bestauto insuranceProvo2022Compare the Cheapest Car Insurance Quotes in Provo
The average cost of car insurance in Provo is $1,066 per year, 7.6% lower than the state average. Based on MoneyGeek's rating system, the cheapest widely available car insurance provider in the city is GEICO, with an annual average cost of $648. MoneyGeek's ratings across different driving profiles can help you find a policy that combines affordability and quality.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/31/2022
Written By |
Mark Fitzpatrick
Excluding USAA, the cheapest car insurance in Provo is from GEICO. However, that can change depending on your coverage level and driving profile. GEICO is also the cheapest widely-available insurer for state minimum policy insurance and drivers with speeding tickets. USAA provides the most affordable coverage, but is exclusive to military members.
According to MoneyGeek’s rating system, State Farm is the best company that balances service and affordability.
bestauto insuranceProvo2022The Cheapest and Best Car Insurance in Provo
The Cheapest Car Insurance Companies in Provo
MoneyGeek compared several car insurance providers in Provo and found that the cheapest providers of full coverage policies are:
- GEICO: $648 per year
- Nationwide: $949 per year
If you are a military member, you may opt for a policy from USAA, which is the most affordable in the city at $591 per year.
Full coverage car insurance costs more than the minimum state insurance but offers both comprehensive and collision insurance.
The most expensive insurer for full coverage car insurance in Provo is American Family, at $1,311 per year. Based on your coverage level and driving record, your rates may be higher or lower than these averages.
Cheapest Car Insurance in Provo
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$591
- 2.$648
- 3.$928
- 4.$949
- 5.$950
MoneyGeek determined the average car insurance rates in Provo using a sample 40-year-old male driver with a full coverage policy, as per our methodology.
Insurance that meets the minimum coverage required by the state costs less than a full coverage policy but provides less protection. It does not include comprehensive and collision insurance or any other required coverages.
If you want protection against the cost of damage to your car, you may wish to consider full coverage, which contains liability coverage plus:
- Comprehensive Insurance: This type of insurance covers the damage caused by vandalism, theft and other non-accident-related incidents.
- Collision Insurance: This insurance pays for damage to your car from hitting a stationary object or another vehicle.
If you have an older car, buying state minimum or liability-only car insurance may make sense. That’s because full coverage premiums can add up to more than the replacement value of your car.
Compare Car Insurance Rates in Provo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Provo for Minimum Coverage
The state minimum policy is the cheapest in Provo. It also provides the lowest protection and may not cover all your expenses after an at-fault accident.
From our findings, the cheapest car insurance companies in Provo for the state minimum policy are:
- GEICO: $389 per year
- Farmers: $560 per year
USAA offers the most affordable state minimum car insurance for military members at about $317 per year.
American Family has the highest rates in Provo, at $924 per year on average. This is almost three times what the cheapest provider charges.
The cost of liability-only car insurance depends on several factors. Use the following table to see how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in Provo
State Minimum
- CompanyState Minimumper year
- 1.$317
- 2.$389
- 3.$560
- 4.$591
- 5.$632
In Provo, a state minimum car insurance policy offers the least protection. Your policy must meet Utah’s 25/65/15 limit requirement and have $3,000 personal injury protection per person.
While Utah state minimum coverage features lower rates, you may need to pay for some damage costs out of pocket if you get involved in an at-fault accident. For instance, if you injure a third-party driver during an accident and the property damage cost is $20,000, your state minimum coverage will only pay $15,000 while you cover the rest.
Utah Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $65,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$3,000 per person.
Cheapest Car Insurance in Provo if You Have Driving Violations
Car insurance rates in Provo vary depending on your driving history. Speeding tickets, DUIs and at-fault accidents can cause your rates to spike significantly.
The most affordable car insurance companies in Provo for drivers with violations on their records are:
- Cheapest after a ticket: GEICO, $799 per year
- Cheapest after an at-fault accident: GEICO, $1,105 per year
- Cheapest after a DUI: Farmers, $1,318 per year
USAA has the cheapest rates for drivers with violations but is only available to military members and their families.
You can lower your rates over time by improving your record. It’s still smart to shop around for quotes to see which company gives you the best deal.
Cheapest Car Insurance in Provo With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$744
- 2.$799
- 3.$1,099
- 4.$1,160
- 5.$1,192
Average Cost of Car Insurance in Provo
Provo$1,066
Utah$1,154
U.S.$1,424
Based on MoneyGeek’s analysis, Provo’s average cost of car insurance is $1,066. This rate is 7.6% lower than the state average. Drivers in the city also pay an average of 25.1% less than the national average.
The average cost of car insurance may not be applicable in your case. Your unique profile can make your insurance costs very different than the average.
Personalized Quotes to Get You the Cheapest Car Insurance in Provo
Several factors influence car insurance quotes in Provo. Everything from your age and coverage level to your ZIP code and car model is considered. By comparing personalized car insurance quotes from at least three providers, you can get a good baseline of how much your insurance will cost. Doing this also ensures that you don’t miss out on discounts and other special offers.
Compare Car Insurance Rates in Provo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Provo
MoneyGeek identified the best auto insurance companies in Provo by analyzing average prices, claims ratings and customer satisfaction. The two highest-rated auto insurance companies in Provo are:
- GEICO: 86.80 out of 100
- Farmers: 68.20 out of 100
In addition, USAA received a perfect score of 100 out of 100 from MoneyGeek, making it the overall best car insurance company in Provo. However, we did not include the company on our list because they exclusively serve military personnel and their families.
1
GEICO
Score:90
With solid ratings for claims, affordability and customer satisfaction, GEICO is the best provider of auto insurance in Provo. Its comprehensive insurance costs $648 per year on average. GEICO offers mechanical breakdown insurance as an add-on policy.
More About GEICO
With customizable coverage options, GEICO's full coverage auto insurance in Provo can be adjusted to fit your individual needs and preferences. Mechanical breakdown insurance is a rare kind of protection for automobiles that is less costly than standard extended warranties but still provides coverage. Unlike other warranties that just cover particular things, GEICO's warranty covers all components and systems. Moreover, accident-free coverage could be available. Your insurance premium will not increase if you are at fault in your first accident. Drivers over the age of 21 with a clean driving record for at least five years are eligible for this coverage.
Read MoneyGeek's GEICO auto Insurance Review2
Farmers
Score:78
Farmers has excellent claims and customer satisfaction rankings in Provo. Full coverage insurance averages $950 per year. Farmers offers a rare coverage, original equipment manufacturer (OEM) as an add-on.
More About Farmers
Farmers vehicle insurance in Provo can be tailored to your needs. Original equipment manufacturer (OEM) insurance covers the cost of using factory-original parts in approved repairs on cars up to 10 years old. Furthermore, glass deductible can be modified. When damage is restricted to glass, the comprehensive deductible might be $100. Drivers may get 'Full Windshield and Glass Coverage' with no deductible. This insurer also offers roadside assistance, new car assistance, accident forgiveness and more.
Read MoneyGeek's Farmers auto Insurance ReviewAverage Cost of Car Insurance by Postal Code
The average car insurance rates in Provo can change based on where you live. If your ZIP code is an area prone to lots of accidents and car-theft incidents, you’ll likely pay more for your car insurance.
According to MoneyGeek, there is a slight difference of $28 between the lowest and highest rates in Provo neighborhoods. For example, ZIP code 84606 has an average rate of $1,052 per year, while ZIP code 84604, which is the most expensive, comes in at about $1,080 per year.
- Zip CodeState Minimumper year
- 84606$1,052
- 84604$1,080
Factors That Impact Insurance Costs in Provo
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Provo. How Provo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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