Cheapest Car Insurance In Orem, UT 2025
Auto-owners leads as the cheapest provider of minimum coverage car insurance in Orem, with an average cost of $82 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for affordable car insurance in Orem, UT, uncovers a broad range of price points.
Auto-Owners dominates the market for low-cost liability-only coverage. Drivers needing full coverage find State Farm to have the best rates, and young drivers benefit most from Clearcover’s affordable pricing.
Cheapest Car Insurance Companies In Orem, UT 2025







Cheapest Liability-only Car Insurance In Orem: Auto-Owners
With an average monthly rate of $82, Auto-Owners is Orem’s most affordable choice for minimum coverage car insurance.
The following table provides a comparison of rates from various car insurance companies.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners | $82 | $984 |
State Farm | $90 | $1,080 |
GEICO | $97 | $1,164 |
Allstate | $122 | $1,464 |
Nationwide | $135 | $1,620 |
Cheapest Full Coverage Insurance Rates In Orem: State Farm
The cheapest full coverage car insurance in Orem comes from State Farm, with quotes averaging $137 monthly.
Average quotes from Orem’s most budget-friendly insurance providers are shown in the table below.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $137 | $1,644 |
Progressive | $145 | $1,740 |
GEICO | $147 | $1,764 |
Allstate | $186 | $2,232 |
Farmers | $240 | $2,880 |
Cheapest Rates In Orem For Teenagers: Nationwide
Nationwide provides the most budget-friendly car insurance for teenage drivers in Orem, with an average rate of $280 a month.
The table below compares the companies offering the best insurance rates for teenagers.
Provider | Average Monthly Cost | Average Annual Cost |
Nationwide | $280 | $3,360 |
Auto-Owners | $316 | $3,792 |
Farm Bureau | $289 | $3,468 |
Permanent General | $312 | $3,744 |
Cheapest Car Insurance Rates For Seniors: Clearcover
Orem seniors can secure the lowest car insurance rates through Clearcover, averaging $68 per month.
Average quotes from affordable auto insurance companies for seniors are detailed in the table below.
Provider | Average Monthly Cost | Average Annual Cost |
Clearcover | $68 | $816 |
Nationwide | $96 | $1152 |
USAA | $70 | $840 |
State Farm | $121 | $1,452 |
Farm Bureau | $126 | $1,512 |
Cheapest Auto Insurance For Young Adults in Orem: Clearcover
For young adults in Orem, Clearcover is the most economical option, with an average rate of $76 per month.
The table below shows the best auto insurance rates for young adults in Orem.
Provider | Average Monthly Cost | Average Annual Cost |
Clearcover | $76 | $912 |
Nationwide | $114 | $1,368 |
ACCC | $117 | $1,404 |
USAA | $78 | $936 |
Farm Bureau | $125 | $1,500 |
Cheapest Car Insurance In Orem For Good Drivers: Auto-Owners
Auto-Owners offers the cheapest car insurance for good drivers in Orem, with rates around $82 monthly.
The table below helps good drivers find average quotes from the most affordable insurance companies.
Provider | Average Monthly Cost | AverageAnnual Cost |
Auto-Owners | $82 | $984 |
State Farm | $90 | $1,080 |
GEICO | $97 | $1,164 |
Allstate | $122 | $1,464 |
Nationwide | $135 | $1,620 |
Find affordable Orem rates
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers with an at-fault accident, State Farm offers the best rates in Orem, averaging $119 per month.
These car insurance companies offer the cheapest premiums for drivers who have caused an at-fault accident.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $119 | $1,428 |
GEICO | $130 | $1,560 |
American Family | $153 | $1,836 |
Allstate | $162 | $1,944 |
Nationwide | $180 | $2,160 |
Cheapest Rates In Orem For Drivers After A DUI: State Farm
At $146 per month, State Farm provides the most affordable car insurance for drivers in Orem following a DUI.
The table below highlights the most budget-friendly car insurance options for Orem drivers with a DUI.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $146 | $1,752 |
American Family | $185 | $2,220 |
Allstate | $197 | $2,364 |
GEICO | $156 | $1,872 |
Nationwide | $216 | $2,592 |
Cheapest Car Insurance In Orem After A Speeding Ticket: Auto-owners
Auto-owners’s average rate of $110 per month is among the lowest in Orem for drivers with a speeding ticket.
For drivers with a speeding ticket, use the table below to find average rates.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-owners | $110 | $1,320 |
Progressive | $156 | $1,872 |
State Farm | $145 | $1,740 |
American Family | $185 | $2,220 |
Allstate | $197 | $2,364 |
Best Car Insurance Companies In Orem
Orem drivers can secure affordable car insurance with AAA for $83 a month. Progressive at $90 and GEICO at $93 are additional cost-effective choices.
Below are the top 10 auto insurance companies in Orem, UT, sorted by their average monthly premium rates.
Company | Monthly Premium |
Auto-Owners | $82 |
State Farm | $90 |
GEICO | $97 |
Allstate | $122 |
Nationwide | $135 |
American Family | $54 |
Farmers | $160 |
Safeco | $124 |
Dairyland | $117 |
National General | $98 |
Average Rates In Orem – By Vehicle
Your car’s make, model, and age are key factors that influence your insurance rates. Newer cars, especially those with advanced technology or luxury features, often carry higher premiums due to their higher replacement and repair costs.
The table below lists the average insurance premiums in Orem for different types of vehicles.
Vehicle | Average Monthly Rate |
Honda Cr-V | $194 |
Dodge Avenger | $129 |
Ford F350 | $417 |
Dodge Charger | $385 |
Average Auto Insurance Rates In Orem – By Age
The age of a driver is one of the most important factors in calculating car insurance rates. Teenagers usually face higher premiums because of their inexperience, with an average annual cost of about $3,267.
Drivers can expect lower insurance rates starting at age 25, provided they have a clean driving record.
Age plays a major role in insurance pricing, and drivers in their 50s and early 60s tend to get the best rates due to their experience and lower risk of claims.
Age | Average Yearly Rate |
Teenagers | $3,267 |
20s | $1,767 |
30s | $1,378 |
40s | $1,516 |
50s | $1,101 |
60s | $1,273 |
70s | $1,154 |
Average Cost Of Auto Insurance In Orem – By Zip Code
Insurance companies take zip codes into account to evaluate crime rates in your area, meaning car insurance premiums can vary by zip code.
You can refer to the table below for the average insurance rates in Orem by zip code.
City | Average Monthly Rate |
84097 | $119 |
84059 | $130 |
84057 | $131 |
84045 | $132 |
84058 | $127 |
How Much Is Car Insurance In Other Cities in Utah?
Your car insurance premiums are often higher in urban areas due to the increased likelihood of accidents, theft, and vandalism, all of which insurers factor into their calculations.
Sandy drivers can expect to pay an average of $214 per month for car insurance, whereas Provo residents average $120 per month.
City | Average Monthly Rate |
Cedar City | $178 |
Logan | $186 |
Bountiful | $201 |
Sandy | $214 |
Clearfield | $206 |
Ogden | $208 |
Provo | $120 |
Layton | $198 |
Park City | $197 |
Hildale | $184 |
Find affordable Orem rates
Our Methodology
After reviewing customer service, product availability, pricing, and user experiences across different online platforms, I’ve created a comprehensive report on the car insurance providers in Orem, UT.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Orem?
The best car insurance rates in Orem for minimum coverage are from Auto-Owners, while State Farm offers the most affordable full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Orem?
Car insurance in Orem generally costs about $130 per month, although your premium may differ based on factors like your zip code, car year, model, and driving record.