Provo's average full coverage car insurance costs $109 per month. Rates can range from $109 to $431, depending on policy details, vehicle type and driver characteristics. To help drivers better understand potential costs, the table below shows average car insurance prices for different driver profiles.
Provo, UT, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Provo: Key Takeaways
In Provo, Farmers Union Insurance, Nationwide, Auto-Owners Insurance Co, Progressive and American Family are the most affordable car insurance companies.
Farmers Union Insurance offers the cheapest minimum coverage at $35 per month, while Nationwide is the most affordable for full coverage at $64.
On average, car insurance in Provo costs $61 per month for minimum coverage and $109 for full coverage. These rates can change depending on the driver's profile.
Car Insurance Quotes in Provo, UT
| Young Drivers | $74 | $135 |
| Teens | No Data | $431 |
| Seniors | $63 | $109 |
| Drivers With a Speeding Ticket | $74 | $134 |
| Drivers With a DUI | $102 | $180 |
| Drivers With An Accident | $89 | $161 |
| Bad Credit | $122 | $222 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Provo vs. State Average
Utah
State Average Full Coverage Rate
$1,295
Provo, UT
City Average Full Coverage Rate
$1,312More:$17 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Provo?
In Provo, the average annual cost for full coverage car insurance is $1,312, while minimum coverage is $733. These rates are slightly higher than Utah's averages, where full coverage is $1,295 and the state minimum is $707 annually.
| State Average | $707 | $1,295 |
| Provo Average | $733 | $1,312 |
Cheapest Car Insurance Companies in Provo
Premiums may rise, but you can still find affordable car insurance in Provo. Farmers Union Insurance offers the cheapest minimum coverage at $35 per month. For full coverage, Nationwide has the best rate at $64 per month.
WHY CAR INSURANCE IN PROVO IS EXPENSIVE
Car insurance is expensive in Provo due to factors like traffic density and accident rates. Provo ranks high among Utah cities in terms of car insurance costs. Statewide, high rates of uninsured drivers, frequent personal injury lawsuits and insurance fraud contribute to the overall expense of car insurance in Utah.
Cheap Car Insurance in Provo
Farmers Union Insurance may offer the cheapest minimum coverage, but rates vary for each driver. The best way to find affordable car insurance is to get quotes from multiple providers. Below is a table showing the cheapest car insurance rates for various driver profiles.
| Farmers Union Insurance | Minimum Coverage | $35 |
| Nationwide | Full Coverage | $64 |
| Auto-Owners Insurance Co | Teens | $268 |
| Nationwide | Young Adults | $67 |
| Nationwide | Seniors | $50 |
| Nationwide | Bad Credit | $77 |
| Progressive | Drivers With a DUI | $74 |
| American Family | Drivers With An Accident | $72 |
| Nationwide | Drivers With a Speeding Ticket | $64 |
Car Insurance Rates in Provo by Company
To save on car insurance in Provo, compare rates from different companies. Below are the most affordable state minimum and full coverage plans from different insurers.
Cheapest Car Insurance Companies for Minimum Coverage in Provo
Farmers Union Insurance offers the cheapest minimum coverage auto insurance at $35 per month, followed by GEICO at $47. The table below breaks down the cheapest options.
| Farmers Union Insurance | $35 | $26 |
| Nationwide | $43 | $18 |
| Progressive | $43 | $18 |
| GEICO | $47 | $14 |
| Auto-Owners Insurance Co | $58 | $3 |
| American Family | $58 | $3 |
Cheapest Car Insurance Companies for Full Coverage in Provo
Nationwide offers the cheapest full coverage car insurance in Provo at $64 per month. Below is a list of other providers and their rates.
| American Family | $86 | $23 |
| Auto-Owners Insurance Co | $97 | $12 |
| Farmers | $109 | $0 |
| Farmers Union Insurance | $75 | $34 |
| GEICO | $83 | $26 |
| Nationwide | $64 | $45 |
| Progressive | $88 | $21 |
Car Insurance Companies in Provo
We suggest getting quotes from several companies to find affordable car insurance in Provo. Nationwide offers the cheapest rate at $644 annually, while Auto-Owners Insurance Co stands out with a MoneyGeek score of 79. Check the table below for more options.
| Auto-Owners Insurance Co | 79 | $932 |
| American Family | 78 | $869 |
| Nationwide | 68 | $644 |
| GEICO | 63 | $783 |
| Progressive | 63 | $788 |
| Farmers | 59 | $1,022 |
| Allstate | 54 | $1,122 |
| State Farm | 54 | $1,951 |
| Kemper | 47 | $1,378 |
| Farmers Union Insurance | No Data | $663 |
| Iowa Farm Bureau | No Data | $1,094 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Provo by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates annually at $1,312 for 40-year-olds and $1,309 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,446 | $-907 |
| 17 | $3,199 | $-660 |
| 18 | $2,659 | $-120 |
| 19 | $2,519 | $20 |
| 20 | $2,526 | $13 |
| 21 | $1,994 | $545 |
| 22 | $2,116 | $424 |
| 23 | $2,186 | $353 |
| 24 | $2,050 | $489 |
| 25 | $1,621 | $-226 |
| 40 | $1,312 | $83 |
| 65 | $1,309 | $86 |
Cheapest Car Insurance for Teens in Provo
Nationwide offers the cheapest overall car insurance for teens in Provo at $119 per month, $127 lower than the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $119 | $127 | $284 |
| Allstate | $171 | $75 | $365 |
| Farmers | $184 | $62 | $483 |
| GEICO | $185 | $61 | $499 |
| Progressive | $190 | $57 | $557 |
| Auto-Owners Insurance Co | $211 | $35 | $268 |
| State Farm | $216 | $30 | $301 |
| Kemper | $693 | $-447 | $689 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Provo
Progressive offers the cheapest minimum coverage for young drivers in Provo at $49 per month. For full coverage, Nationwide is the most affordable at $80. Check the table below to see which companies provide the cheapest rates for different young driver profiles.
| Progressive | Minimum Coverage | $49 |
| Nationwide | Full Coverage | $80 |
| Nationwide | Bad Credit | $97 |
| Progressive | Drivers With a DUI | $88 |
| American Family | Drivers With An Accident | $89 |
| Nationwide | Drivers With a Speeding Ticket | $77 |
Cheapest Car Insurance Companies for Young Drivers in Provo
Nationwide offers the most affordable auto insurance for young drivers at $67 monthly. The table below shows other companies with competitive rates.
| Nationwide | $67 | $37 |
| GEICO | $78 | $27 |
| Progressive | $79 | $26 |
| Farmers Union Insurance | $87 | $18 |
| American Family | $89 | $15 |
| Iowa Farm Bureau | $96 | $8 |
| Allstate | $103 | $2 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Provo
Farmers Union Insurance and Nationwide offer Provo's most affordable car insurance, though rates can vary based on many factors. The table below shows the cheapest providers for various driver and coverage profiles that might better suit your needs.
| Farmers Union Insurance | Minimum Coverage | $34 |
| Nationwide | Full Coverage | $59 |
| Nationwide | Bad Credit | $72 |
| Progressive | Drivers With a DUI | $78 |
| American Family | Drivers With An Accident | $73 |
| Nationwide | Drivers With a Speeding Ticket | $60 |
Cheapest Car Insurance Companies for Seniors in Provo
Nationwide offers the cheapest monthly premium for seniors at $50 for minimum coverage, followed by Farmers Union Insurance at $53. The table below shows the top car insurance providers for seniors in Provo.
| Nationwide | $50 | $36 |
| Farmers Union Insurance | $53 | $32 |
| Progressive | $66 | $20 |
| American Family | $73 | $13 |
| GEICO | $74 | $12 |
| Auto-Owners Insurance Co | $79 | $7 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Provo
In Provo, car insurance rates for high-risk drivers are lower than the state average. The average annual cost for minimum coverage is $1,061, while full coverage is $1,903. Drivers with bad credit and DUIs pay the most for car insurance. Accidents and speeding tickets have a smaller impact on rates.
| State Average | $1,020 | $1,874 |
| Provo Average | $1,061 | $1,903 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
In Provo, insurers take into account minor driving incidents, like a not-at-fault accident or a speeding ticket, for a certain period. For more serious offenses such as a DUI, insurers may consider the incident for a longer time. You might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Provo
Progressive provides the cheapest minimum coverage for drivers with a DUI in Provo at $574 per year. It also has the most affordable full coverage policy at $1,209. Check the table below for more low-cost coverage options.
| Progressive | $48 | $101 |
| American Family | $71 | $105 |
| Farmers | $90 | $158 |
| Farmers Union Insurance | $72 | $159 |
| Kemper | $82 | $164 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Provo
Farmers Union Insurance, American Family and Progressive offer the cheapest car insurance for drivers with an at-fault accident in Provo. The table below shows providers offering the cheapest auto insurance after an at-fault accident.
| American Family | $58 | $86 |
| Nationwide | $76 | $111 |
| Farmers Union Insurance | $56 | $123 |
| Progressive | $65 | $142 |
| GEICO | $85 | $156 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Provo
Farmers Union Insurance is the cheapest car insurance provider for drivers with speeding tickets in Provo, offering rates of $45 for minimum coverage and $102 for full coverage. Check the table below to see how other providers charge drivers with this violation on their records.
| Nationwide | $51 | $76 |
| Farmers Union Insurance | $45 | $102 |
| American Family | $71 | $105 |
| GEICO | $60 | $109 |
| Progressive | $53 | $114 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Provo
The most affordable rates for drivers with bad credit in Provo are from Progressive, at $64 per month for minimum coverage, and Nationwide, at $87 monthly for full coverage. See the table below for more affordable options.
| Nationwide | $66 | $87 |
| Farmers Union Insurance | $65 | $135 |
| Progressive | $64 | $140 |
| GEICO | $88 | $164 |
| Farmers | $94 | $177 |
Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Provo, UT
In Utah, each city follows the car insurance minimums set by statewide mandates. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $65,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
- $3,000 personal injury protection (PIP) per person
For example, if you were in an accident that caused $10,000 in property damage, your minimum coverage would cover the costs, keeping you financially secure.
Cheap Car Insurance in Provo: Bottom Line
Farmers Union Insurance is the most affordable car insurance in Provo for minimum coverage at $35 monthly, while Nationwide is the cheapest for full coverage at $64. No matter your age or credit, you'll find providers with competitive rates to fit your budget. Remember, your policy must cover Utah's basics: bodily injury, property damage and personal injury protection. Compare and save to meet the Beehive State's insurance laws.
Provo Auto Insurance: FAQ
This section gives quick answers to common questions about finding affordable and quality car insurance options in Provo. Learn about minimum coverage and explore the best ways to save on your car insurance today.
What is the cheapest car insurance company in Provo, UT?
Farmers Union Insurance offers the most affordable minimum coverage in Provo at $35 per month, saving customers an average of $26.
What is the best car insurance company in Provo, UT?
Auto-Owners Insurance Co is rated as the best car insurance provider in Provo. It has a MoneyGeek score of 79 and an annual premium of $932 for state minimum coverage.
How much does car insurance cost on average in Provo, UT?
The average monthly cost for minimum coverage auto insurance in Provo ranges from $63 to $122.
Best Cheap Car Insurance in Provo: Our Methodology
MoneyGeek analyzed Provo auto insurance prices using data from the Utah Department of Insurance and Financial Services and Quadrant Information Services.
Provo Driver Profile
To assess the best and most affordable auto insurance options for Provo residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Provo
In assessing the car insurance quotes for Provo, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Utah's mandated liability insurance parameters:
The minimum coverage requirements in Utah are:
- $25,000 for bodily injury liability per person
- $65,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
- $3,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Utah providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Provo
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Provo.
For more details on our methodology, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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's also a 5-time Jeopardy champion!
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.