Over 117,000 Provo residents rely on cars as their primary source of transport. Finding the best car insurance policy for you and your lifestyle in Provo is a crucial step toward safe driving.
In Provo, car insurance costs an average of $1,419 per year. This is more than the state average ($1,318) but less than the national average ($1,560). Average rates for Provo auto insurance are based on age, credit score, driving history, and marital status, according to our research.
Provo vs Utah vs United States - Average Annual Rate
Provo | Utah | United States |
---|---|---|
$1,419 | $1,1318 | $1,560 |
There is a visible difference in auto insurance rates in Provo. Nationwide offers the lowest price and minimum liability to insurers at $790.
Insurance Company | Average Rate (annual) |
---|---|
Nationwide | $790 |
Auto-Owners Insurance Co | $862 |
Farmers Union Insurance | $887 |
Progressive | $987 |
American Family | $1,001 |
Farmers | $1,005 |
Iowa Farm Bureau | $1,007 |
State Farm | $1,058 |
Allstate | $1,138 |
Kemper | $1,783 |
Insurance Company | Average Rate (annual) |
---|---|
Farmers Union Insurance | $416 |
Nationwide | $484 |
Auto-Owners Insurance Co | $496 |
Progressive | $512 |
Iowa Farm Bureau | $559 |
Farmers | $571 |
State Farm | $592 |
American Family | $690 |
Allstate | $736 |
Kemper | $890 |
Drivers in their 50s have the lowest auto insurance premiums in Provo, paying an average of $1,348 per year. The rates for drivers in their 60s are slightly higher, at $1,387 per year.
Teen drivers have the highest auto insurance rates in Provo. As a driver in Provo, one of the simplest methods to cut your vehicle insurance costs is to pass your adolescent years. In Provo, the difference in vehicle insurance premiums paid by teenagers and drivers in their 20s is $1996. This is the largest premium disparity between any two age groups.
Age Tier | Average Annual Rate |
---|---|
Teenagers | $5592 |
20s | $1996 |
30s | $1414 |
40s | $1399 |
50s | $1348 |
60s | $1387 |
70s | $1746 |
The marital status and gender of a driver may have an impact on the vehicle insurance rates they pay in some situations. In Provo, married drivers pay $112 less for car insurance than unmarried drivers. In most places, married drivers pay lower rates than single drivers because they make fewer insurance claims, according to research. Rates for widowed people are likewise significantly lower than for single people.
Marital Status | Average Annual Rate |
---|---|
Married | $1329 |
Divorced | $1386 |
Widowed | $1360 |
Another element that can affect auto insurance prices is gender. Female drivers in Provo spend $78 more per year for car insurance than male drivers.
Marital Status | Average Annual Rate |
---|---|
Female | $1497 |
Male | $1419 |
One of the greatest methods to keep your vehicle insurance prices low is to preserve a clean driving record. Rate hikes may arise from speeding tickets, reckless driving charges, DUIs, and at-fault accidents.
When it comes to auto insurance, reckless drivers in Provo pay the price, with a rate increase of $609 per year compared to the city average. On average, a speeding ticket raises insurance rates by $206, while a DUI conviction raises premiums by $463 each year.
Incident | Average Annual Rate |
---|---|
DUI/ DWI | $1792 |
Reckless Driving | $2028 |
At Fault Accident (Damages less than $1000) | $1862 |
At Fault Accident (Damages greater than $1000) | $1931 |
Speeding ticket ($16-$20) | $1625 |
Lower auto insurance prices are one of the benefits of having an excellent credit score. Drivers with a good credit score pay less for vehicle insurance than those with a bad credit score. In fact, Provo drivers who raise their credit score from the "Very Poor" (300-579) to the "Exceptional" (800-850) grade get a 64 percent reduction in their vehicle insurance premiums. Moving from "Very Poor" to "Fair" credit is a critical step in lowering vehicle insurance costs. Improving your credit to "Fair" in Provo could result in a $1,360 reduction in annual vehicle insurance costs.
Credit Score | Average Annual Rate |
---|---|
Very poor | $3094 |
Fair | $1734 |
Good | $1419 |
Very Good | $1277 |
Exceptional | $1123 |
Insurance Company | Average Rate (annual) |
---|---|
Nationwide | $931 |
Auto-Owners Insurance Co | $1,141 |
State Farm | $1,163 |
Farmers Union Insurance | $1,201 |
American Family | $1,216 |
Iowa Farm Bureau | $1,222 |
Allstate | $1,260 |
Progressive | $1,278 |
Farmers | $1,286 |
Kemper | $2,182 |
Insurance Company | Average Rate (annual) |
---|---|
American Family | $997 |
State Farm | $1,273 |
Nationwide | $1,362 |
Auto-Owners Insurance Co | $1,420 |
Farmers Union Insurance | $1,448 |
Allstate | $1,513 |
Iowa Farm Bureau | $1,541 |
Farmers | $1,583 |
Progressive | $1,591 |
Kemper | $2,568 |
Insurance Company | Average Rate (annual) |
---|---|
Progressive | $1,121 |
State Farm | $1,162 |
American Family | $1,214 |
Farmers | $1,408 |
Allstate | $1,528 |
Nationwide | $1,685 |
Farmers Union Insurance | $1,876 |
Kemper | $1,908 |
Iowa Farm Bureau | $2,337 |
Auto-Owners Insurance Co | $2,462 |
Car insurance costs in Provo can differ from those in adjacent cities, and they can also differ within a city. Let's take a look at how vehicle insurance rates in Provo, UT vary by ZIP code.
Zip code | Average Annual Rate |
---|---|
84601 | $3907 |
84602 | $3934 |
84604 | $3974 |
84606 | $3984 |
Baseline auto insurance rates in Provo are determined by a number of factors. The following are frequently taken into account by insurance companies:
Unfavorable weather
Your auto insurance rates are likely to be higher if you live in a city that is prone to severe winter storms, tornadoes, hurricanes, hail, or other extreme weather occurrences. Insurance firms will raise their premiums to compensate for the danger of making numerous claims at once due to a natural disaster.
Congested roadways
The number of cars on the road is influenced by the population density, number of commuters, and typical commute times of a city. If you live in a city with a lot of traffic, you're more likely to have a crash. As a result, insurance firms will charge drivers in certain locations greater prices.
Crime rate
The rate of property crime will have a significant impact on your auto insurance prices. If you live in a city where auto theft or vandalism is common, your auto insurance rates may rise. Insurance companies will charge higher premiums to mitigate the possibility of huge comprehensive claim payouts.
Never drive under the influence of drugs or alcohol (DUI)
When alcohol is combined with driving, it can be fatal. When a large number of people do the same thing, the problem becomes even worse. Please take advantage of the fact that you have more possibilities of getting a ride than ever before. Avoid driving while intoxicated to protect yourself and others, whether you have a designated driver, use a cab, Uber, or Lyft, or choose another choice.
Avoid being distracted when driving
At 55 miles per hour, taking your eyes off the road for 5 seconds is about equivalent to closing your eyes and driving the length of a football field.
Drive conservatively and with extreme caution
Drive defensively because even if you're doing everything right, other drivers can cause an accident.
Residents of Utah who are seeking low-cost auto insurance should not focus solely on price. You should also look for an insurer with a good reputation for customer service. After a car accident, the last thing you want is a lengthy and tedious claims process.
Car Insurance Companies | |
---|---|
State Farm | Farmers |
Auto Owners | Progressive |
Farm Bureau | All-State |
American Family | USAA |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
Way.com’s Insurance Broker Quote Data
Bear River had the best average price for minimal coverage in Utah, at $637 per year. Progressive also offers low rates to drivers who have had a traffic ticket or an accident on their record.
In Utah, a minimum-coverage policy costs $78 per month, while a full-coverage policy costs $155 per month.
Utah is the 18th cheapest state for vehicle insurance, with an average annual premium of $1,712 for full coverage.
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