steady at $242 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Orem remained steady at $77 in both December and November, indicating no change over the two month period.
How much is car insurance in Orem?
The car insurance in Orem is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Orem?
The cheapest car insurance in Orem is $82 per month for full coverage.
How much is car insurance in Orem for teenagers?
Car insurance for teenagers costs $349 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Orem?
The average cost of car insurance is $952 for a six-month policy. It will cost around $181 per month to insure your car in Orem.
Is car insurance expensive in Orem?
Car insurance can be expensive in Orem if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Orem can be affordable.
What is the best car insurance in Orem, UT?
The best car insurance company in Orem UT is Farmers Union Insurance, offering $484 for a six-month policy.
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