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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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Orem after a DUI is USAA
  • The cheapest car insurance company in Orem for teen drivers is USAA
  • Average car insurance rates in Orem, UT are $334/month

Average car insurance rates in Orem, Utah are $334 a month. But with a little research you can get a great deal from the top car insurance companies in Orem, UT. Before you buy Orem, Utah car insurance, make sure your coverage meets or exceeds the Utah minimum of 25/65/15.

It may even be helpful to compare Orem car insurance rates with Provo car insurance rates, Layton car insurance rates, or West Valley City car insurance rates to make sure you’re getting the best Orem, UT car insurance quotes available.

Need affordable Orem, UT car insurance? Enter your ZIP code to compare Orem car insurance quotes from multiple car insurance companies near you.

Orem, UT Minimum Car Insurance Coverage

Orem, Utah law requires drivers carry a minimum of 25/65/15 coverage. Take a look at the breakdown of the minimums here.

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

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Orem, UT Car Insurance Rates by Coverage Level

Some Orem drivers can get by with the Utah minimum coverage of 25/65/15. Other drivers may need more. See how much your Orem, Utah car insurance rates may be based on the coverage you need.

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

Orem, UT Car Insurance Rates by Age, Gender, and Marital Status

Orem, Utah car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Orem, UT car insurance, get quotes from multiple car insurance companies in the Orem area and see how these criteria affect your 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

Orem, UT Car Insurance Rates for Teens

How much is Orem, Utah car insurance for teens? Compare rates from top Orem car insurance companies below to help find the cheapest teen car insurance in Orem, UT.

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

Orem, UT Car Insurance Rates for Seniors

Before seniors buy Orem, Utah car insurance, they should make sure to shop around. Some Orem, UT car insurance companies may offer discounts or other savings options for senior car insurance.

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

Orem, UT Car Insurance Rates by Credit History

How does your credit history affect Orem, UT car insurance rates? Review the numbers here to find out.

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

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Orem, UT Car Insurance Rates by Driver History

How does a single speeding ticket affect your Orem, Utah car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Orem.

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

Orem, UT Car Insurance Rates With a DUI

Even a single DUI can increase your Orem, UT car insurance rates. Compare rates below to see which Orem car insurance company has the best rates for drivers with a DUI.

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

Orem, UT Car Insurance Rates by ZIP Code

Just like Orem car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Orem, UT car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Orem, Utah

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

Orem, UT Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Orem, UT car insurance rates may be. Let’s take a look at average car insurance rates from top Orem companies based on commute time.

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

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Orem, UT Cheapest Car Insurance Rates

How do the top Orem, Utah car insurance companies’ average rates stack up against the Orem average monthly car insurance rates of $334? Take a look and see.

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

Orem, UT Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Orem, Utah car insurance companies to help you find one that best fits 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

Other Factors Affecting Orem, UT Car Insurance Rates

Before you buy Orem, Utah car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Orem, UT Commute Time

How does your Orem, UT commute time compare with the average driver? In Orem, the average commute is 19.0 minutes.

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Orem, UT Car Insurance Quotes

Compare Orem, UT car insurance quotes from multiple companies by entering your ZIP code now.