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How much is car insurance in Provo?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Provo than it is in the rest of Utah.
Compared to the national average cost of auto insurance coverage, Provo has lower rates. You can expect to pay about $13 less for your policy in Provo than in the rest of United States.
Bear in mind that while these are the average car insurance rates for Provo, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Provo and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to go back up in Provo.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Provo, although men do pay a little bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Provo, a driving record with a single accident will usually get you a rate around $92 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$58|
|15 Years or Older||$69|
According to the first table above, the cheapest vehicles to insure in Provo are usually trucks and vans, at $66 per month.
SUV drivers will see rates of about $70 for car insurance coverage, while car owners typically pay around $68 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Provo, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Provo.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your housing situation is another factor that affects your monthly rate. Drivers who own property in Provo can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Provo, UT
Recent trends in car insurance for Provo drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Provo, the rates for car insurance rose from 2017-2018, when they hit a high of $72. This shifted in 2019, when policy premiums started to decrease. They reached a low of $61 in 2020, and finished at $67 in 2022.
How does Provo compare to neighboring areas?
Why are car insurance rates in Provo different from other areas?
Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Number of car accidents
- Area laws
- Total number of drivers
- Prevalence of crime
- Off-street parking access
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Provo?
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.
Luckily, Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Provo.
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Provo Insurance FAQs
What factors affect car insurance quotes in Provo?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Provo different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Provo?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Provo?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Provo or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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