Cheapest Car Insurance in Provo (2026)

GEICO charges Provo's lowest minimum coverage at $56 monthly or $671 annually and also beats everyone on full coverage at $104 per month. These rates assume a clean driving record. Your age and driving history determine which insurer quotes you the lowest premium, so compare rates from several companies to find your best price.

Utah drivers pay $66 monthly for minimum coverage and $127 for full coverage on average. Provo costs more at $82 and $149 per month. But the city has some things working in its favor.
Provo gets milder winters than most of Utah, so fewer weather-related claims happen here. 

Car theft rates run lower than the state average too, which helps keep your premiums down. Provo's local rules encourage safer driving, and that means fewer crashes. For an urban area, these rates aren't bad.

Read More: The cheapest car insurance in Utah

In Provo, car insurance prices shift noticeably by age. Younger drivers carry the highest averages at about $345 per month, while adult drivers pay closer to $123. Seniors fall in between, with average rates around $167 among the five largest insurers. Higher prices for younger drivers usually come from shorter driving histories and a greater chance of claims.

Cheapest Provo car insurance by age:

• Young drivers: Auto-Owners at about $311 per month
• Adult drivers: GEICO at about $104 per month
• Senior drivers: GEICO at about $145 per month

As drivers build experience over time, age matters less in pricing. The narrow difference between adult and senior rates shows insurers tend to group experienced drivers together, regardless of whether they are working full time or already retired.

Young drivers ages 16 to 25 pay the most for car insurance in Provo. Insurers charge more because new drivers crash more often and lack experience behind the wheel. Auto-Owners beats the competition at $311 monthly for full coverage or $3,726 yearly. Still expensive? Yes. But it's the best you'll find.

Compare that to the average among Provo's five biggest insurers: young drivers pay $345 per month while adults pay $123. Pick Auto-Owners over Allstate (which runs $386 monthly) and you'll save about $75 every month.

Add your teen to your family policy instead of getting them their own. You'll pay less, though rates won't drop much until they turn 25.

Note: Teen drivers must meet state licensing rules and may have extra restrictions. Check coverage details with your insurer before adding them.

Provo seniors benefit from decades of driving experience and clean driving records, helping them get competitive rates with GEICO offering the lowest at $145 monthly or $1,734 annually for full coverage. While most insurers view experienced drivers favorably, some bump up premiums slightly for those over 70 due to reaction time concerns. 

Across the five most affordable options, Provo's seniors average $167 monthly, which is just $44 above the $123 that younger adults pay.

Choosing GEICO instead of Farmers, which averages $182 per month, cuts senior premiums by about $37 each month. Completing a defensive driving course or keeping yearly mileage under 7,500 miles can lower costs further through added discounts.

Drivers ages 26 to 64 see the lowest insurance costs in Provo, supported by longer driving history and fewer claims than other age groups. GEICO offers the lowest full coverage rate at $104 per month, or $1,248 per year. Across the city’s five lowest-priced insurers, this age group averages $123 per month.

Adults pay less than any other age group in Provo. Choosing GEICO instead of Nationwide, which averages $137 per month, keeps about $33 in savings each month. A clean driving record and bundled policies can reduce costs further.

Traffic violations raise car insurance costs in Provo, even when the offense is minor. GEICO posts the lowest minimum liability rate for drivers with clean records at $56 per month and remains competitively priced at $70 per month for those with speeding tickets. For DUI convictions, Kemper offers the lowest average rate at $91 per month.

Looking across Provo’s five lowest-cost insurers, average monthly rates rise from $72 for clean records to $88 for speeding tickets, $113 for at-fault accidents and $108 for DUIs.

At-fault accidents lead to the highest increases because insurers account for confirmed property damage or injuries. DUI violations also push rates higher due to the added legal and safety risk, often involving SR-22 requirements. Speeding tickets cause smaller increases since they reflect risky behavior without confirmed accident involvement.

The cheapest ZIP code in Provo is 84602 at just $73 monthly, while the most expensive is 84606 at $157 per month. See your ZIP code's rate in the table below.

Provo's most populous areas are ZIP codes 84604, 84601 and 84606, where drivers pay $141, $156 and $157 monthly for minimum coverage. 

These differences stem from neighborhood factors like population density, accident frequency, vehicle theft rates and uninsured driver concentrations. Use the filter above the table to locate your ZIP and check your area's average rate.

Smart shopping for car insurance in Provo means getting competitive rates without sacrificing the protection you need.

Want to find affordable coverage in Provo? This FAQ offers clear answers about available discounts, state regulations and coverage types to help you find coverage that works for your budget.

Provo drivers pay some of Utah's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Provo's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.