Cheapest Auto Insurance in Provo, Utah (2024)

The cheapest car insurance in Provo is from USAA, which has rates as low as $82 per month.

Excellent
Allstate LogoProgressive LogoClearcover LogoFarmers LogoTravelers LogoGeico Logo+100 more

Cheapest recent rates near Provo, Utah

Recent Provo, Utah car insurance prices for Land Rover, Mazda, Jeep , and more.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Featured in

media logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated October 30, 2024

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Drivers in Provo, Utah, pay an overall average of $190 per month for car insurance. While that may seem expensive, it’s similar to the overall national average of $158 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.

Quick Facts
  • The average cost of car insurance in Provo, Utah, is $122 per month for liability insurance and $258 per month for full coverage.

  • USAA, Safeco, and Sun Coast are the cheapest car insurance companies in Provo.

  • On average, Provo drivers with poor credit pay $100 more per month for coverage than drivers with good credit.

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.

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$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_UT_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_UT_PRICE}Cheap rates
USAA9.4$96$65Military members and families
Travelers9.0$${AUTO_CARRIER_TRAVELERS_FULL_STATE_UT_PRICE}N/ABundling
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 cheap rates: 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.
$94/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.
$179/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

Clearcover is one of the cheapest car insurance companies in Provo and a digital-first insurer. It offers filing claims, policy renewal, payment, and more in its highly rated mobile app. Plus, it offers rideshare and alternative transportation insurance for drivers to get the right coverage for their needs.

Pros
  • Comparatively affordable rates in Provo

  • Easy-to-use mobile app for account management

Cons
  • No bundling options

  • Limited over-the-phone support

Best insurer for military members and families: 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.
$82/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.
$122/mo
4.9
Best choiceBased on 1573 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 (897)

Kent

October 29, 2024

Verified Review

Excellent

The insurance is a bit high.

Dorothy

October 29, 2024

Verified Review

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin

October 29, 2024

Verified Review

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
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

USAA specifically caters to military members, veterans, and their families by providing competitive rates and customized policies. It also offers discounts for people who store their vehicles on a military base during deployment.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Specialized discounts

Cons
  • Gap insurance not available

  • Restrictive membership requirements

Best insurer for bundling: 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.
$194/mo
4.7
Best choiceBased on 745 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 (381)

Vicki

October 27, 2024

Verified Review

Good but Costly

I had a great experience with Travelers and would still be with them, but I got a better rate with another company.

Nancy

October 23, 2024

Verified Review

Not Great by Any Means

Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.

Birdie

October 21, 2024

Verified Review

Expensive

I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
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

Almost 30% of housing units in Provo are owner-occupied. Bundling car and home insurance policies is a great way for Provo homeowners to save on insurance coverage. You can bundle renters insurance as well, so students at nearby Brigham Young University won’t miss out on potential savings.

Pros
  • Variety of discounts

  • Roadside assistance available

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

  • Rideshare coverage not available

Cheapest Auto Insurance in Utah (2024)

Cheapest Auto Insurance in Utah (2024)

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.

Find Car Insurance in Provo, Utah

Rates start as low as $82 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $82 per month.

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

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$82
Safeco$96
Sun Coast$99
Auto-Owners$100
Midvale Home & Auto$101
State Farm$110
National General$113
Progressive$117
Dairyland$118
GEICO$118
Root$125
Liberty Mutual$128
American Family$139
GAINSCO$146
Allstate$149
Nationwide$165
The General$170
Farmers$194
Bristol West$199
State Auto$256
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 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 $122 per month.

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

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$122
Safeco$147
Auto-Owners$148
State Farm$161
Midvale Home & Auto$166
Progressive$172
GEICO$174
Root$174
Sun Coast$180
National General$199
American Family$205
Liberty Mutual$212
Allstate$222
Nationwide$242
Dairyland$267
The General$276
Farmers$286
State Auto$314
GAINSCO$319
Bristol West$370
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 Provo, Utah

Recent Provo, Utah car insurance prices for Hyundai, Chevrolet, Land Rover , and more.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Provo, Utah within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Here are Utah’s minimum liability requirements:[1] [2]

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 accident
Good to Know

Utah’s minimum liability car insurance requirements are increasing Jan. 1, 2025, to 30/65/25 limits. This translates to $30,000 per person and $65,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability.[1]

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:

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

    Collision coverage

    Collision coverage pays for vehicle repair costs when you hit another vehicle or stationary object, regardless of fault.

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

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages and loss from non-collision incidents like theft, vandalism, fires, natural disasters, or falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your damages and injuries if a driver without insurance or without enough insurance causes an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays for the difference between your auto loan or lease balance and insurance settlement after a total loss.

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 $122 per month to $164 per month, and a DUI on your record can increase average rates to $189 per month.

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

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
USAA$82$105$107$131
Safeco$96$125$122$154
Sun Coast$99$137$133$153
Auto-Owners$100$129$131$160
State Farm$110$140$142$176
National General$113$146$148$181
Progressive$117$150$154$187
Dairyland$118$152$153$189
GEICO$118$152$154$189
Root$125$172$174$200
Liberty Mutual$128$178$179$205
American Family$139$178$181$222
GAINSCO$146$203$182$233
Allstate$149$191$194$238
Nationwide$165$214$217$264
The General$170$221$225$272
Farmers$194$248$252$310
Bristol West$199$256$258$318
State Auto$256$357$366$409
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

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.

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.

Compare Auto Quotes in Provo, UT

Get personalized quotes from top car insurance companies in minutes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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.

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.

Provo car insurance FAQs

Check out Insurify’s guide to switching your car insurance, and read the answers to common questions about auto coverage in Provo below.

  • How much is car insurance in Provo?

    The average cost of car insurance in Provo, Utah, is $122 per month for liability insurance and $258 per month for full coverage.

  • Which company has the cheapest car insurance in Provo?

    USAA, Safeco, and Sun Coast are the cheapest car insurance companies in Provo, with liability rates of $82, $96, and $99 per month, respectively. 

    The best way to find the cheapest rates for you is to compare quotes from at least three companies for the same coverage. You can use a quote-comparison tool to see rates from multiple insurers in one place to help you compare them.

  • What are the best car insurance companies in Provo?

    Some of the best car insurance companies in Provo that Insurify identified include Clearcover, Travelers, and USAA. These insurers have low average rates, good financial strength ratings, and solid Insurify Quality (IQ) Scores.

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 State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
  2. Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements."
  3. Utah Department of Public Safety's Highway Safety Office. "Utah Crash Summary Crash Statistics."
  4. III. "Senior driving safety and insurance tips."
  5. Utah Insurance Department. "Credit Reports & Insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all