Car Insurance in Provo, Utah
Provo, Utah, nestled in the heart of Utah County, is a captivating city that combines stunning natural surroundings, a rich cultural heritage, and a vibrant community spirit. Known for its vibrant downtown Provo offers a unique and thriving environment for residents and visitors alike. When searching for Provo car insurance there are quite a few options for drivers, this guide will break down the average costs of an auto policy for anyone trying to find cheap car insurance and how much you should be paying.
What is the Average Cost of Car Insurance in Provo?
According to our recent Insurance Quotes cost database for Provo, Utah – the average car insurance rates for state minimum coverage is $96 a month or $1,149 yearly. A full coverage policy would cost $251 a month or $3,014 a year.
Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on other driver demographics.
Which Provider Has the Cheapest Auto Insurance Rates?
In Provo, Utah the cheapest providers are GEICO, Progressive and All State. Here is a cost breakdown of each for state minimum liability and full coverage costs on average based on insurance provider quotes:
| Insurance Provider: | Minimum Liability: | *Monthly Cost: | Full Coverage: | *Monthly Cost: |
|---|---|---|---|---|
| GEICO | $956 | $80 | $2,565 | $214 |
| Progressive | $852 | $71 | $2,300 | $192 |
| State Farm | $1,593 | $133 | $3,801 | $317 |
| Mid-Century | $1,298 | $108 | $3,381 | $282 |
| Allstate | $1,047 | $87 | $3,022 | $252 |
Average Cost of Car Insurance in UT by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.
Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:
- 4 Door Car: $1,084
- SUV: $986
- Truck: $1,128
- Hybrid Electric Vehicle: $989
- 2 Door Coupe: $898
Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:
| Used Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4 Door): | $1,084 | $2,651 |
| Hybrid Electric: | $989 | $2,792 |
| Luxury Coupe (2 Door): | $898 | $3,565 |
| SUV: | $986 | $2,362 |
| Truck: | $1,128 | $3,029 |
New Vehicle Car Insurance Costs in Utah
For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:
| New Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4Door): | $1,012 | $3,032 |
| Hybrid Electic: | $1,025 | $3,111 |
| Luxury Coupe | $917 | $4,064 |
| SUV: | $983 | $2,636 |
| Truck: | $1,139 | $3,522 |
Compare Costs of Utah Cities
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities in Utah for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
How Age Affects Auto Coverage Costs in Utah
Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.
Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.
Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.
Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:
| Age | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| 17 | $3,614 | $301 | $9,595 | $800 |
| 18 | $3,001 | $250 | $8,311 | $693 |
| 20 | $1,867 | $156 | $5,263 | $439 |
| 22 | $1,301 | $108 | $3,731 | $311 |
| 24 | $1,109 | $92 | $3,197 | $266 |
| 29 | $1,008 | $84 | $2,882 | $240 |
| 34 | $981 | $82 | $2,766 | $231 |
| 39 | $988 | $82 | $2,770 | $231 |
| 44 | $995 | $83 | $2,781 | $232 |
| 49 | $981 | $82 | $2,738 | $228 |
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $25,000 per person
- $65,000 per accident
- $15,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
