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

Provo's car insurance costs vary across age groups, with young drivers paying the highest premiums at $345 monthly on average. Adult drivers pay $123 monthly while seniors pay $167 monthly across the top five insurers. Young drivers pay nearly triple adult rates due to their limited driving experience and higher accident rates.

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

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers aged 16 to 25 pay the highest car insurance costs in Provo, with inexperience and higher accident rates driving up premiums. Auto-Owners provides the cheapest full coverage at $311 monthly, or $3,726 annually, but insurers still charge these drivers much more due to frequent traffic violations and limited driving history. 

Across Provo’s top five insurers, young drivers average $345 monthly compared to $123 for adults, making youth premiums more than double what experienced drivers pay. They save $75 monthly by choosing Auto-Owners over Allstate at $386 monthly. 

Adding young drivers to family policies beats separate coverage costs, but expect high rates until age 25.

Note: Teen drivers must meet state licensing requirements and may have additional restrictions. Parents should verify coverage adequacy with their insurance provider.

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.

By choosing GEICO over Farmers at $182 monthly, seniors save $37 each month. Complete defensive driving courses or keep annual mileage under 7,500 miles to unlock additional discounts for even greater savings.

Drivers between 26 and 64 benefit from Provo's most competitive insurance rates because they blend extensive driving experience with lower accident involvement than younger and older drivers. GEICO leads the market at $104 monthly or $1,248 annually for full coverage, while this age group averages $123 monthly across the city's five most affordable insurers. 

Adults consistently get the lowest rates of any age category in Provo. Comparing quotes helps since adults save $33 monthly by choosing GEICO over Nationwide's $137 monthly rate, the fifth cheapest option. Maintain a clean driving record and bundle policies to push your premiums even lower.

Traffic violations increase car insurance costs in Provo, with rates climbing from clean driving records. GEICO leads with the cheapest minimum liability coverage at $56 monthly for drivers with clean records and maintains competitive rates at $70 monthly for those with speeding tickets, while Kemper offers the most affordable option for DUI violations at $91 monthly. 

When you look at average costs across the five cheapest insurers, the financial impact becomes clear: rates jump from $72 for clean records to $88 for speeding tickets, $113 for at-fault accidents and $108 for DUIs.

At-fault accidents trigger the largest premium increases because you've demonstrated actual property damage or injury involvement, making insurers view you as a proven risk. DUIs generate major rate hikes by combining reckless behavior with serious legal consequences, often requiring SR-22 filing and placing you in the highest-risk category. 

Speeding tickets create more modest bumps since they signal dangerous driving habits without proving you've caused crashes.

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.