Cheapest Auto Insurance in Provo, Utah (2025)

Drivers in Provo, Utah, pay an overall average of $137 per month for car insurance. While that may seem expensive, it’s similar to the overall national average of $143 per month.

While Utah has plenty of snow in the winter, drivers don’t have to worry about major natural disasters like hurricanes, wildfires, or flooding. The state’s relatively mild weather and Provo’s comparatively small population may contribute to its cheaper average car insurance rates.

Here’s what you need to know about finding cheap car insurance in Provo, comparing rates, and determining how much coverage you need.

3 of the cheapest car insurance companies in Provo

Finding a deal is always nice, but when it comes to choosing the right auto insurance company for your needs, you should balance coverage types, features, financial stability ratings, and price. To help you start your search, here are some of the best and cheapest car insurance companies in Provo.

Best insurer for cheap rates: Clearcover

Best insurer for military members and families: USAA

Best insurer for bundling: Travelers

How to get the cheapest car insurance in Provo

Although insurance companies consider several factors outside your control when setting rates, you have a few ways to lower the cost of your insurance. Consider these tips for getting the cheapest car insurance in Provo:

• Shop around. Get quotes from at least three insurance companies and compare them to see which one can offer you the best rates for the coverage you need.

• Bundle policies. Many insurance companies offer discounts for people who buy more than one policy from them. Consider insuring your car, home, apartment, and more with one company for extra savings.

• Take advantage of discounts. Ask your insurance agent about discounts for safe driving, good student status, or anti-theft devices. The more discounts you qualify for, the more money you can save.

• Improve your credit score. Many insurance companies consider your credit score when setting rates. Improve your score by using less than 30% of your available credit and paying bills on time.

Cheapest liability-only car insurance in Provo: USAA

Liability car insurance covers damage and injuries you cause to others in an accident. It includes property damage and medical expenses for others but doesn’t cover your own car’s damage or your medical bills. This type of insurance typically meets the legal requirements but might leave you responsible for your vehicle repairs or medical costs after an accident.

Drivers who want to save on liability-only insurance can start their search with USAA, which offers the cheapest liability-only policies in Provo, starting at $78 per month.

The table below shows more cheap liability car insurance companies in Provo.

Cheapest full-coverage car insurance in Provo: USAA

Liability-only insurance covers damage you cause to others, while full coverage includes liability plus coverage for your own car damage and medical expenses. Drivers with newer or more valuable cars could benefit the most from this coverage, as it offers protection against theft, at-fault accidents, and natural disasters.

If you finance or lease your vehicle, your lender or leasing company will require you to purchase full-coverage car insurance.

USAA is the cheapest full-coverage car insurance company in Provo, with rates starting at $93 per month.

Here are other cheap full-coverage auto insurers in Provo.

Car insurance requirements in Utah

Like most states, Utah requires drivers to have at least a minimum amount of liability car insurance to legally drive. You should carry proof of insurance when driving so you can present it upon request. If you don’t have adequate coverage, you risk fines, and license and registration suspension.

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:

Utah’s minimum requirements are just minimums and may not be enough financial protection for you on the road. Here are some optional coverages worth considering:

Cheapest car insurance for drivers with an incident

More than 200 crashes in Provo had speeding as a contributing factor, but around 70% of crashes in the city had no injuries in 2022.3 Driving incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other traffic violations can increase your car insurance rates. These incidents indicate a higher risk of future claims, so insurers adjust rates to offset potential losses.

In Provo, an at-fault accident can increase average liability rates from $111 per month to $140 per month, and a DUI on your record can increase average rates to $179 per month.

Here’s how much insurers charge on average for liability-only coverage for Provo drivers, based on driving history.

Average cost of car insurance by age

Almost 300 of Provo’s car crashes in 2022 involved a teen driver.3 Teen drivers usually pay the most expensive rates than any other age group because they lack experience behind the wheel and have a higher risk of accidents.

Average car insurance rates in Provo tend to decrease around age 35 as long as drivers maintain clean driving records. However, rates begin to increase around age 70 due to potential declines in vision, reaction time, and overall health that could affect seniors’ driving abilities.4

The table below shows how average car insurance quotes in Provo change based on driver age.

Provo car insurance quotes by credit tier

Utah allows insurance companies to consider your credit score when underwriting your policy and setting car insurance rates.5 This means that drivers with poor credit scores typically pay more on average for car insurance than drivers with excellent or good credit scores.

Here’s how your credit can affect car insurance rates in Provo.

Provo car insurance FAQs