Car Insurance in Provo

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.

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.

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.

The best companies in Provo are Auto-Owners, GEICO, Farmers, Progressive and Nationwide. These providers have competitive rates, quality customer service and comprehensive coverage options.

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.

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.

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.

Since your profile differs from basic rate averages, use the table below to filter Provo car insurance costs by your age, driving record and other key factors.

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.

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.

Finding affordable car insurance in Provo means comparing real rates across different driver situations, not just looking at advertised prices. We analyzed hundreds of thousands of quotes from 12 insurance companies operating in Utah, focusing specifically on how rates vary across all Provo ZIP codes. This approach reveals which insurers actually deliver the lowest rates for drivers like you—whether you're 25 with a clean record or 55 with a speeding ticket.

Sample Driver Profile

We used a baseline 40-year-old male driver with a 2012 Toyota Camry LE to establish rate comparisons. This profile includes:

• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Why this matters: Starting with a neutral profile lets us isolate how specific factors, your age, driving record, credit score or military service, affect your rates. We then adjusted these variables to identify the best insurers for each driver category.

Coverage Levels

Utah's minimum liability requirements are $30,000/$60,000/$25,000 (bodily injury per person/per accident, property damage per accident). We compared rates at both this minimum level and at full coverage.

**Full coverage in