Cheap Auto Insurance Quotes in Provo, UT, for 2023

Car Insurance in Provo, UT

In Provo, Utah, car insurance premiums cost $172 per month on average. That’s a bit higher than the national average and about the same as Salt Lake City and nearby Orem. Read on to see how you can keep your car insurance costs down by comparing insurance rates from a bunch of insurance companies in one place with Insurify.

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Cheapest Car Insurance in Provo, UT

You’ve heard about big insurance agencies like State Farm and Allstate. But do the highest-profile car insurance companies offer the best rates? Auto owners looking for affordable car insurance need to survey the entire field in their area, and this table helps them get a start.

Check out these average quotes from Provo auto insurance companies, courtesy of Insurify.

Best Car Insurance in Provo, UT

If an insurance agency is offering low average rates, that’s a good sign. But a cheap car insurance policy isn’t worth it without responsive customer service and the financial stability to pay out claims. With the Insurify Composite Score (ICS), you can compare insurance premiums alongside an index that captures an insurance company’s overall quality, as in the table below.

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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.

Provo Car Insurance Rates by Driver Age

When it comes to car insurance premiums in Utah, age matters. Teen drivers are considered more likely to get in an accident than more experienced motorists and thus pay high premiums for liability coverage. A teen driver looking to lower their rates might leave out full coverage, especially if they drive a cheap car. This table shows average Utah car insurance rates by age:

Provo Car Insurance Rates by Driving and Accident History

You’ve probably heard that insurance companies look at your driving history to set your insurance premiums. In Provo, this is clearly the case. A clean driving record will earn you the best rates in town, while drivers with a DUI, speeding ticket, or accident on their driving history pay higher premiums on average.

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High-Risk Car Insurance Utah

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Provo Car Insurance Rates by Credit Tier

Does credit score affect your auto insurance premiums? This table shows average rates paid by auto owners based on their credit score. In the case of Provo, an excellent credit score does mean you pay less on average for car insurance coverage, while a poor credit score will result in much higher premiums.

How to Get the Cheapest Car Insurance in Provo

On your search for the cheapest car insurance in Provo, you’ll discover that the market is diverse, from local insurance agents at Bear River Mutual to the big players like State Farm, Allstate, and American Family. But which insurance provider is best for you and your loved ones?

First, you’ll need to get compare car insurance rates from as many companies as possible to find the lowest insurance premiums available to you. This is what Insurify does for you in just a few minutes. Whether you need minimum liability insurance or full coverage, Insurify will give you a bird’s-eye view on the best rates out there. Then, it’s as simple as click, sign, and save.

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