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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.