Compare Orem, UT Car Insurance Rates (2021)

Car insurance in Orem, UT averages $334 a month. Orem, Utah car insurance requirements are 25/65/15, but you might need full coverage insurance if your car is financed. To find cheap Orem car insurance rates, compare quotes from the top car insurance companies in Orem, UT.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Orem is USAA
  • The cheapest car insurance company in Orem for teen drivers is USAA
  • Average car insurance rates in Orem, UT after a DUI are $4,567/year

If you need to buy Orem, Utah car insurance, the options can be confusing. Everything you need to know about car insurance in Orem, UT is right here.

You’ll find Orem car insurance rates, the cheapest Orem, UT car insurance companies, and information on Utah car insurance laws. You can also compare Orem, Utah car insurance rates to Orem car insurance rates, West Valley City car insurance rates, and South Jordan car insurance rates.

Ready to find affordable Orem, UT car insurance today? Enter your ZIP code for fast, free Orem car insurance quotes.

Cheapest Orem, UT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Orem, UT car insurance rates? Every Orem, Utah car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Orem, Utah

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,712 $2,502 $2,472 $2,472 $8,804 $9,871 $2,864 $2,837
American Family $2,271 $2,271 $2,095 $2,095 $8,288 $10,741 $2,271 $2,660
Farmers $2,208 $2,179 $1,949 $2,080 $9,508 $9,790 $2,499 $2,574
GEICO $2,012 $2,241 $2,238 $2,628 $6,084 $6,467 $1,740 $1,724
Liberty Mutual $2,639 $2,840 $2,182 $2,434 $10,857 $12,052 $2,776 $2,940
Nationwide $2,005 $2,020 $1,794 $1,882 $5,559 $7,049 $2,329 $2,491
Progressive $2,270 $2,097 $1,863 $1,982 $9,570 $10,646 $2,619 $2,760
State Farm $3,292 $3,292 $3,017 $3,017 $10,402 $12,936 $3,742 $4,282
USAA $1,529 $1,501 $1,376 $1,371 $5,461 $6,372 $1,857 $2,032

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Minimum Car Insurance in Orem, UT

Every driver must carry the minimum car insurance in Orem, UT. Take a look at the Utah car insurance requirements.

Minimum Required Car Insurance Coverage in Orem, Utah

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$65,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Orem, UT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Orem, UT. Compare credit history car insurance rates in Orem from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Orem, Utah

Insurance Company Poor Fair Good
Allstate $5,768 $3,881 $3,301
American Family $5,139 $3,854 $3,266
Farmers $4,681 $3,905 $3,709
GEICO $4,792 $2,651 $1,982
Liberty Mutual $6,895 $4,267 $3,358
Nationwide $3,870 $2,952 $2,602
Progressive $4,756 $4,100 $3,823
State Farm $8,955 $4,501 $3,037
USAA $3,851 $2,458 $1,753

Cheapest Orem, UT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Orem, UT to rates for a clean record with top companies.

Annual Orem, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,620 $4,385 $5,159 $4,103
American Family $3,359 $4,210 $4,989 $3,787
Farmers $3,485 $4,539 $4,407 $3,962
GEICO $2,244 $3,529 $4,178 $2,615
Liberty Mutual $3,778 $5,215 $5,602 $4,765
Nationwide $2,495 $3,356 $3,931 $2,782
Progressive $3,564 $5,437 $3,732 $4,170
State Farm $4,978 $6,017 $5,498 $5,498
USAA $2,107 $2,675 $3,605 $2,363

Cheapest Orem, UT Car Insurance for Teen Drivers

Teen car insurance in Orem, UT can be expensive. Take a look at rates from the top car insurance companies in Orem for teenagers.

Annual Car Insurance Rates for Teen Drivers in Orem, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,804 $9,871
American Family $8,288 $10,741
Farmers $9,508 $9,790
GEICO $6,084 $6,467
Liberty Mutual $10,857 $12,052
Nationwide $5,559 $7,049
Progressive $9,570 $10,646
State Farm $10,402 $12,936
USAA $5,461 $6,372

Cheapest Orem, UT Car Insurance for Seniors

Take a look at Orem, UT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Orem, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,472 $2,472
American Family $2,095 $2,095
Farmers $1,949 $2,080
GEICO $2,238 $2,628
Liberty Mutual $2,182 $2,434
Nationwide $1,794 $1,882
Progressive $1,863 $1,982
State Farm $3,017 $3,017
USAA $1,376 $1,371

Cheapest Orem, UT Car Insurance Rates After a DUI

A DUI in Orem, UT increases car insurance rates. Compare Orem, Utah DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Orem, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,159
American Family $4,989
Farmers $4,407
GEICO $4,178
Liberty Mutual $5,602
Nationwide $3,931
Progressive $3,732
State Farm $5,498
USAA $3,605

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Cheapest Orem, UT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Orem, UT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Orem, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,317 $4,317
American Family $4,084 $4,089
Farmers $4,098 $4,098
GEICO $3,092 $3,192
Liberty Mutual $4,763 $4,917
Nationwide $3,141 $3,141
Progressive $4,226 $4,226
State Farm $5,354 $5,641
USAA $2,658 $2,717

Cheapest Orem, UT Car Insurance Rates by ZIP Code

Orem car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Orem, UT.

Annual Car Insurance Rates by ZIP Code in Orem, Utah

ZIP Code Average Annual Rates
84057 $4,022
84058 $3,955
84097 $4,035

The Best Cheap Car Insurance Companies in Orem, UT

Take a look at a side-by-side comparison of the top car insurance companies in Orem, UT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Orem, Utah

Insurance Company Average Annual Rates
Allstate $4,317
American Family $4,086
Farmers $4,098
GEICO $3,142
Liberty Mutual $4,840
Nationwide $3,141
Progressive $4,226
State Farm $5,498
USAA $2,687

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Category Winners: Cheapest Car Insurance in Orem, Utah

Find the cheapest car insurance companies in Orem, UT for each category right here.

Best Annual Car Insurance Rates by Company in Orem, Utah

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Orem, UT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Orem car insurance rates. Find the cheapest Orem, UT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Orem, Utah

Insurance Company Low Medium High
Allstate $4,129 $4,308 $4,513
American Family $3,954 $4,140 $4,165
Farmers $3,740 $4,040 $4,515
GEICO $2,903 $3,132 $3,391
Liberty Mutual $4,588 $4,821 $5,110
Nationwide $3,422 $2,987 $3,015
Progressive $3,840 $4,060 $4,778
State Farm $5,116 $5,517 $5,859
USAA $2,561 $2,690 $2,811

What affects car insurance rates in Orem, Utah?

What factors can have an impact on Orem, UT car insurance? There are several reasons why Orem car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Orem, Utah.

Commute Time in Orem

The more time you spend in your car the higher the risk of an accident. The average commute length in Orem, UT is 19.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Orem, UT

Ready to find affordable Orem, Utah car insurance today? Enter your ZIP code for fast, free Orem, UT car insurance quotes.

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