Best Cheap Auto Insurance in Orem, UT (2021)

The average Orem, UT auto insurance rates are $334 per month. The minimum auto insurance in Orem is at least 25/65/15 in coverage to comply with Utah auto insurance laws. To find the best cheap auto insurance in Orem, Utah, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Orem, Utah is 25/65/15
  • Average auto insurance rates in Orem, UT for senior drivers are $2,164 per year
  • The average commute length in Orem is 19.0 minutes

Orem, Utah auto insurance requirements are 25/65/15 according to Utah auto insurance laws. Finding cheap auto insurance in Orem can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Orem, Utah, including driving record, credit, commute time, and more.

Compare auto insurance in Orem to other Utah cities, including Salt Lake City auto insurance rates, Orem auto insurance rates, and South Jordan auto insurance rates to see how Orem, Utah auto insurance rates stack up.

Before you buy Orem, Utah auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Orem, Utah auto insurance quotes.

Minimum Auto Insurance in Orem, Utah

Orem, Utah auto insurance laws require that you have at least the Utah minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Orem, Utah.

Minimum Required Auto 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

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Cheap Orem, Utah Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Orem, Utah are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Orem, Utah Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Orem, Utah is a challenge. Take a look at the annual teen auto insurance rates in Orem, Utah.

Annual Auto 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

Cheap Orem, Utah Auto Insurance for Seniors

What are senior auto insurance rates in Orem, Utah? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Orem, Utah Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Orem, Utah compared to the annual auto insurance rates with a clean record in Orem, Utah.

Annual Orem, Utah Auto 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

Cheap Orem, Utah Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Orem, Utah is not easy. Compare the annual rates for DUI auto insurance in Orem, Utah to find the best deal.

Annual Auto Insurance Rates After a DUI in Orem, Utah

Insurance Company Annual Auto 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

Cheap Orem, Utah Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Orem, Utah annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Orem, Utah Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Orem, Utah can vary. Compare the annual cost of auto insurance by ZIP code in Orem, Utah to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Orem, Utah

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

Cheap Orem, Utah Auto Insurance Rates By Commute

Commute length and annual mileage affect Orem, Utah auto insurance. Find the cheapest annual Orem, Utah auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Orem, Utah

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Orem, Utah Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Orem, Utah? Check out the comparison of annual Orem, Utah auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Orem, Utah

Compare the cheapest auto insurance companies in Orem, Utah in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Orem, Utah Auto Insurance Companies

What auto insurance companies in Orem, Utah are the cheapest? Compare the top Orem, Utah auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Orem, Utah?

There are a lot of reasons why auto insurance rates in Orem, Utah are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Orem, Utah. Many local factors may affect your Orem auto insurance rates.

Orem Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Orem, Utah commute length is 19.0 minutes according to City-Data.

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Compare Orem, Utah Auto Insurance Quotes

Before you buy Orem, Utah auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Orem, Utah auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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