Car Insurance in Provo, Utah
Estimated full coverage in Provo runs about $1,455 a year ($121/month) — ▲ +1% versus the Utah average, ranking 7th most expensive of the 9 Utah cities we cover.
Why car insurance in Provo costs more than the Utah average
Insurers price by territory, and Provo's numbers explain most of the gap. With 115,479 residents on 41.9 square miles, the city's density (2,757 people per square mile) is 2.1 times the density where the typical Utah resident lives (1,292). The average commute is 18.4 minutes (Utah: 22.1), and 57% of workers drive alone. Together these put our location factor at 1.01× the state baseline for liability and collision, and 1.03× for comprehensive once FEMA weather risk for Utah County is included.
| Factor | Provo | Utah ref. | Why it matters |
|---|---|---|---|
| Population density | 2,757 / sq mi | 1,292 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.4 min | 22.1 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 56.5% | — | Share of workers commuting by car. |
| Public transit to work | 5.1% | — | Transit use lowers how much residents drive. |
| Work from home | 16.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 65.7 | 57.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Provo
Rates can change from one ZIP code to the next. Across 4 Provo ZIP codes, our full-coverage estimate ranges from $1,320 in 84604 to $1,540 in 84602. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 84604 | 44,707 | 471 | 17.5 min | 4.4% | $1,320 | −9% |
| 84606 | 35,690 | 3,083 | 18.3 min | 3.4% | $1,460 | 0% |
| 84601 | 32,330 | 2,430 | 20.0 min | 6.2% | $1,465 | +1% |
| 84602 | 2,340 | 13,296 | 15.6 min | 0.0% | $1,540 | +6% |
Minimum car insurance in Provo
Provo drivers follow Utah's rules: at least 30/65/25 liability coverage, personal injury protection. Utah is no-fault. We estimate state-minimum coverage in Provo at $660 a year, and $910 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $65,000 per accident or $90,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $3,000 Personal injury protection of at least $3,000 per person is required and pays medical costs and other benefits regardless of fault. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included unless the named insured affirmatively waives it in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is included unless waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Minimums were raised recently from 25/65/15.
Risk factors that shape Provo premiums
Accidents
Utah recorded 277 traffic deaths, or 0.77 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Utah's vehicle theft rate is 111 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Utah County as very low for hail, relatively moderate for inland flooding and relatively high for strong wind.
Traffic & commuting
3.3% of Provo commuters spend an hour or more getting to work, and there are 2.11 vehicles per household. 16.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 31.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 52.6 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.9 | Comprehensive; dwelling | |
| Winter weather | 93.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Provo by driver profile
A clean-record driver in their 50s pays the least in our Provo model (about $1,340 for full coverage); an 18-year-old on their own policy pays about $4,000, and a DUI pushes a 30-something to $2,690.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,810 | $2,500 | $4,000 | $333 |
| Young adult (22) | $1,055 | $1,455 | $2,330 | $194 |
| Adult in their 30s | $660 | $910 | $1,455 | $121 |
| Adult in their 50s | $605 | $835 | $1,340 | $112 |
| Senior (72) | $735 | $1,020 | $1,630 | $136 |
| 30s, one at-fault accident | $955 | $1,320 | $2,110 | $176 |
| 30s, DUI on record | $1,220 | $1,680 | $2,690 | $224 |
Minimum vs. standard vs. full coverage in Provo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $660 | $55 | $540–$775 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $910 | $76 | $745–$1,075 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,455 | $121 | $1,195–$1,715 |
Estimate your premium in Provo
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Cheap car insurance in Provo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Provo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $75 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 16.1% of Provo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $300 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $545 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $320 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Provo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 18 offices listed below.
- Check complaint records with the Utah Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Provo, our estimates differ by up to $220 a year between neighborhoods.
Car insurance agents near Provo, UT
We found 18 insurance offices within about 5 miles of central Provo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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David Smith - Allstate
595 N 900 E, Provo, UT 84606 -
Blue Mountain Insurance
UT -
Stacy Yunes Insurance Agency, Inc
363 N University Ave, Ste 107, Provo, UT 84601 -
Keystone Insurance Services
980 E 800 N, #204, Orem, UT 84097 -
Chase Powers - Farmers Insurance
244 W 300 S, Provo, UT 84601 -
State Farm
310 South Freedom Boulevard, Provo, UT 84601 -
Craig Baugh Insurance
2230 North University Parkway, #7B, Provo, UT 84604 -
Antonio Perez Gandica - Allstate
1928 N 1120 W, Provo, UT 84604 -
Ryan A Larson - Allstate
3575 N 100 E, Ste 275, Provo, UT 84604 -
Rich Davis - Allstate
1109 S Orem Blvd, Orem, UT 84058 -
Andre Solorzano - American Family Insurance
1143 S Orem Blvd, Orem, UT 84058 -
John Chatwin - GEICO
594 E 800 S, Suite C, Orem, UT 84097 -
Zack Orton - Farmers Insurance
1015 S Orem Blvd, Orem, UT 84058 -
Mr. Insurance LLC
251 East 930 South, Orem, UT 84058 -
Michael G Day - Farmers Insurance
560 S State St, Orem, UT 84058 -
Clinton Caswell - American Family Insurance
1220 N Main St, #12A, Springville, UT 84663 -
State Farm
UT -
Richard S Glazier - Farmers Insurance
248 N Orem Blvd, Orem, UT 84057
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Provo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,110 | −24% |
| Subaru Outback | Wagon | $1,085 | −25% |
| Tesla Model 3 | Midsize car | $1,515 | +4% |
| Subaru Forester | Small SUV | $1,055 | −27% |
| Honda Civic | Compact car | $1,680 | +15% |
| Toyota Corolla | Compact car | $1,580 | +9% |
| Jeep Wrangler | Midsize SUV | $1,290 | −11% |
| Mazda CX-5 | Small SUV | $1,245 | −14% |
| MINI Cooper | Subcompact car | $1,115 | −23% |
| Tesla Model Y | Midsize SUV | $1,365 | −6% |
Car insurance in nearby Utah cities
- Orem $1,530/yr · 5 mi
- Lehi $1,535/yr · 17 mi
- Sandy $1,540/yr · 25 mi
- West Jordan $1,550/yr · 31 mi
- West Valley City $1,535/yr · 36 mi
- Salt Lake City $1,440/yr · 40 mi
- Ogden $1,515/yr · 70 mi
- St. George $1,370/yr · 242 mi
All Utah cities and state rules · Homeowners insurance in Provo
Frequently asked questions
How much is car insurance in Provo, UT?
We estimate full coverage in Provo at about $1,455 a year ($121 a month) for a driver in their 30s with a clean record, and about $660 for Utah's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Provo more expensive than the Utah average?
Our Provo estimate is 1% higher than the statewide figure. The model reflects a population density of 2,757 people per square mile (the typical Utah resident lives at about 1,292) and an average commute of 18.4 minutes versus 22.1 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Provo?
Drivers in Provo follow Utah law: at least 30/65/25 liability coverage plus PIP.
Which ZIP code in Provo has the cheapest car insurance?
Among Provo's 4 ZIP codes, 84604 has the lowest estimate (about $1,320 a year for full coverage) and 84602 the highest (about $1,540), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Provo?
An 18-year-old with their own full-coverage policy would pay around $4,000 a year in Provo by our estimate ($1,810 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Provo?
FEMA's National Risk Index does not rate Utah County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Provo?
We list 18 insurance offices in and around Provo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)
- Utah Code 31A-22-305 (uninsured motorist coverage)
- Utah Code 31A-22-309 (PIP limitations and tort threshold)
- Utah Insurance Department: Auto Insurance
- Utah Driver License Division: SR22 Insurance
- Utah Insurance Department: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Provo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places