GEICO offers the lowest car insurance rates in Provo, with average annual premiums of $671 for minimum coverage and $1,248 for full coverage. Auto-Owners, Farmers and Progressive also provide affordable coverage in the city.
Car Insurance in Provo
Updated: August 2, 2025
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Key Takeaways
Provo's cheapest car insurance companies are GEICO, Auto-Owners and Farmers, with savings up to 34% compared to the city average.
Monthly car insurance costs in Provo average $149 for full coverage and $82 for minimum coverage.
To find the best cheap auto insurance in Provo, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Provo?
| GEICO | $56 | $104 | -34% |
| Auto-Owners | $66 | $112 | -26% |
| Farmers | $70 | $133 | -16% |
| Progressive | $92 | $127 | -9% |
| Nationwide | $83 | $137 | -9% |
Cheapest Provo Car Insurance by Category
GEICO offers the cheapest rates for six driver types in Provo. Auto-Owners wins for old cars, Kemper leads for drivers with bad credit, and Progressive provides the lowest rates for those with a DUI.
| Young Drivers | GEICO | $169 |
| Adult Drivers | GEICO | $56 |
| Senior Drivers | GEICO | $84 |
| Drivers With an Accident | GEICO | $94 |
| Drivers With a DUI | Progressive | $106 |
| Drivers With a Speeding Ticket | GEICO | $70 |
| Drivers With Bad Credit | Kemper | $87 |
| Drivers With Newer Cars | GEICO | $54 |
| Drivers With Old Cars | Auto-Owners | $44 |
Compare the Cheapest Provo Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance, with rates varying by thousands between companies. Check the table below to find insurers offering the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $56 | $671 | -35% |
| Auto Owners | $66 | $795 | -23% |
| Farmers | $70 | $837 | -19% |
| Nationwide | $83 | $996 | -4% |
| Kemper | $85 | $1,016 | -2% |
Best Car Insurance Companies in Provo
The best car insurance companies in Provo are Auto-Owners, GEICO, Farmers, Progressive and Nationwide. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 95 | 2 | 1 | 5 |
| GEICO | 93 | 1 | 5 | 6 |
| Farmers | 91 | 3 | 8 | 1 |
| Progressive | 90 | 4 | 2 | 2 |
| Nationwide | 87 | 5 | 6 | 4 |
Auto-Owners: Best Customer Service
pros
Exceptional customer satisfaction ratings
Local agent support
Quick claims processing
cons
Limited online tools
Fewer coverage options
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Provo thanks to top customer service ratings and competitive rates. The company offers full coverage at $112 monthly and minimum coverage at $66 monthly. Local agents provide personalized service, making Auto-Owners particularly good for drivers who prefer working with an agent. The company also offers the lowest rates for drivers with older vehicles.
GEICO: Most Affordable Coverage
pros
Lowest rates in Provo
Many driver discounts available
Strong digital tools
cons
No local agents
Average customer service scores
COMPANY HIGHLIGHTS
GEICO offers Provo's most affordable car insurance with minimum coverage starting at $56 monthly and full coverage at $104 monthly. The company ranks first in affordability and serves the most driver categories, including young drivers, seniors, and those with speeding tickets. GEICO's user-friendly app and online tools make policy management simple, though customers seeking in-person service may prefer other options.
How Much Is Car Insurance in Provo?
Car insurance in Provo costs $149 monthly for full coverage and $82 monthly for minimum coverage on average. These rates place Provo higher than many Utah cities, with full coverage costing about $1,784 annually and minimum coverage running $989 per year.
| Full Coverage | $149 | $1,784 |
| Minimum Coverage | $82 | $989 |
Provo Car Insurance Cost by Category
In Provo, monthly coverage costs vary from $71 to $397 depending on the driver category. Check the table below to see rates for your category.
| Young Drivers | $219 | $397 |
| Adult Drivers | $82 | $149 |
| Senior Drivers | $117 | $198 |
| Drivers With an Accident | $119 | $219 |
| Drivers With a DUI | $122 | $222 |
| Drivers With a Speeding Ticket | $97 | $178 |
| Drivers With Bad Credit | $150 | $303 |
| Drivers With Newer Cars | $95 | $172 |
| Drivers With Old Cars | $71 | $128 |
Provo Car Insurance Costs by ZIP Code
In Provo, car insurance rates by ZIP code range from $73 to $92 per month. ZIP code 84606 is the most expensive, while 84602 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:84601
| 84601 | $92 | $156 |
Compare Personalized Provo Car Insurance Costs
Since your profile may differ from basic rate averages, use the table below to filter Provo car insurance costs by your age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
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Driving Record:Clean
| $83 | $993 | 21% |
How to Get the Best Cheap Provo Car Insurance
With car insurance rates in Provo running higher than many drivers expect, finding affordable coverage requires knowing exactly which steps to take to secure the best rates and discounts available to you.
- 1
Know your coverage requirements
Start by understanding exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to determine the right amount based on your car's value and personal assets. Consider factors like your car's age, your driving habits, and whether you have a loan that requires full coverage.
- 2
Explore different insurance types
Learn about various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage for occasional driving.
- 3
Check local price ranges
Research average vehicle insurance costs in Provo to set realistic expectations. Knowing the typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying. Compare these benchmarks to quotes you receive.
- 4
Stack up available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts, and defensive driving course completion rewards.
- 5
Research company reliability
Check customer reviews and financial strength ratings for insurance companies serving Provo. Look for insurers with strong claims-handling reputations and good customer service scores. A slightly higher premium from a reliable company often provides better value than the absolute cheapest option.
- 6
Get and compare multiple quotes
Request quotes from at least three different insurance companies. Use both online tools and local agents to ensure you're getting the best rates. Keep your coverage levels identical when comparing quotes to make a fair comparison between providers.
- 7
Review coverage annually
Mark your calendar to review your policy each year before renewal. Your circumstances and insurance needs may change, and new discounts could become available. Insurance companies often adjust their rates, so shopping around annually helps ensure you maintain the best rates.
Cheapest Car Insurance in Provo: Bottom Line
Car insurance rates in Provo depend on your age, driving record and coverage needs. GEICO and Auto-Owners offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Provo Car Insurance: FAQ
We've researched cheap car insurance options in Provo to bring you clear answers about coverage and costs. Our FAQ section helps you find affordable policies that match your needs, backed by MoneyGeek's detailed analysis of local insurance providers.
What is the cheapest car insurance company in Provo, Utah?
GEICO offers the lowest rates in Provo, with average annual premiums of $671 for minimum coverage and $1,248 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Provo?
Auto-Owners offers Provo's best car insurance with a MoneyGeek score of 95 out of 100, scoring 2 points higher than GEICO. The company excels in both affordability and customer service.
What is the average cost of car insurance in Provo?
In Provo, drivers pay $1,784 for full coverage and $989 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Provo expensive?
Car insurance in Provo costs more than average, ranking 253rd for minimum coverage affordability and 169th for full coverage compared to all other Utah cities.
How We Chose the Best and Cheapest Car Insurance in Provo, UT
To help Provo drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Utah Insurance Department and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Utah to tailor options as closely as possible to you.
Provo Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Provo
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Utah are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.