Cheapest Auto Insurance in Orem, Utah (2024)

USAA offers the cheapest car insurance in Orem, with rates starting at $66 per month.

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Cheapest recent rates near Orem, Utah

Drivers in and around Orem, Utah have found policies from State Farm, Root, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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Edited byChris Schafer
Chris Schafer
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Updated November 21, 2024

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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 $117 per month for a liability policy and $186 for full coverage compared to the state averages of $108 for liability coverage and $183 for full coverage.

Fortunately, it’s possible to pay lower rates depending on the choices you make. Here’s how.

Quick Facts
  • USAA, Root, and Auto-Owners are the cheapest car insurance companies in Orem.

  • A full-coverage car insurance policy costs Orem drivers an average of $2,227 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.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Clearcover6.8$undefined$undefinedRideshare drivers
USAA9.4$95$63Military members
Travelers9.0$undefinedN/AYoung drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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

User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$102/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$183/mo
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover

Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)

Catherine

October 22, 2024

Verified Review

Great Customer Service

My premium increased by $70 due to an auto accident.

Brett

October 12, 2024

Verified Review

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.

Richard

October 7, 2024

Verified Review

T.B.

Too expensive for me.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Rideshare companies like Lyft and Uber serve residents in Orem. If you’re a rideshare driver, you can secure rideshare insurance, in addition to a traditional car insurance policy, through Clearcover. Clearcover is also an app-based car insurance company, which can make it especially appealing to rideshare drivers who are always on the go.

Pros
  • Robust mobile app

  • Discount available for military members

Cons
  • No bundling discounts

  • No usage-based insurance program

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$66/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)

Gloria

November 15, 2024

Verified Review

Not Good for Claims

I have storm damage and the claim process is not satisfactory.

Martin

November 11, 2024

Verified Review

Price Shopping

I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.

Rena Sabine

November 8, 2024

Verified Review

Disappointing and inflexible service

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

More than 2,301 veterans call Orem home, according to a 2017–2021 U.S. Census Bureau estimate.[2] If you’re a military member or veteran in the area, you may be able to secure cheap car insurance rates with USAA. The company focuses on serving the military community with auto insurance and other products, like home insurance, renters insurance, and life insurance.

Pros
  • Usage-based car insurance program available

  • Multiple discounts advertised

Cons
  • Must be affiliated with the military to become a member

  • No gap insurance

Best insurer for young drivers: Travelers

User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$191/mo
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)

Nancy

November 18, 2024

Verified Review

Checking for Better Rate

Really good.

Jim

November 12, 2024

Verified Review

Typical

They were fair but within a month, they raised their premium by over $50.

Kenneth

November 5, 2024

Verified Review

Excellent

Excellent
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Due to schools like Orem High School and Utah Valley University, Orem has many students and young drivers. Travelers offers a variety of discounts for teen drivers and students, including a good student discount, student away at school discount, and a driver training discount.

Pros
  • Large insurer with demonstrated longevity

  • Variety of coverage options

Cons
  • Rideshare insurance not available in Utah

  • Below-average J.D. Power customer satisfaction rating in the Southwest region

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

Liability rates start at $66 per month

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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 $117 per month, and you can see the average quotes offered by area insurers in the table below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$66
Root$79
Auto-Owners$80
Sun Coast$82
State Farm$87
Progressive$94
GEICO$94
National General$94
Safeco$101
Dairyland$108
American Family$111
Allstate$120
GAINSCO$128
The General$131
Nationwide$131
Bristol West$146
Farmers$155
Liberty Mutual$185
State Auto$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $186.

Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Orem.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$99
Root$115
Auto-Owners$121
Safeco$130
State Farm$132
Progressive$141
GEICO$142
Sun Coast$143
National General$158
American Family$168
Allstate$180
Nationwide$198
The General$208
Liberty Mutual$223
Farmers$233
Dairyland$234
GAINSCO$268
Bristol West$269
State Auto$306
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Orem, Utah

Drivers in and around Orem, Utah have found policies from National General, State Farm, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Orem, Utah within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Below are the minimum limits you’ll need to carry to be a legal driver in Orem:[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $65,000 per accident
Property damage liability$15,000 per accident
Personal injury protection$3,000 per person

While the coverage amounts above meet Utah’s minimum requirements, you may want to upgrade your coverage with any of the following options:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or object, no matter who’s responsible for it.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage kicks in to cover vehicle damage from fires, theft, vandalism, and other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage can reimburse you and your passengers for medical bills and funeral expenses after a car accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage offers fuel delivery, towing, tire changes, and other related services to cover emergency situations on the road.

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.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
USAA$66$85$88$107
Root$79$110$112$114
Auto-Owners$80$105$107$129
Sun Coast$82$115$113$130
State Farm$87$112$115$141
Progressive$94$121$126$152
GEICO$94$122$125$152
National General$94$122$125$152
Safeco$101$133$133$151
Dairyland$108$140$142$174
American Family$111$144$148$179
Allstate$120$155$159$194
GAINSCO$128$179$163$207
The General$131$173$177$212
Nationwide$131$171$175$212
Bristol West$146$190$194$236
Farmers$155$200$205$250
Liberty Mutual$185$258$262$299
State Auto$204$285$295$330
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Age
Average Monthly Quote
Teens$296
20s$367
30s$342
40s$290
50s$217
60s$152
70s$114
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Orem, UT

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $151 per month. The average monthly rates for liability and full coverage are $117 and $186.

  • Who has the cheapest car insurance in Orem?

    USAA offers the cheapest car insurance in Orem, at $66 per month. Root and Auto-Owners also offer low rates in the area, with monthly rates of $79 and $80, 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Utah Department of Public Safety. "Utah Crash Summary Crash Statistics."
  2. United States Census Bureau. "Orem, Utah."
  3. Utah State Legislature. "Utah Insurance Code."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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