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.

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Updated: 26 January 2025
Written by Bob Phillips
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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 Car Insurance, Orem, 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

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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

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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.

107

Quotes Analyzed

31

Brands Reviewed

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Years Of Experience

30+

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.

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