Cheap Auto Insurance Quotes in Orem, UT (2023)

After high placements on many “Best Places to Raise a Family” lists, Orem certainly has earned its nickname of “Family City USA.” And in a family-friendly town like Orem, you’ll want to make sure you and the spouse and kids are protected on the road. The first step? Finding a great car insurance policy.

But raising a family isn’t cheap—so you don’t want your car insurance payments to break your budget. That’s why comparing quotes from a wide variety of car insurance companies is so important before settling on a policy. Quote comparison gives you the lay of the land in the insurance marketplace so that you can zero in on an affordable, comprehensive policy.

Car Insurance in Orem, UT

The average cost of Utah car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Orem, UT to find you the cheapest quotes in the area.

See More:

• Cheap Car Insurance Utah

• Compare Car Insurance

Cheapest Car Insurance in Orem, UT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Orem, UT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Orem. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Utah

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Utah^[1] are:

• $25,000 per person for bodily injury

• $65,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Utah is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $3,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Orem Car Insurance Rates by Driver Age

Except for extremely young drivers, the auto insurance rates in Orem are extremely competitive with other cities across the nation. The average premium for teenagers runs about $337.22, while the averages for each remaining age group are below $200. The disparity between the teens group and all others stems from the higher risk factors applied to teen drivers. The lowest average rate is for those in their 50s and is around $115.32.

Orem Car Insurance Rates by Driving and Accident History

As drivers gain more experience behind the wheel, it is important for them to avoid any types of violations or accidents on the road. In Orem specifically, a motorist who doesn’t have a history of accidents or any violations will pay the lowest rate, at $161.10. For drivers who have a violation on their record, the most impactful one is a failure to stop, which can boost averages up to $294.52. Other violations like speeding and at-fault accidents can also negatively impact the average premium.

See More:

• High-risk Car Insurance Utah

• DUI Car Insurance Utah

Orem Car Insurance Rates by Credit Tier

While some cities offer discounts on their premiums for credit score and ratings, Orem doesn’t. Collectively, drivers in Orem with an excellent rating should expect to pay on average $163.94. Even though there isn’t a large discrepancy between average premium rates for different scores, it is important to note a poor rating can lead you to a higher rate. Their average premium falls around $178.46 for coverage. However, the $12 gap between averages proves that there are other factors that impact price in Orem even more.

See More: Bad Credit Car Insurance Utah

Find local Orem agents

Orem, UT DMV Information

The Orem DL Field Office is located at 759 N 1370 W St. and offers driver’s licensing and renewals, ID card registration, road tests, and more. The office is open from 7 a.m. to 6 p.m. Monday through Thursday. To make an appointment ahead of time, call 1 (801) 234-8260.

Public Transportation in Orem, UT

In Orem, there’s no shortage of public transit options. For train service, the Utah Transit Authority’s Frontrunner train passes through Orem Station, running from Salt Lake City to Provo. For rapid transit by bus, the Utah Valley Express runs throughout town and can also quickly get riders to nearby Provo.

For more detailed Utah city level guides, check out these below.

• Average Cost of Car Insurance Rates in Utah

• DUI Car Insurance Rates in Utah

• High-Risk Driver Car Insurance Rates in Utah

• Utah Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Utah

• SR-22 Insurance in Utah

How to get the best and cheapest car insurance in Orem, UT

Whether you’re packing up the minivan for a day trip or dropping off the kids at soccer practice, a car is the way Orem residents engage with the city’s many family-friendly activities. As you hit the road in Orem, protect you, your family, and your car with car insurance that meets your needs.

Before buying a policy, compare quotes with Insurify. With Insurify, you simply need to enter some information about your vehicle and driver history, and Insurify will connect you with 10+ free car insurance quotes. Then, it’s time to hit the road with affordable car insurance.

FAQs - Orem, UT Car Insurance