Auto insurance costs an average of $119 per month in Orem. Paying too much? Enter your ZIP to compare rates.
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The average cost of auto insurance in Orem is $1,437 per year. That's greater than than the average in Utah ($1,306) and less expensive than the U.S. average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in Orem.
|Orem Average (per year)||Utah Average||National Average|
Getting quotes from many different companies is the best way to find good coverage at a price that fits your budget. In Orem, Bear River offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Orem.
|Company||Average Annual Rate|
|Iowa Farm Bureau||$1,208|
The age group that enjoys the lowest auto insurance rates in Orem are drivers in their 50s, who pay an average of $1,380 per year. Rates for Orem drivers in their 60s are also relatively affordable, at just $1,418 per year.
Teenage drivers pay Orem's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Orem is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Orem is $3,444, the largest such difference between any two age brackets.
|Age||Average Annual Rate|
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Orem pay $96 less than single drivers for auto insurance.
Gender is another factor that can affect car insurance rates. In Orem, female drivers pay $74 per year more than do male drivers.
|Gender/Marital Status||Average Yearly Rate|
Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Orem drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $624 per year when compared to the city average. A ticket for speeding results in a $211 rate hike while a DWI or DUI violation costs $474per year in extra insurance expenditures.
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,890|
|At-fault Accident (damages greater than $2,000)||$1,964|
|Speeding Ticket (16-20 mph over speed limit)||$1,648|
It's no secret that credit score is closely correlated with car insurance rates. In Orem, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit can have a big impact in leading you toward lower car insurance rates. In Orem, improving your credit to "Fair" could help you earn a $654 decrease in yearly insurance premiums.
|Credit Score||Average Yearly Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.