Orem Auto Insurance Rates, Quotes, Agents & Reviews in UT

Orem, UT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Orem, UT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Save Up To $598 on Multi-Car Insurance in Orem, UT

The average cost of auto insurance in Orem, UT, is $1,246. Car owners in Orem can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Orem.

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Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.

For instance, post-DUI, the cost of auto insurance in Orem, can mount up to $1,246. That’s significantly more than the average cost of auto insurance in Orem. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.

Anti-Theft Discounts:

Car insurers across Utah offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Orem.

Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Orem is $2,913, while the cost of insuring four vehicles under this policy is $4,386. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Discounts for Students:

Teenagers in Orem pay $4,043 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.

Factors that can influence the cost of car insurance in Orem, UT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Orem, UT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Orem, UT with that of other cities in and around Orem.

Orem Pleasant Grove American Fork-Pleasant Grove Provo-Orem American Fork Vineyard
Average Insurance Rates $1,246 $1,258 $1,297 $1,608 $1,254 $1,328

Orem, UT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Orem, UT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Orem $1,535 $1,296
Provo-Orem $1,283 $1,084
Lindon $1,513 $1,278
Vineyard $1,866 $1,576
Provo $1,255 $1,060
Pleasant Grove $1,394 $1,177
American Fork $3,052 $2,578
American Fork-Pleasant Grove $1,980 $1,672

Orem, UT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Orem, UT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,043
20 Years $1,601
30 Years $1,233
40 Years $1,186
50 Years $1,099
60 Years $1,114
70 Years $1,297

Orem, UT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Orem, UT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,193 $299
3 Vehicles $3,289 $449
4 Vehicles $4,386 $598

Savings on 2 Vehicles bundle:$299

Savings on 3 Vehicles bundle:$449

Savings on 4 Vehicles bundle:$598


Orem, UT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Orem, UT.

Location Average Insurance Cost Post DUI Insurance Rate
Orem $1,246 $1,895
Provo-Orem $1,608 $2,445
Lindon $1,316 $2,001
Vineyard $1,328 $2,020
Provo $1,231 $1,872
Pleasant Grove $1,258 $1,913
American Fork $1,254 $1,907
American Fork-Pleasant Grove $1,297 $1,973

Orem, UT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,069
Excellent (740-799) $1,220
Good (670-739) $1,298
Average (580-669) $1,694
Poor (300-579) $2,032

Orem, UT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Cathe Cook Allstate 1382 W State Rd, Pleasant Grove, 84062 (801) 796-3424
Antonio Perez Gandica Allstate 1928 N 1120 W, Provo, 84604 (801) 377-2757
Cox Insurance Agency Inc Travelers 920 E STATE RD STE E, AMERICAN FORK, 84003 801-492-9920
Strategic Ins Agency Llc Travelers 807 EAST PACIFIC DR STE A, AMERICAN FORK, 84003 801-374-7444
Insure Right Insurance Agency Liberty Mutual Independent 69 N 490 W, AMERICAN FORK, 84003 (801) 407-8360
Insure Pro Llc Liberty Mutual Independent 12894 S PONY EXPRESS RD STE200 STE 200, DRAPER, 84020 877-467-7762
Deann Fountaine State Farm 11451 S 700 E Ste A, Draper, 84020-8204 801-571-9509
Jed Miner & Assoc Ins Services Inc Travelers 1524 EAST 1110 NORTH, OREM, 84097 801-226-8106
Joyce Olsen-Morgan Allstate 10265 S 1300 E, Sandy, 84094 (801) 571-1777
Neal Dastrup Insurance Inc Travelers 922 S STATE ST, PLEASANT GROVE, 84062 801-785-4343

Orem, UT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$55 $1,301
Driver's Failure In Showing Documents +$121 $1,367
Driving With An Expired Registration +$128 $1,374
Driving At A Considerably Slow Pace +$270 $1,516
Using A Cellphone While Driving +$285 $1,531
Running A Red Light +$290 $1,536
Speeding +$305 $1,551
Driving A Vehicle Without The Required Permission +$388 $1,634
Driving With An Expired/Suspended License +$840 $2,086

Orem, UT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,196
Active Disabling Device $1,196
Tracking Device $1,171
Passive Disabling Device $1,159

Latest Auto Insurance Reviews in Orem, UT | Back to Top

Allstate
I had a great experience with coverage with this company when a deer hit my car last fall. The car was covered with only a $100 deductible and repaired by a major dealership completely.
Farmer's Insurance
The are great with claim management and very fast. They customer service is wonderful. The prices are awesome and the deductibles are typical considering the lower prices of the premiums.
Allstate
I recommend Allstate because they are friendly and professional. They are professionals who are easily reachable and they have always been there for me when I have needed them.
Farm Bureau
Our auto insurance provider offers the same types of insurance that other companies offer: home, auto, life, renter's insurance, flood, etc. I can't really think of anything they do not cover.
Allstate
I love the customer service they answer emails and pick up the phone on the first ring, they are always available to me
Safe Auto Insurance
It's cheapest that I can find. They respond quickly to messages, emails, phone calls, etc. When we have had a claim, I feel like they have treated me pretty fair. They even changed out our carseats after one accident without a fuss.
Bear River Auto Insurance
Similar to above. The thing I like most about the company is it is local. I am also impressed by the prices that they offer. I get a good rate for what I have.
Geico
I have found no fault at all in this company. They gave me an affordable price so I can't complain.