Cheapest and Best Car Insurance Companies in Provo, UT


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceProvo
2024

Cheapest and Best Car Insurance in Provo, UT

Why Trust MoneyGeek? The policy rates in this study are derived from an analysis of information and data from Quadrant Information Services and the Utah Insurance Department.

35,040Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in Provo

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Farmers Union InsuranceAnnual Premium$414Monthly Premium$35
NationwideAnnual Premium$481Monthly Premium$40
Auto-Owners Insurance CoAnnual Premium$492Monthly Premium$41
GEICOAnnual Premium$493Monthly Premium$41
ProgressiveAnnual Premium$507Monthly Premium$42
Iowa Farm BureauAnnual Premium$553Monthly Premium$46
FarmersAnnual Premium$564Monthly Premium$47
State FarmAnnual Premium$584Monthly Premium$49

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.

Cheapest Full Coverage Car Insurance in Provo

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$788Monthly Premium$66
Auto-Owners Insurance CoAnnual Premium$859Monthly Premium$72
GEICOAnnual Premium$862Monthly Premium$72
Farmers Union InsuranceAnnual Premium$883Monthly Premium$74
ProgressiveAnnual Premium$982Monthly Premium$82
American FamilyAnnual Premium$995Monthly Premium$83
FarmersAnnual Premium$998Monthly Premium$83
Iowa Farm BureauAnnual Premium$999Monthly Premium$83

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.

Loading...
    coins2 icon

    Compare

    Compare minimum and full coverage policies.

    find icon

    Find a match

    Get matched with an insurer in Provo.

    financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Provo After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
NationwideAnnual Premium$929Monthly Premium$77
GEICOAnnual Premium$1,063Monthly Premium$89
Auto-Owners Insurance CoAnnual Premium$1,138Monthly Premium$95
State FarmAnnual Premium$1,159Monthly Premium$97
Farmers Union InsuranceAnnual Premium$1,196Monthly Premium$100
American FamilyAnnual Premium$1,210Monthly Premium$101
Iowa Farm BureauAnnual Premium$1,215Monthly Premium$101
AllstateAnnual Premium$1,252Monthly Premium$104

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.

Cheapest Car Insurance in Provo for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,403Individual Plan Monthly Premium$5,845
AllstateFamily Plan Annual Premium$2,249Individual Plan Monthly Premium$10,363
FarmersFamily Plan Annual Premium$2,390Individual Plan Monthly Premium$12,827
ProgressiveFamily Plan Annual Premium$2,453Individual Plan Monthly Premium$14,664
State FarmFamily Plan Annual Premium$2,553Individual Plan Monthly Premium$8,996
GEICOFamily Plan Annual Premium$2,587Individual Plan Monthly Premium$21,804
Auto-Owners Insurance CoFamily Plan Annual Premium$2,752Individual Plan Monthly Premium$9,866
KemperFamily Plan Annual Premium$9,667Individual Plan Monthly Premium$16,116

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.

Cheapest Car Insurance in Provo for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$638Monthly Premium$53
NationwideAnnual Premium$788Monthly Premium$66
Auto-Owners Insurance CoAnnual Premium$859Monthly Premium$72
GEICOAnnual Premium$862Monthly Premium$72
Farmers Union InsuranceAnnual Premium$883Monthly Premium$74
ProgressiveAnnual Premium$982Monthly Premium$82
American FamilyAnnual Premium$995Monthly Premium$83
FarmersAnnual Premium$998Monthly Premium$83

How to Compare Cheap Provo Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeeks'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:

Jun 21, 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: Summary

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.

Best Overall Car Insurance in Provo

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.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Ranked #1 for claims management out of nine insurance providers

checkmark

Ranked #2 for affordability among other insurance companies

checkmark

Provides diminished value coverage, accident forgiveness and gap insurance

cons

close

Average scores for customer satisfaction and available coverages

COMPANY HIGHLIGHTS

Auto-Owners Insurance has the cheapest rates and high claims management scores. It also offers policyholders various common and rare coverages.

If your vehicle's worth decreases after an accident, this company's diminished value coverage will compensate you for the loss in value. Generally, insurance premiums increase after an accident. Auto-Owners Insurance offers accident forgiveness coverage, which helps you avoid an increase in premium after an at-fault accident if you have been violations-free for the last 36 months.

The insurance provider also offers gap insurance. In case of an accident, this coverage covers the gap between your vehicle's value and the amount remaining on your auto loan.

Besides these coverages, the insurer provides common coverages like roadside assistance and rental car or travel reimbursement. The roadside assistance coverage helps if your car breaks down, and the rental car or travel reimbursement covers your transportation expenses in case of an accident.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Best Car Insurance in Provo for Customer Service

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.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Has the highest score for claims management

checkmark

Ranked #2 for affordability out of nine providers

checkmark

Offers a coverage package, deductible modification and rental car or travel reimbursement

cons

close

Doesn’t rank well in customer satisfaction

COMPANY HIGHLIGHTS

You will find affordable rates, efficient claims processing and various rare coverages if you opt for a policy from Auto-Owners Insurance. The insurance provider offers its policyholders a coverage package that includes multiple optional coverages at a competitive rate. If you get this package, you will have protection from expenses like identity theft, re-keying locks and replacing your cell phone.

You can also add deductible modification if you opt for a policy with this company. This coverage waives your collision deductible if you get into an accident with a vehicle that’s also insured with Auto-Owners Insurance. This company offers rental car or travel reimbursement coverage that pays for a rental car or other transportation-related expenses if your vehicle is damaged due to an accident.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Best Cheap Car Insurance in Provo

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.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

An affordable minimum coverage policy costs an average of $492 per year

checkmark

Provides multiple car, safe driving and responsible payment discount

checkmark

Ranked the highest for claims management and second highest for affordability

cons

close

Doesn’t rank well in customer satisfaction

COMPANY HIGHLIGHTS

Auto-Owners Insurance offers one of Provo's cheapest minimum coverage policies and has the highest claims management score. MoneyGeek found that the insurer handles claims promptly, based on the J.D. Power Claims Study.

The insurance provider also offers policyholders various opportunities for lowering their premiums. For instance, you can get a discount on insuring two or more private vehicles on your personal auto policy. You can also qualify for a discount if you have a good driving history with no significant violations. If you pay your premiums on time for 36 months, you can qualify for the responsible payment discount.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Average Cost of Car Insurance in Provo

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.