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How much is car insurance in Orem?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Orem are slightly more expensive than the rest of Utah.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Orem is rather affordable. It's around $16 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Orem, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Orem so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a bit more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Orem.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly auto insurance coverage, the difference in Orem is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Orem, drivers with one accident on their record will experience rates around $77 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $74.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$63|
As you can see in the first table above, the cheapest vehicles to insure in Orem are usually trucks and vans, which run about $60 per month.
Car and SUVs, however, both cost about the same amount for insurance -- around $65 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Orem, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Orem, with married couples paying about $4 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Orem. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Orem, UT
Recent trends in car insurance for Orem drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Orem, the rates for car insurance declined from 2017-2020, when they reached a low of $57. This trend leveled out in 2021, when they began to increase, and have continued moving in that direction through the present, where policy premiums finished at $71 a month.
How does Orem compare to neighboring areas?
Why are car insurance rates in Orem different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers in the community
- Crime rates
- Availability of off-street parking
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Orem?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Orem.
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Orem Insurance FAQs
What factors affect car insurance quotes in Orem?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Orem different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Orem?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Orem?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Orem or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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