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. Read on to learn more!
PROVO CAR INSURANCE RATES
|Provo Average (yearly)||Utah Average||National Average|
Compare rates today:
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 Company||Average Rate (annual)|
|Iowa Farm Bureau||$1,208|
Provo car insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Provo are drivers in their age_50s, who pay an average of $1,336per year. Drivers in their age_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 tier||Average Annual Rate|
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. Interestingly enough, in Provo, single drivers pay more than those who are widowed.
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 Status||Average Yearly Rate|
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 DWIs, and at-fault accidents all tend to bring about 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 $463per year in insurance premiums.
PROVO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|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|
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 Score||Average Yearly Rate|