Cheapest Car Insurance In Provo, UT 2024
Farmers Union Insurance offers the most affordable option in Provo, with an average rate of $40 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Provo, UT, the choices can vary significantly.
For those interested in the most economical liability-only coverage, Farmers Union Insurance is the top choice. Meanwhile, drivers seeking comprehensive protection will find that Nationwide provides the best rates for full coverage policies. Clearcover offers the lowest rates for young drivers.
Cheapest Car Insurance Companies In Provo, UT 2024
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Cheapest Full Coverage Car Insurance In Provo: Nationwide
Nationwide offers the most affordable car insurance rates for full coverage in Provo, with quotes averaging $70 per month.
Provider | Average Monthly Cost | Average Annual Cost |
GEICO | $80 | $960 |
Kemper | $150 | $1,800 |
Nationwide | $70 | $840 |
Farmers | $90 | $1,080 |
Progressive | $85 | $1,020 |
Full coverage car insurance combines comprehensive and collision coverages to provide extensive protection beyond basic legal requirements. Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage covers vehicle damages from accidents, regardless of fault.
Cheapest Minimum Coverage Car Insurance In Provo: Farmers Union Insurance
Farmers Union Insurance provides the lowest car insurance rates for minimum coverage in Provo, with an average monthly cost of $40.
Provider | Average Monthly Cost | Average Annual Cost |
Nationwide | $45 | $540 |
Progressive | $52 | $624 |
GEICO | $48 | $576 |
Farmers Union Insurance | $40 | $480 |
Auto-Owners Insurance Co | $50 | $600 |
Having minimum car insurance offers basic protection while driving, but it does not include collision or comprehensive coverage. This means your own vehicle won’t be covered for damages in accidents, theft, or natural disasters.
Cheapest Car Insurance In Provo For Seniors: USAA
USAA offers the lowest car insurance rates for seniors in Provo, with average quotes averaging $75 per month.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners Insurance Co | $120 | $1,440 |
Safeco | $110 | $1,320 |
Liberty Mutual | $130 | $1,560 |
USAA | $75 | $900 |
Nationwide | $115 | $1,380 |
In Utah, many seniors may benefit from advantageous car insurance rates due to several favorable factors. While age is often considered in determining insurance rates, not all older individuals experience decreased driving ability as a stereotype might suggest.
Cheapest Car Insurance In Provo For Young Adults: Clearcover
Clearcover provides the most affordable quotes for young adults in Provo, with rates around $80 per month.
Provider | Average Monthly Cost | Average Annual Cost |
USAA | $100 | $1,200 |
Nationwide | $160 | $1,920 |
Clearcover | $80 | $960 |
ACCC Insurance Company | $170 | $2,040 |
Farm Bureau Mutual (IA Group) | $150 | $1,800 |
In Utah, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of more mature driving habits and a decrease in risk-taking behaviors as drivers mature. Statistically, young adults are less likely to file insurance claims, which reflects their improved safety records and reduced involvement in accidents. As a result, insurers typically lower premiums for these more experienced drivers, acknowledging their decreased likelihood of filing claims.
Cheapest Auto Insurance Rates In Provo For Teenagers: USAA
Teenage drivers in Provo can secure the most affordable quotes from USAA, with average monthly premiums of $180.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners Insurance Co | $410 | $4,920 |
Farm Bureau Mutual (IA Group) | $270 | $3,240 |
State Farm | $440 | $5,280 |
Allstate | $435 | $5,220 |
USAA | $180 | $2,160 |
Teenage drivers typically encounter the highest car insurance premiums due to their lack of experience behind the wheel. Insurance providers classify these young motorists as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic infractions.
Cheapest Car Insurance Companies In Provo For Drivers With Prior Incidents
In Provo, drivers with records of traffic violations such as accidents, speeding tickets, or DUIs often struggle to find affordable car insurance. These infractions categorize them as high-risk drivers, indicating a higher likelihood of filing future insurance claims. As a result, insurance providers increase their rates for these individuals to offset the potential risk of higher claim payouts.
Cheapest Car Insurance In Provo After A Speeding Ticket: Nationwide
Nationwide offers very competitive rates in Provo, averaging around $75 per month, which is considered affordable compared to other insurance companies.
Provider | Average Monthly Cost | Average Annual Cost |
GEICO | $85 | $1,020 |
Nationwide | $75 | $900 |
American Family | $110 | $1,320 |
State Farm | $100 | $1,200 |
Allstate | $105 | $1,260 |
Cheapest Car Insurance In Provo After At-Fault Accident: American Family
American Family provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging about $90 per month.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $110 | $1,320 |
GEICO | $130 | $1,560 |
Allstate | $120 | $1,440 |
American Family | $90 | $1,092 |
Nationwide | $115 | $1,380 |
Cheapest Car Insurance In Provo For Drivers After A DUI: Progressive
Progressive offers the lowest rates for drivers with a DUI in Provo, with average monthly premiums of $100.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $105 | $1,260 |
Farmers | $120 | $1,440 |
American Family | $110 | $1,320 |
Allstate | $130 | $1,560 |
Progressive | $100 | $1,200 |
Cheapest Car Insurance In Provo For Good Drivers: GEICO
Good drivers in Provo can secure the most affordable car insurance quotes from GEICO, with rates averaging around $90 per month.
Provider | Average Monthly Cost | Average Annual Cost |
USAA | $95 | $1,140 |
State Farm | $105 | $1,260 |
GEICO | $90 | $1,080 |
Auto-Owners Insurance | $112 | $1,344 |
Nationwide | $100 | $1,200 |
Drivers with clean driving records in Provo generally receive lower car insurance rates because they are considered lower risk. Insurance companies use driving records to assess how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim. Insurance rates are based on the likelihood of a driver making a claim, so a spotless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the driving record, the lower the perceived risk, and therefore, the lower the insurance cost.
Best Car Insurance Companies In Provo
For drivers in Provo, selecting the right car insurance company involves both finding affordable rates and ensuring dependable coverage on the road. Listed below are the top 10 car insurance companies in Provo, UT, ranked by their average monthly rates.
Company | Monthly Premium |
Bear River | $75 |
Esurance | $90 |
ACCC Insurance Company | $130 |
Clearcover | $70 |
Safeco | $110 |
USAA | $75 |
State Farm | $150 |
Nationwide | $140 |
Farm Bureau Mutual (IA Group) | $125 |
Auto-Owners Insurance Co | $145 |
Average Cost Of Car Insurance In Provo – By Age
Age | Average Yearly Rate |
Teenagers | $3,240 |
20s | $1,620 |
30s | $1,380 |
40s | $1,080 |
50s | $1,200 |
60s | $1,140 |
70s | $1,200 |
Age plays a crucial role in determining car insurance rates. Generally, younger drivers, especially teens and young adults, face higher premiums due to their lack of experience and higher statistical likelihood of accidents and traffic violations. As drivers reach age 25, their rates typically begin to decrease, assuming they maintain a clean driving record. The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age to assess driving experience and risk potential, which directly impacts the cost of premiums.
How Much Is Car Insurance In Other Cities in Utah?
City | Average Monthly Rate |
Clearfield | $130 |
Bountiful | $125 |
Layton | $135 |
Cedar City | $100 |
Ogden | $115 |
Hildale | $120 |
Saint George | $95 |
Logan | $112 |
Salt Lake City | $140 |
Orem | $123 |
The city where you live significantly affects your car insurance rates. Insurance companies evaluate various factors specific to your location, including the likelihood of accidents, vehicle theft rates, and incidents of vandalism. These risks are generally higher in urban areas, which often results in higher insurance premiums to compensate for the increased likelihood of claims.
Average Cost Of Car Insurance In Provo – By Vehicle
Vehicle | Average Monthly Rate |
2006 Nissan Sentra | $115 |
2015 Volkswagen Jetta | $235 |
2014 Toyota Prius C | $145 |
2008 Dodge Grand Caravan | $65 |
The type of vehicle you own significantly influences your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car when determining premiums. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates. On the other hand, older cars or those that are less expensive to repair or replace often attract lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety features may qualify for lower insurance rates due to their reduced risk of accidents and injuries.
Our Methodology
Drawing from a thorough analysis that includes customer service ratings, product options, pricing details, and evaluations from various online review sites and user experiences, I've developed a detailed understanding of the car insurance landscape in Provo, UT.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Provo?
Farmers Union Insurance offers the lowest car insurance rates in Provo for the minimum coverage required by the State of Utah, while Nationwide provides the most competitive rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Provo?
The average cost of car insurance in Provo is approximately $126 per month. However, it’s important to note that rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant factors.