Provo Car Insurance

The Zebra
May 30, 2018

Car Insurance in Provo

On average, premiums in Provo exceed the state average by 8%. Let’s go over some ways to save on car insurance in Provo.

  • City Average: $1,196
  • State Average: $1,112
  • National Average: $1,427

Provo Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can make the expense of premiums spike will help you make better decisions and save money. For individuals in Provo with at-fault accidents, $519 is the amount by which annual insurance premiums can be expected to rise. In Provo, drivers with a DUI have rates that exceed the city average of $1,196 by 40%. Reckless driving will also drive your premiums up, with typical rates of $1,605. That is 34% higher than the city average.

  • DUI: $1,678
  • Reckless Driving: $1,605
  • At-fault Accident (damages less than $1000): $1,715
  • At-fault Accident (damages greater than $2000): $1,715
  • Speeding Ticket (16-20 mph over speed limit): $1,396

Provo Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,491 every year on premiums. In terms of percent change, the most notable benefit of better credit occurs when rising from Fair (580-669) to Good (670-739), by which drivers can save nearly 21% per year.

  • Very Poor: $2,492
  • Fair: $1,986
  • Good: $1,567
  • Very Good: $1,267
  • Exceptional: $1,001

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Provo Car Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance payments among any age group, with rates of $1,098/year. Those in their 60s ($1,134) also have relatively low premiums. Teenage drivers have the highest rates out of all the age groups. They have average car insurance payments of $5,040 per year. In Provo, drivers see the greatest decrease in premiums when they reach their 20s, as they save an average of $3,351 from moving out of the teenage age bracket. When drivers turn 60, they will experience a rate increase related to their age for the first time.

  • Teenagers: $5,040
  • 20s: $1,690
  • 30s: $1,181
  • 40s: $1,166
  • 50s: $1,098
  • 60s: $1,134
  • 70s: $1,397

Provo Car Insurance by Gender and Marital Status

Both marital status and gender can play a role in your car insurance premiums in Provo. Females have premiums that are nearly 5% more costly than those for males. Rates for those who are widowed are a hair cheaper than rates for those who are single. Single individuals spend $57 more per year compared to those who are married.

  • Female: $1,260
  • Male: $1,196
  • Single: $1,196
  • Married: $1,139
  • Divorced: $1,196
  • Widowed: $1,191