Car Insurance in Provo

GEICO delivers the most affordable rates for most Provo drivers. Young drivers pay $2,026 annually with GEICO, while adult drivers with clean records pay just $671 per year.

Senior drivers see rates of $1,002 per year from GEICO, about 49% higher than adult premiums. Drivers with a speeding ticket pay $841 annually with GEICO, and those with an at-fault accident face rates of $1,133 per year.

Home to Brigham Young University, Provo experiences unique traffic patterns with student population fluctuations between semesters. The city's location between mountain canyons and Utah Lake creates weather-related driving challenges, from winter inversions reducing visibility to sudden snowstorms in Provo Canyon.

GEICO leads the Provo market with minimum coverage at $671 yearly, undercutting the city's $989 average by 34%. Full coverage through GEICO costs $1,248 annually compared to Provo's $1,784 average.

Auto-Owners ranks second with full coverage at $1,345 per year. Both insurers provide reliable service alongside competitive pricing for Provo residents.

Utah's no-fault insurance system requires personal injury protection, but Provo's rates remain reasonable compared to other no-fault states. The city's relatively low crime rates and strong community engagement contribute to fewer fraudulent claims, helping keep premiums down.

Young drivers pay the highest premiums in Provo, with rates three times higher than adults. GEICO offers young drivers coverage for $2,026 per year.

Adult drivers pay $671 annually with GEICO, saving $1,355 compared to young drivers. Senior drivers get their best rate from GEICO at $1,002 per year, 49% more than adult premiums.

BYU's nearly 35,000 students significantly impact Provo's insurance landscape, with young drivers navigating campus areas like University Avenue and Campus Drive. Established residents who avoid the university district during peak hours benefit from lower accident exposure and reduced premiums.

Maintaining a spotless record in Provo earns you GEICO's $671 annual rate. A speeding ticket raises your premium to $841 annually with GEICO, a 25% increase.

An at-fault accident pushes costs to $1,133 per year with GEICO, while a DUI results in rates of $1,277 annually with Progressive. Violations can nearly double your insurance costs in Provo.

Utah Highway Patrol actively enforces speed limits on I-15 through Provo, where traffic often exceeds posted limits despite frequent enforcement. Utah County's strict DUI prosecution, combined with the state's lower blood alcohol threshold of 0.05%, makes impaired driving particularly costly for insurance purposes.

Auto-Owners leads Provo with an overall score of 95.14 out of 100. The company combines competitive pricing with exceptional customer service and reliable claims processing.

GEICO follows with a score of 92.94, offering excellent value for budget-conscious drivers. Both companies maintain strong financial ratings and low complaint ratios with Utah regulators.

Car insurance in Provo costs an average of $82 per month for minimum coverage and $149 per month for full coverage. These rates sit near Utah's state average, reflecting the city's moderate risk profile.

GEICO's minimum coverage rate of $56 monthly demonstrates the savings available through comparison shopping. Your individual premium depends on your driving record, age and the coverage level you choose.

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.

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