Get free quote in-app

(400K+)

Our Insurance Partners

nationwide
travellers
mapfre
safeco
kemper
national-general
foremost
dairyland
pronto
bristolwest
hippo
assuranceameric
anchor
still-water
bridger
alinsco
commonwealth
suncoast
aspire

Car Insurance for Provo, Utah

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.

How Much Does Car Insurance Cost in Provo?

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

Provo Auto Insurance Rates by Company

There is a visible difference in auto insurance rates in Provo. Bear River offers the lowest price and minimum liability to insurers at $637.

Insurance Company Annual Rate
Bear River $637
Iowa Farm Bureau $1220
AAA $1267
Progressive $1491

See what you could save on auto insurance

Provo Auto Insurance Premium Rates by Age Group

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

Provo Auto Insurance Premium Rates by Marital Status

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

Provo Auto Insurance Premium Rates by Gender

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

Provo Auto Insurance Premium Rates by Driving Records

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

Provo Auto Insurance Premium Rates by Credit Score

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

Provo Auto Insurance Premium Rates by Zip Code

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

What would increase the car insurance in Provo?

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.

See what you could save on auto insurance

Useful Information for Driving in Provo

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.

Car Insurance Companies in Provo

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.

Auto Insurance Data Methodology

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

FAQ

What is the best car insurance rate in Utah?

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.

What is the monthly cost of car insurance in Utah?

In Utah, a minimum-coverage policy costs $78 per month, while a full-coverage policy costs $155 per month.

Why is vehicle insurance in Utah so expensive?

Utah is the 18th cheapest state for vehicle insurance, with an average annual premium of $1,712 for full coverage.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!

or