Cheapest and Best Car Insurance Companies in Provo, UT

The best car insurance provider for you will depend on various factors, including your needs and driver profile. Nationwide is the ideal option for full and minimum coverage insurance, teens on a family policy and drivers with a speeding ticket. American Family offers the best rates after an at-fault accident and Progressive after a DUI record. If you are looking for the best service or cheapest rates, Auto-Owners Insurance will be the right option. USAA will suit military members and veterans the most.

The following insurance providers offer the cheapest minimum coverage policies in Provo:

• Nationwide: $481 per year
• Auto-Owners Insurance: $492 per year

Kemper offers the most expensive policy at an average of $879 per year as of October 2022. The cheapest car insurance in Utah is Farmers Union Insurance, charging an average of $396 annually. However, the cheapest in Provo is Nationwide, illustrating how insurance vary based on your location.

Minimum coverage insurance in Utah requires bodily injury liability coverage, property damage liability and personal injury protection with the following limits:

• $25,000 bodily injury liability per person
• $65,000 bodily injury liability per accident
• $15,000 property damage liability per accident
• $3,000 personal injury protection

In case of an accident, the policy’s liability coverage will pay the medical bills of each passenger up to $25,000. The maximum compensation for all injured passengers is $65,000, so anything over that amount is your responsibility.

MoneyGeek found that the following insurance companies offer the cheapest full coverage policies in Provo:

• Nationwide: $788 per year
• Auto-Owners Insurance: $859 per year

Kemper charges the highest rates for full coverage car insurance, at an average of $1,772 as of October 2022. Nationwide also offers the most affordable full coverage car insurance in Utah, but its state average cost is slightly lower than Provo’s, at $725 per year.

A full coverage includes comprehensive and collision insurance.

• Collision Insurance: Covers your vehicle’s repair or replacement costs if you damage it in an at-fault accident.
• Comprehensive Insurance: Covers the vehicle repair or replacement cost in case of damage in a non-accident incident like theft, vandalism or natural weather events.

Avoid purchasing full coverage if you have an older vehicle if the policy’s cost exceeds your vehicle’s value.

The following insurance companies offer drivers with violations on their records the cheapest rates:

• Speeding ticket: Nationwide ($929 per year)
• At-fault accident: American Family ($995 per year)
• DUI: Progressive ($1,119 per year)

Kemper has the highest rates for drivers with a speeding ticket at $2,171 per year and those with an at-fault accident at $2,557 per year. For drivers with a DUI on their record, Auto-Owners Insurance charges $2,451 per year.

Violations on your record can significantly increase your premiums, which means even the cheapest rates will be higher than the rates a driver with a clean record pays.

The more severe the violation, the higher your insurance rate increases. For example, insurers charge an average of $1,261 more per year after a speeding ticket but $1,694 more per year after a DUI. You can still shop around to find the cheapest car insurance for drivers with a poor driving record.

The following companies are the most affordable options for teens on a family policy in Provo:

• Nationwide: $1,403 per year for female teens and $1,574 per year for male teens
• Allstate: $2,249 per year for female teens and $2,364 per year for male teens

Kemper is the most expensive option, as it charges an average of $9,667 per year to insure female teens and $11,128 per year to insure male teens.

The rates for insuring male drivers are higher because of increased risk. However, rates are usually equal for both genders by early adulthood.

Teen drivers will pay significantly higher rates if they opt for an individual policy instead of being on their parent’s policy. Our research shows that buying a separate policy costs $3,278 more than adding a teen to a family policy. Compare rates to find insurers offering the cheapest car insurance for teens.

Drivers with a military background will find the cheapest rates with the following insurance providers:

• USAA: $638 per year
• Nationwide: $788 per year

USAA also offers the cheapest minimum coverage at an average cost of $337 per year, making it the best option for cheap military car insurance. The second-best option is Farmers Union Insurance, charging an average of $414 annually.

Getting insurance quotes online can take 15 minutes or longer per company and requires entering a lot of personal information. MoneyGeek’s insurance calculator gives you a quick idea of rates when you enter your vehicle type, age, coverage level and driving history.

The best car insurance provider for you will entirely depend on how much you value cost, coverage, customer service and other factors. MoneyGeek analyzed the following best insurers for car insurance in Provo:

• Best Overall: Auto-Owners Insurance (MoneyGeek score of 79 out of 100)
• Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
• Best cheap: Auto-Owners Insurance (MoneyGeek score of 78 out of 100)

The insurer’s overall MoneyGeek score can change based on how factors are weighted differently in each category. Auto-Owners Insurance also offers the best car insurance in Utah. With a MoneyGeek score of 85 out of 100, USAA car insurance is ideal for military members or veterans.

Based on MoneyGeek’s analysis, the following companies offer the best car insurance in Provo:

• Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($859 per year)
• American Family: MoneyGeek score of 74 out of 100 ($995 per year)

Auto-Owners Insurance ranked the highest for claims management and the second highest for affordability. Active-duty soldiers and veterans will find the best rates with USAA car insurance, which received a MoneyGeek score of 85 out of 100.

Regardless of the policy cost, the following car insurance companies offer the best customer service in Provo:

• Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($859 per year)
• American Family: MoneyGeek score of 63 out of 100 ($995 per year)

Auto-Owners Insurance has the highest claims management score and ranks second for affordability. Its scores show that although the insurer offers excellent customer service, it doesn’t charge expensive rates.

MoneyGeek analyzed the policy cost and service quality of many insurance providers offering minimum coverage in Provo and found the following are the best options:

• Auto-Owners Insurance: MoneyGeek score of 78 out of 100 ($492 per year)
• Nationwide: MoneyGeek score of 71 out of 100 ($481 per year)

Although minimum insurance costs the least, it doesn’t provide enough protection against liability costs and won’t compensate you in case of damage to your vehicle.

As of October 2022, the average cost of car insurance for a full coverage policy in Provo is $1,028 per year, $25 less than Utah’s average annual car insurance cost and $237 less than the national average. These cost variations illustrate how a policyholder’s location affects rates.

The rates mentioned here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.