Cheapest Car Insurance in Provo (2026)

GEICO charges Provo's lowest minimum coverage at $56 monthly or $671 annually, while also providing the most affordable full coverage at $104 per month. These premiums apply to drivers with clean records. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Utah's statewide averages sit at $66 for minimum coverage and $127 monthly for full coverage, but Provo residents pay higher costs at $82 and $149 respectively. Despite being above state averages, Provo's rates benefit from several local advantages. 

The city experiences milder winter conditions than many Utah areas, reducing weather-related claims throughout the year. Vehicle theft rates also stay below the state average, which helps keep premiums manageable. 

Also, Provo's local regulations promote safer driving habits, contributing to fewer accidents overall. These factors work together to keep costs reasonable for an urban area.

Read More: The cheapest car insurance in Utah

Car insurance costs in Provo differ by age, with young drivers paying the highest average rates at $345 per month. Adult drivers average $123 per month, while seniors pay about $167 across the top five insurers. Higher costs for young drivers reflect limited driving history and higher accident risk.

Cheapest Provo car insurance by age:

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

As drivers gain experience, age has less impact on pricing. The small gap between adult and senior rates shows insurers price experienced drivers similarly, whether they are in midlife or retirement age.

Drivers ages 16 to 25 carry the highest car insurance costs in Provo. Limited driving history and higher accident frequency push monthly premiums well above other age groups. Auto-Owners offers the lowest full coverage for young drivers at $311 per month, or $3,726 per year, though rates remain elevated across all insurers.

Among Provo’s five largest insurers, young drivers average $345 per month compared to $123 for adult drivers. Choosing Auto-Owners instead of Allstate, which averages $386 per month, lowers costs by about $75 each month.

Including young drivers on a family policy costs less than buying a separate policy, but premiums stay high until drivers reach age 25.

Note: Teen drivers must meet state licensing rules and may be subject to added restrictions. Parents should confirm coverage details directly with their insurer.

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.