Cheapest and Best Car Insurance in Provo, UT (August 2024)


fact checked icon

Updated: October 3, 2024

Advertising & Editorial Disclosure

In Provo, Utah, the cheapest insurance may vary by coverage and driver traits. Nationwide is the most affordable full coverage insurance and the cheapest for families with teens, whereas Farmers Union Insurance is the cheapest for minimum coverage. The best-rated company for customer service and overall value is Auto-Owners Insurance Co, indicating top performance in both service and pricing.

MoneyGeek Logo IconCheapest & BestCar InsuranceProvo
2024

Cheapest and Best Car Insurance in Provo

Why Trust MoneyGeek? We analyzed 35,040 quotes from 12 companies in Utah, used six reliable sources and conducted original research to rate the cheapest companies and develop a scoring system for Provo insurance providers. Our scores are based on affordability, customer satisfaction, claims experience, policy coverage and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Provo, UT, as of August 2024.

35,040Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Coverage Car Insurance in Provo

MoneyGeek found that Farmers Union Insurance is the cheapest option for minimum coverage car insurance in Provo. Equipping yourself with the cheapest car insurance can be a smart financial move.

  • Farmers Union Insurance: $424 per year
  • Nationwide: $481 per year

State Farm offers the most expensive minimum coverage policy in Provo, with an annual premium of $1,229. The difference in annual rates between the cheapest and most expensive minimum coverage car insurance is $805, so compare car insurance rates to ensure you are getting the best deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Farmers Union InsuranceAnnual Premium$424Monthly Premium$35
NationwideAnnual Premium$481Monthly Premium$40
ProgressiveAnnual Premium$518Monthly Premium$43
GEICOAnnual Premium$556Monthly Premium$46
Auto-Owners Insurance CoAnnual Premium$665Monthly Premium$55
FarmersAnnual Premium$685Monthly Premium$57
American FamilyAnnual Premium$702Monthly Premium$58
Iowa Farm BureauAnnual Premium$770Monthly Premium$64
AllstateAnnual Premium$841Monthly Premium$70
KemperAnnual Premium$922Monthly Premium$77
State FarmAnnual Premium$1,229Monthly Premium$102

State Minimum Liability Requirements

Across Utah, state law dictates the minimum car insurance coverage required for drivers, and here’s what’s mandated:

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

If you have the minimum coverage insurance and are at fault in an accident that injures another driver, your insurer would cover up to $25,000 for that person's injuries. If their medical expenses surpass that amount, extra costs would be your responsibility. Similarly, if multiple people are injured, your insurance would only cover up to $65,000 for all injuries combined.

Cheapest Full Coverage Car Insurance in Provo

MoneyGeek determined that Nationwide offers the cheapest full coverage car insurance in Provo. By choosing Nationwide, car owners can enjoy significant savings on their premiums.

  • Nationwide: $788 per year
  • Farmers Union Insurance: $901 per year

State Farm holds the position for the most expensive full coverage policy in the city at $2,327 annually, which demonstrates the value of shopping around, as full coverage policies tend to be pricier due to the broader protection they offer. The substantial difference of $1,539 between the cheapest and most expensive options in Provo underscores the savings potential when comparing car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$788Monthly Premium$66
Farmers Union InsuranceAnnual Premium$901Monthly Premium$75
GEICOAnnual Premium$987Monthly Premium$82
American FamilyAnnual Premium$1,037Monthly Premium$86
ProgressiveAnnual Premium$1,058Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,137Monthly Premium$95
FarmersAnnual Premium$1,232Monthly Premium$103
Iowa Farm BureauAnnual Premium$1,392Monthly Premium$116
AllstateAnnual Premium$1,403Monthly Premium$117
KemperAnnual Premium$1,835Monthly Premium$153
State FarmAnnual Premium$2,327Monthly Premium$194

Do You Need Full Coverage in Utah?

When opting for a full coverage policy in Provo, the expanded liability limits offer enhanced protection

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage liability per accident

This type of coverage is also referred to as a 100/300/100 policy.

It also includes additional coverages beyond liability limits:

  • Collision Insurance: This portion provides financial support for repairs to your car in the event of a collision, whether it be with another car or an object like a fence or light post. It also covers rollover accidents and pothole damage.
  • Comprehensive Insurance: This component underwrites the cost of damage to your vehicle due to non-collision incidents, such as theft, vandalism, natural disasters or being struck by an animal.

Secure full coverage insurance for new vehicles to protect your financial assets in unforeseen incidents. With older models, the balance between cost and benefit must be weighed as additional premiums may not offer proportionate value. Determine how much car insurance you need, considering that higher coverage comes at a greater cost while lower costs could leave you inadequately insured.

Cheapest Car Insurance in Provo After a Driving Offense

MoneyGeek found that Nationwide is the most affordable option in Provo for drivers after a speeding ticket, while Progressive offers the lowest rates post-DUI. The cost differences between these coverages highlight the impact of various offenses on car insurance rates:

  • Speeding Ticket: Nationwide ($930 per year)
  • At-Fault Accident: American Family ($1,037 per year)
  • DUI: Progressive ($1,209 per year)

State Farm ranks as the most expensive provider after a speeding ticket, with a $2,568 annual rate, while Auto-Owners Insurance Co offers the most expensive rate post-DUI at $3,246 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
NationwideAnnual Premium$930Monthly Premium$78
Farmers Union InsuranceAnnual Premium$1,221Monthly Premium$102
American FamilyAnnual Premium$1,262Monthly Premium$105
GEICOAnnual Premium$1,297Monthly Premium$108
ProgressiveAnnual Premium$1,372Monthly Premium$114
Auto-Owners Insurance CoAnnual Premium$1,505Monthly Premium$125
FarmersAnnual Premium$1,628Monthly Premium$136
AllstateAnnual Premium$1,638Monthly Premium$137
Iowa Farm BureauAnnual Premium$1,682Monthly Premium$140
KemperAnnual Premium$2,248Monthly Premium$187
State FarmAnnual Premium$2,568Monthly Premium$214

In Provo, as in many cities, the severity of a driving offense significantly influences insurance rates, reflecting the increased risk and potential cost to insurers. For instance, drivers with a speeding ticket in Provo may face average annual premiums of $2,333, whereas those convicted of DUI can expect rates to soar to an average of $3,165. Drivers with offenses should diligently compare insurance rates to potentially save hundreds of dollars, as premiums can vary substantially based on individual circumstances and the insurer's risk assessment.

Cheapest Car Insurance in Provo for Teens and Their Families

MoneyGeek found that Nationwide offers the most affordable full coverage car insurance for teens in Provo. In finding the cheapest car insurance for teens, consider the following options:

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

These are rats for policies that cover a combination of two parents and a teenager. Kemper is listed as the most expensive option in Provo, with premiums of $9,667 per year for female teens and $11,128 for male teens. The price discrepancy between Nationwide and Kemper, which can amount to over $8,000, highlights the importance of comparing insurance quotes for higher-risk drivers like teenagers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,403Individual Plan Monthly Premium$3,429
AllstateFamily Plan Annual Premium$2,249Individual Plan Monthly Premium$6,359
FarmersFamily Plan Annual Premium$2,390Individual Plan Monthly Premium$7,779
ProgressiveFamily Plan Annual Premium$2,453Individual Plan Monthly Premium$9,267
State FarmFamily Plan Annual Premium$2,553Individual Plan Monthly Premium$3,896
GEICOFamily Plan Annual Premium$2,587Individual Plan Monthly Premium$10,519
Auto-Owners Insurance CoFamily Plan Annual Premium$2,752Individual Plan Monthly Premium$3,256
KemperFamily Plan Annual Premium$9,667Individual Plan Monthly Premium$12,145

Teen drivers face steep car insurance premiums due to their statistically higher risk of accidents, leading to more substantial claims. When purchasing an individual policy, the average annual premium for teens is approximately $7,805. In contrast, joining a family plan can significantly reduce that cost to an average of $3,635 annually. Teens may also struggle to secure individual policies, as providers are often reluctant to underwrite such high-risk policies without the balance of lower-risk drivers in a family plan. Therefore, for affordability and approval likelihood, it’s advantageous for teens to opt into a family car insurance plan.

Cheapest Car Insurance in Provo for Military Drivers

MoneyGeek identified that Nationwide offers the cheapest full coverage car insurance for military personnel:

  • Nationwide: $788 per year
  • USAA: $873 per year

USAA ranks as the second most affordable and is also known for providing services that are specifically tailored to active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$788Monthly Premium$66
USAAAnnual Premium$873Monthly Premium$73
Farmers Union InsuranceAnnual Premium$901Monthly Premium$75
GEICOAnnual Premium$987Monthly Premium$82
American FamilyAnnual Premium$1,037Monthly Premium$86
ProgressiveAnnual Premium$1,058Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,137Monthly Premium$95
FarmersAnnual Premium$1,232Monthly Premium$103
Iowa Farm BureauAnnual Premium$1,392Monthly Premium$116
AllstateAnnual Premium$1,403Monthly Premium$117
KemperAnnual Premium$1,835Monthly Premium$153
State FarmAnnual Premium$2,327Monthly Premium$194

How to Compare Cheap Provo Car Insurance Quotes Online

Searching for the best car insurance rates in Provo can lead to significant savings, although comparing rates from at least three providers could total over an hour of effort. However, MoneyGeek’s car insurance calculator streamlines the process. By inputting critical criteria such as your age, driving history, credit score and desired coverage level, you can swiftly receive a tailored rate estimate that accounts for the key factors influencing auto insurance costs in Provo.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Oct 11, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Provo: Overview

Choosing the right auto insurance provider involves weighing factors like service quality, cost and coverage. MoneyGeek used a specific scoring system to find the best insurance providers in Provo across different categories:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score 79 out of 100)
  • Best for service: Auto-Owners Insurance Co (MoneyGeek score 78 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score 80 out of 100)

Auto-Owners Insurance Co is the leading choice in Provo for delivering outstanding overall value, exceptional service quality and affordability. For drivers prioritizing savings, its offering is considered very affordable while maintaining substantial service quality. Those seeking the finest customer experience will also find its service-oriented focus unparalleled.

Overall Best Car Insurance in Provo

Auto-Owners Insurance Co is the best option in Provo according to MoneyGeek's best car insurance research data.

  • Auto-Owners Insurance Co: MoneyGeek score of 79 out of 100 ($1,137 per year)
  • American Family: MoneyGeek score of 79 out of 100 ($1,037 per year)

Auto-Owners Insurance Co claims the top spot with a MoneyGeek score of 79 for a full coverage policy, primarily attributed to its high ratings in customer satisfaction and claims handling. It provides stellar service and reliable claims support to its Provo customers.

Company logo for Auto-Owners Insurance
Best OverallAuto-Owners Insurance
MoneyGeek Score:
79/ of 100

Overview

Auto-Owners Insurance Co's high MoneyGeek Score is fueled by its satisfaction and affordability ratings. Drivers looking for the most common coverages won't be disappointed, as the company provides rental car and/or travel reimbursement, roadside assistance and gap insurance.

When it comes to coverages that offer added layers of protection, Auto-Owners Insurance Co is exemplary. Its personal automobile plus package provides additional insurance for your car. The diminished value coverage is also notable for newer cars, protecting you from value loss after an accident. Lastly, accident forgiveness can save you from rate increases after your first at-fault accident.

These coverages, coupled with high satisfaction (20 out of 35) and affordability (25 out of 30) scores, showcase the substantial benefits Auto-Owners Insurance Co provides to its policyholders.

Best Car Insurance in Provo for Customer Service

Focusing on customer service, MoneyGeek found that Auto-Owners Insurance Co is the best car insurance option in Provo. This determination is based on general satisfaction, claims handling and coverage options, regardless of the rates.

  • Auto-Owners Insurance Co: MoneyGeek score of 78 out of 100 ($1,137 per year)
  • American Family: MoneyGeek score of 76 out of 100 ($1,037 per year)

Auto-Owners Insurance Co excels with the highest claims satisfaction score, which is a significant component of the overall MoneyGeek score. Customers can expect exemplary service in the event of a claim, backed by a strong track record of stability from the company.

Company logo for Auto-Owners Insurance
Best for Customer ServiceAuto-Owners Insurance
MoneyGeek Score:
78/ of 100

Overview

Auto-Owners Insurance Co excels in this category with top-tier claims and coverage scores. The company equips drivers with both common coverages, rental car and/or travel reimbursement and roadside assistance, positioning it as a comprehensive option. It also offers reasonably common coverages like gap insurance and accident forgiveness.

With high satisfaction (26 out of 4) and claims (30 out of 30) scores, Auto-Owners Insurance Co stands out in customer service and claims handling. It offers diminished value coverage, providing value protection in case a vehicle's worth decreases after an accident. Additionally, its unique deductible modification feature waives the collision deductible in certain scenarios. These tailored options, coupled with the company's solid financial stability score (5 out of 5) validate its position as a reliable and customer-centric car insurance provider.

Best Cheap Car Insurance Companies in Provo

When it comes to affordable and reliable car insurance, Auto-Owners Insurance Co is the best option in Provo. Scoring high not only on affordability but also on customer satisfaction and claims handling, the company truly stands out in the industry.

  • Auto-Owners Insurance Co: MoneyGeek score of 80 out of 100 ($665 per year)
  • American Family: MoneyGeek score of 76 out of 100 ($702 per year)

Auto-Owners Insurance Co distinguishes itself as more than just an affordable option; it achieves excellence through a high customer satisfaction score and a perfect claims score. This performance reflects the company's commitment to providing robust services and support, packaged into a cost-effective minimum coverage policy. The score of 80 is a testament to the value that customers receive across various critical aspects of their car insurance experience.

Company logo for Auto-Owners Insurance
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
80/ of 100

Overview

Auto-Owners Insurance Co leads this category with standout claims and coverage scores, key drivers behind its overall MoneyGeek score. With an average annual premium of just $665, the average driver enjoys considerable value for minimum coverage.

Though specifics on discounts are not provided in the current dataset, Auto-Owners Insurance Co's reputation for affordable rates is consistent across its offerings. Customers benefit from a blend of budget-friendly premiums and robust coverage options.

Auto-Owners Insurance Co's affordability is supported by its MoneyGeek affordability score (32 out of 40), satisfaction score (14 out of 25), claims score of (20 out of 20) and coverage score (8 out of 10). These scores solidify its position as a top insurer, promising reliable coverage at competitive pricing for a wide range of drivers.

Average Cost of Car Insurance in Provo

In Provo, the average car insurance cost is $1,291 annually. This figure is slightly less than the average car insurance cost in Utah, where the average stands at $1,311. Utah's average car insurance is substantially more affordable when contrasted with the national average, costing $470 lower compared to the national average of $1,781.

Car insurance premiums are influenced by a variety of factors, although location plays a significant role in determining rates. This is because local factors like the number of traffic incidents, crime rates and weather conditions can all affect insurance risk and, thus, pricing. Provo boasts the cheapest premium in the state of Utah at $1,291, while West Valley City has the most expensive at $1,459, highlighting a difference of $168 between the cities. Furthermore, non-urban areas with lower traffic density could see even lower rates than the cities listed.

ProvoAnnual Premium$1,291
Salt Lake CityAnnual Premium$1,382
West JordanAnnual Premium$1,365
West Valley CityAnnual Premium$1,459

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.