Cheap Car Insurance in Provo, UT
Free Auto Insurance Comparison
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UPDATED: Jul 19, 2021
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Provo is a truly dynamic city located in the northern-central region of Utah. Its economic diversity is marked by the presence of its thriving agriculture, tourism, and high-technology industries, as well as its iron and steel manufacturing base. Additionally, citizens tend to be highly educated and enjoy some of the lowest crime rates and housing costs when compared to similarly-sized US cities.
- Fun fact: Youth isn’t wasted on Provo, because it is #3 on the list of “Top 100 cities with youngest residents (pop. 50,000+)”. Thinking of getting to know more about Provo? Click here!
Auto Insurance Coverage Requirements in Utah
Driving legally in Provo requires:
|Bodily Injury Liability||25,000/65,000||100,000/300,000|
|Property Damage Liability||15,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||10,000/20,000|
|Personal Injury Protection||Not required||Utah basic plan/ $3,000 medical|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||1000 deductible|
Think Liability coverage is all you need? Well, you might want to think again. Liability coverage won’t pay a dime in many situations, such as being the victim of a hit-and-run, getting your vehicle stolen, or suffering damage from severe weather. You could be 100% responsible for those costs if all you’re carrying is Liability coverage.
A Your typical Provo resident might be riding around with a monthly $99 burden just to stay legally covered, which is the state average for Utah motorists. But right now, you can lower that to $34/mo*! Let us show you how to take advantage of deals on Utah auto insurance.
If you’re thinking about making a switch based on price alone, then you’ll want to look into companies like Unigard or Allied. Just remember that there are other important factors, such as customer service and discount availability, which might make a lower premium less attractive if the other parts of their business aren’t in order.
Those that underwrite auto insurance plans contemplate many elements when establishing insurance prices, which includes marital status, driving violations, your credit report, miles driven each year, and theft protection devices. On top of that, premiums might differ from one company to another. To confirm that you’re still receiving the best cost, assess cheap Provo auto insurance premiums via the internet.
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Major Car Insurance Factors in Provo
There are lots of ways in which your car insurance rate can be determined. But not all of it is out of your control; there are actions you can take so that you can impact what discounts you are entitled to acquire. The following are a few of these elements in greater detail:
Your Zip Code
Budget friendly car insurance is usually associated with urban centers which have a lower population density. Since there are a lesser number of automobiles cruising the road, there are fewer chances to get involved in a serious car crash with a different individual. The population of Provo is 116,288 and the usual household earnings are $38,877.
Thankfully, the rate of serious accidents in Provo is very low. And there’s another reason why this is good news, aside from the obvious – your insurance provider is probably charging you a discounted rate right now based on these statistics.
Auto Thefts in Provo
Virtually all insurance agencies are worried about auto theft; this runs specifically true for individuals who reside in large metropolitan areas. The larger the number of people, the greater the likelihood you will have to submit an automobile theft claim. In recent years, there were only 108 stolen cars in Provo. And although this means auto theft is highly unlikely, adding Comprehensive protection to your insurance policy is the only fool-proof way to protect yourself and your vehicle.
Your Credit Score
Having poor credit will make many aspects of your life more difficult and expensive than they probably should be – and automotive insurance is one of those things. With poor credit, you can expect a significant increase in premium costs. And in Provo, State Farm is the worst offender.
And if you think poor credit will raise your rates, the truth is that a poor credit score can’t even hold a candle to how much more you can expect to pay for being a college-age student, or worse – a teenager. Try to make sure you get good grades and take a driver’s education course, because there are discounts available for those.
Your Driving Record
Insurance companies calculate your rate based on their financial risk. If you have violations on your driving record, the more likely they will have to pay for repairs or to replace your vehicle after a future accident. However, some companies are offering “accident forgiveness” discounts for those motorists who have a minor blemish or two on their record.
Whether you are legally required to or not, it’s a good idea to purchase as much insurance coverage as you will need to protect your vehicle in every possible scenario. Therefore, the more it would cost to repair or replace your vehicle, the more coverage you will need to buy – and the higher your premiums will be as a result.
Minor Car Insurance Factors in Provo
Don’t forget that one or several of the factors below can also make a difference in your monthly rate:
Your Marital Status
Married couples get lots of financial perks, and insurance bundling is one of them. Although single drivers can bundle various insurance policies together for savings too, married couples will get the most out of it, because there is more of everything to bundle!
Insurance companies like hard, raw data. And with regard to gender and driving, there is very little scientific data which definitively says one gender should be charged more than the other based on proven risk. This is why many companies are phasing out the practice of calculating rates based on gender.
Your Driving Distance to Work
Commute times are highly manageable in Provo, with average trips only lasting about 13 to 21 minutes each way. Additionally, there are fewer cars on the road than in most large cities; only about 63% of residents drive themselves to the workplace in their own truck or car. Around 5-21% carpool, and another 13% are more likely to walk to work.
If you think driving fewer miles annually will save you money on your premiums, you’re correct – but only to an extent. In order to get even a 3-5% discount, you’d have to drive at least 5,000 fewer miles than you did the previous year. That’s at least 14 miles each day, just for a minor rate reduction.
Your Coverage and Deductibles
If you want a lower monthly premium, you can try raising your deductible. Just put a little money aside, in case the worst happens. Because if you raise your deductible and then find yourself in need of filing a claim, you will have to pony up that cash before your vehicle gets fixed or replaced.
Education in Provo, UT
Provo is well-known for being a highly educated city, and they have the numbers to prove it – nearly one quarter of their entire population has successfully completed a bachelor’s degree. An additional 23% have at least one year of college experience. What does this mean for your auto insurance rate? Savings, if you are in this highly-educated majority.
Brigham Young University, also known as BYU, is one of the largest schools in Utah and is also the largest private institution for higher learning in the US. The university is owned by the Mormon Church and educates more than 32,000 students each term. There is also the Utah Valley State College, which offers nearly a dozen different bachelor’s degrees ranging from chemistry to hospitality management. Additionally, residents can look into the Stevens Henager College of Business to learn entry-level office skills.
Car insurance is likely one of the most important investment decisions you may make as an individual. You must be sure to come across a truthful, accountable company who’s going to follow through on their assurances. A number of car insurance agencies happen to be much better at this as opposed to others, and conducting a rigorous internet based hunt can help you divide the good from the unfavorable.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Start comparing rates immediately. It only takes a few minutes, and you will save a lot of money!