Cheapest Auto Insurance in Orem, Utah (2025)
USAA offers the cheapest car insurance in Orem, with rates starting at $61 per month.
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Situated in the northern part of Utah, Orem is known as “Family City USA” because of the many married couples and young residents who live there. However, due to its large population and higher car accident rates, Orem drivers face higher car insurance rates than the Utah state average.1
On average, drivers in Orem pay $106 per month for a liability policy and $140 for full coverage compared to the state averages of $98 for liability coverage and $143 for full coverage.
Fortunately, it’s possible to pay lower rates depending on the choices you make. Here’s how.
Quick Facts
USAA, Auto-Owners, and National General are the cheapest car insurance companies in Orem.
A full-coverage car insurance policy costs Orem drivers an average of $1,679 per year.
Utah partners with Insure-Rite, an auto liability insurance verification company, to help reduce the number of uninsured drivers in the state.
3 of the cheapest car insurance companies in Orem
To find the best deal on an auto policy in Orem, you should compare quotes from multiple insurance companies. As you do so, keep Clearcover, USAA, and Travelers in mind. They continually offer some of the lowest rates in Utah, and one of them may be the right insurer for you.
Here, you can learn a little more about each.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for rideshare drivers: Clearcover
Best insurer for military members: USAA
Best insurer for young drivers: Travelers
How to get the cheapest car insurance in Orem
Several car insurance companies offer auto insurance policies to Orem residents. To help you secure the lowest rates possible, follow these tips:
Shop around. It’s a good idea to consult an insurance agent or use a quote-comparison tool to get quotes from at least three different car insurance companies. Then, choose the insurer with the lowest premiums and the right coverage for your unique situation.
Look for discounts. Many car insurance companies offer a variety of discounts to customers, including military, multi-policy, and loyalty discounts. Take advantage of every discount you qualify for, and don’t be afraid to ask which ones apply to you.
Bundle policies. If you purchase your car insurance from the same company as your condo insurance, home insurance, renters insurance, health insurance, or life insurance, you may be able to secure cheaper auto coverage.
Drive safely. Speeding, at-fault accidents, and DUIs are all examples of traffic incidents that can increase your car insurance costs. To enjoy low rates, commit to safe driving habits.
Find Cheap Car Insurance in Orem, Utah
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Cheapest liability-only car insurance in Orem: USAA
You must invest in liability-only car insurance to drive legally in the state of Utah. This coverage pays for others’ property damage and injuries from an accident you cause.
The average rate for liability insurance in Orem is $106 per month, and you can see the average quotes offered by area insurers in the table below.
Cheapest full-coverage car insurance in Orem: USAA
Full-coverage car insurance usually includes minimum liability coverage, collision coverage, and comprehensive coverage. In Utah, this also includes personal injury protection. These coverages combine to cover other parties, as well as your vehicle and injuries in an accident you cause.
Full coverage offers extra protection and may be mandatory if you finance or lease your vehicle. The average monthly rate for full-coverage insurance in Orem is $140.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Orem.
Car insurance requirements in Utah
Utah requires liability-only car insurance and proof of coverage, at the very least. It’s also a no-fault state, meaning injured drivers can collect compensation through their own personal injury protection (PIP) for injuries, regardless of fault.
The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.5 The table below reflects the change in requirements:
While the coverage amounts above meet Utah’s minimum requirements, you may want to upgrade your coverage with any of the following options:
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) can lead insurers to consider you a high-risk driver and result in higher car insurance rates. For this reason, Orem drivers with clean records usually pay cheaper premiums.
If you do have a poor driving record, you can still find an affordable auto policy. This table shows how driving incidents can affect your car insurance costs in Orem.
Average cost of car insurance by age
Teens, young adults, and senior drivers typically pay the highest car insurance premiums. This is due to the general inexperience of younger drivers and the reduced faculties that can appear in drivers older than 70.
Here’s a look at the average car insurance quotes you can expect to see in Orem based on your age.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Orem car insurance quotes by credit tier
Like most states, Utah permits car insurance companies to consider your credit history when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them lower rates.
An Orem driver with excellent credit will pay an average of $128 per month, while someone with poor credit may have to settle for an average rate of $251 per month.
Orem car insurance FAQs
Looking for more information to help you find the best rates in Orem? Consult the answers below.
How much is car insurance in Orem?
The average rate for car insurance in Orem is $123 per month. The average monthly rates for liability and full coverage are $106 and $140.
Who has the cheapest car insurance in Orem?
USAA offers the cheapest car insurance in Orem, at $61 per month. Auto-Owners and National General also offer low rates in the area, with monthly rates of $74 and $79, respectively.
What are the best car insurance companies in Orem?
Clearcover, USAA, and Travelers are three of the top insurers in Orem. Each is known for its customer service, financial stability, low rates, and number of discounts offered. Remember that the best way to find the ideal policy for you is to compare quotes from multiple insurers using a price-comparison platform.
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