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

Zimlon, through its research, found that car owners in Provo, 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.

Ways to Lower the Cost of Auto Insurance in Provo, UT

The average cost of auto insurance in Provo, UT, is $1,231. This is lower than in most neighboring places such as Palmyra, Lindon, Springville, Provo-Orem, and Vineyard. Residents of Provo should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Provo.

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. On the other hand, State Farm offers discounts when a driver goes 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.  

The cost of auto insurance in Provo, UT, post-DUI, increases to $1,872. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Provo. Other violations that can have a long-term impact on auto insurance in Provo include driving with an expired license and running a red light. The former leads to an increase of $830, while the latter leads to an increase of $302.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

Car owners in Provo, UT, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Provo, UT, is $2,093, while it would cost $4,185 for four cars. The savings on multi-car insurance in Provo also depends on the make and model of the vehicle.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Provo for a Ford Expedition Ranch on a low deductible ($500) is $1,255. It decreases to $1,060 when the deductible is higher ($1,000).

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Provo, UT. While an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance when the credit score is exceptional is as low as $1,056, while it can go up to $2,008 when the credit score is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. A passive disabling device fetches the most amount of savings. 

Factors that can influence the cost of car insurance in Provo, 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.

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

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

	Provo	Palmyra	Lindon	Springville	Provo-Orem	Vineyard
Average Insurance Rates	$1,231	$1,274	$1,316	$1,243	$1,608	$1,328

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Provo, 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 Provo, 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)
Provo	$1,255	$1,060
Provo-Orem	$1,283	$1,084
Orem	$1,535	$1,296
Springville	$1,468	$1,240
Palmyra	$1,505	$1,271
Vineyard	$1,866	$1,576
Lindon	$1,513	$1,278
Utah County	$1,089	$920

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

Teenagers in Provo, 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	$3,994
20 Years	$1,582
30 Years	$1,218
40 Years	$1,172
50 Years	$1,085
60 Years	$1,101
70 Years	$1,281

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

Car owners in Provo, 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	$2,093	$369
3 Vehicles	$3,139	$554
4 Vehicles	$4,185	$739

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Provo, 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 Provo, UT.

Location	Average Insurance Cost	Post DUI Insurance Rate
Provo	$1,231	$1,872
Provo-Orem	$1,608	$2,445
Orem	$1,246	$1,895
Springville	$1,243	$1,890
Palmyra	$1,274	$1,938
Vineyard	$1,328	$2,020
Lindon	$1,316	$2,001
Utah County	$1,261	$1,918

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Provo, 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)	$1,056
Excellent (740-799)	$1,206
Good (670-739)	$1,283
Average (580-669)	$1,673
Poor (300-579)	$2,008

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Provo, 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
Ryan A Larson	Allstate	1415 N State St, Orem, 84057	(801) 225-2000
Maple Mountain Insurance Service	Travelers	15 North 1600 West, Mapleton, 84664	None
The Millward Agency Inc	Liberty Mutual Independent	11142 HIGHLAND BLVD STE 300, HIGHLAND, 84003	(801) 216-4545
Bryan Johnson	State Farm	378 West 1230 North, Provo, 84604-3319	801-373-5740
L A Bowen Insurance Agency Inc	Liberty Mutual Independent	1345 WEST 1600 NORTH, OREM, 84057	801-225-2442
Jed Miner & Associates	None	1524 E 1110 No, Orem, 84097	None
Joshua Questereit	Allstate	8538 S 1300 E, Sandy, 84094	(801) 604-4518
Astwood Insurance Llc	Liberty Mutual Independent	287 E 950 S, OREM, 84058	(801) 224-0165
Marc Hidden	Liberty Mutual	764 E. Winchester Street Ste 100, Salt Lake City, 84107	1-801-685-0515
Charlene Long	State Farm	1332 E 3300 S, Salt Lake Cty, 84106-3012	801-487-5446

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Provo, 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	+$54	$1,285
Driver's Failure In Showing Documents	+$119	$1,350
Driving With An Expired Registration	+$127	$1,358
Driving At A Considerably Slow Pace	+$267	$1,498
Using A Cellphone While Driving	+$282	$1,513
Running A Red Light	+$287	$1,518
Speeding	+$302	$1,533
Driving A Vehicle Without The Required Permission	+$383	$1,614
Driving With An Expired/Suspended License	+$830	$2,061

Provo, 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	$1,182
Active Disabling Device	$1,182
Tracking Device	$1,157
Passive Disabling Device	$1,145

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