Provo, UT Car Insurance

The average cost of auto insurance in Provo is $117 per month. If you're paying too much, compare rates online today.

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How much does auto insurance cost in Provo?

 

Car insurance coverage costs an average of $1,407 each year in Provo. That's more than the average in Utah ($1,306) and less expensive than the national average of $1,548. Our guide to Provo auto insurance includes average rates based on age, credit score, driving history and marital status.

 
PROVO CAR INSURANCE RATES
Provo Average (yearly)Utah AverageNational Average
$1,407$1,306$1,548
 
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Provo car insurance rates by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, Bear River provides Provo's cheapest rates. Reference below the top options for affordable insurance in Provo. Don't forget to get car insurance quotes based on your unique driving profile.

 
PROVO AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
Bear River$625
GEICO$1,126
Iowa Farm Bureau$1,208
AAA$1,255
Progressive$1,479
 

Consult our expert guide and find the best cheap car insurance.

 

Provo car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Provo are drivers in their 50s, who pay an average of $1,336 per year. Drivers in their 60s pay marginally higher rates — $1,375 per year.

Teen drivers pay Provo's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Provo is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Provo is $3,596. That's the biggest gap in premiums between any pair of age brackets.

 
PROVO AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$5,580
20s$1,984
30s$1,402
40s$1,387
50s$1,336
60s$1,375
70s$1,734
 

Learn more about the impact of age on car insurance premiums.

 

Provo car insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Provo, married drivers pay $90 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Provo, female drivers pay $78 per year more than do male drivers for car insurance.

 
PROVO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,485
Male$1,407
Single$1,407
Married$1,317
Divorced$1,374
Widowed$1,348

 

Provo car insurance costs by accident and violation history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and at-fault accidents all may bring result in rate increases.

Provo drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $609 per year versus the city average. A ticket for speeding results in a $206 rate hike, on average, while a DUI violation costs $463 per year in insurance premiums.

 
PROVO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DWI/DUI$1,870
Reckless Driving$2,016
At-fault Accident (damages less than $1,000)$1,850
At-fault Accident (damages greater than $2,000)$1,919
Speeding Ticket (16-20 mph over speed limit)$1,613
 

Learn more about the impact of driving violations on car insurance rates.

 

Provo auto insurance premiums by credit level

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Provo drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 64% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Provo, improving your credit to "Fair" could help you earn a $1,360 decrease in annual car insurance rates.

 
PROVO CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$3,082
Fair$1,722
Good$1,407
Very Good$1,265
Exceptional$1,111

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.