Car Insurance in Orem, UT (2025 Rates + Cheapest Autos)

How much will auto insurance cost in Orem, Utah? We rank over 120 models from six automotive segments to find the vehicles with cheap car insurance quotes.

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  • The average cost of car insurance in Orem is 2.7% more than the national average rate of $2,221.
  • Orem car insurance costs $20 per year more than the Utah state average rate ($2,262) and $61 per year more than the average rate for all 50 U.S. states ($2,221).
  • Auto insurance rates for a few popular models in Orem include the Toyota RAV4 at $175 per month, Honda CR-V at $162, and Tesla Model 3 at $224.
  • Compact crossovers like the Subaru Crosstrek, Nissan Kicks, Toyota Corolla Cross, and Ford Bronco Sport are the best options for cheap car insurance in Orem.
  • Models with the most affordable car insurance in Orem for their segment include the Nissan Titan, Chevrolet Tahoe, Honda Passport, and Toyota GR Corolla.

How much is car insurance in Orem, UT?

In Orem, the average car insurance cost is $2,282 per year, which is 2.7% more than the overall U.S. national average rate of $2,221. Per month, Orem drivers can expect to pay an average of $190 for full coverage.

In the state of Utah, average auto insurance cost is $2,262 per year, so the average cost in Orem is $20 more per year. The cost to insure a car in Orem compared to other Utah locations is around $26 per year cheaper than in West Jordan, $28 per year more than in Provo, and $138 per year cheaper than in West Valley City.

Driver age has a big impact on the cost of car insurance, so the list below details how driver age influences cost by breaking out average car insurance rates for young, middle-age, and senior drivers.

Car insurance cost in Orem, Utah, for drivers age 16 to 60

  • 16 year old – $8,132 per year or $678 per month
  • 17 year old – $7,880 per year or $657 per month
  • 18 year old – $7,060 per year or $588 per month
  • 19 year old – $6,432 per year or $536 per month
  • 20 year old – $4,594 per year or $383 per month
  • 30 year old – $2,434 per year or $203 per month
  • 40 year old – $2,282 per year or $190 per month
  • 50 year old – $2,026 per year or $169 per month
  • 60 year old – $1,896 per year or $158 per month

The chart below shows a summary of car insurance rates in Orem for 2024 model year vehicles, averaged for a variety of driver ages, deductibles, and risk profiles.

Average car insurance rates in Orem for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Orem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,252$438
Safe Driver Age 20$4,594$383
At-fault Accidents Age 40$3,234$270
Low Deductibles Age 40$2,986$249
Safe Driver Age 30$2,434$203
Safe Driver Age 40$2,282$190
Safe Driver Age 50$2,026$169
High Deductibles Age 40$1,920$160
Discount Rate Age 40$1,898$158
Safe Driver Age 60$1,896$158

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the chart above range from $1,898 per year for a 40-year-old driver who receives many policy discounts to $5,252 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents.

When that data is converted to a monthly rate, the average cost of car insurance per month in Orem ranges from $158 to $438.

The auto insurance rates mentioned previously are the average cost across all 2024 model year vehicles, which is handy for making broad comparisons like between locations or by driver risk profile.

But for more in-depth car insurance comparisons, we need to look at the specific make and model of vehicle being insured. In the next few article sections, we delve deep into rates for specific vehicles, but for now, let’s just look at a handful of the more popular vehicles to see how auto insurance prices stack up in Orem.

The chart below shows average auto insurance cost for a small sample of popular cars, pickups, and SUVs on the streets of Orem.

Average cost to insure popular 2024 model year vehicles in Orem.
Figure 2: Average cost to insure popular 2024 model year vehicles in Orem. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Orem Zip Codes.

Orem, Utah Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,688$141
Honda CR-V$1,948$162
Honda HR-V$1,986$166
Honda Civic$2,024$169
Nissan Rogue$2,052$171
Ford Explorer$2,074$173
Ford Escape$2,082$174
Chevrolet Equinox$2,102$175
Toyota RAV4$2,104$175
Chevrolet Traverse$2,130$178
Ford Ranger$2,182$182
Toyota Corolla$2,222$185
Honda Pilot$2,224$185
Kia Forte$2,230$186
Hyundai Santa Fe$2,324$194
Toyota Camry$2,454$205
Hyundai Elantra$2,480$207
Ford Mustang$2,510$209
Chevrolet Silverado$2,524$210
Ford Bronco$2,532$211
Ford F150$2,556$213
Ram Truck$2,642$220
Chevrolet Corvette$3,162$264

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Orem, UT Zip Codes. Updated June 26, 2025

The vehicle models that sell well in Orem tend to be small or midsize sedans like the Nissan Sentra, Hyundai Elantra, and Honda Accord and compact or midsize SUVs like the Toyota RAV4, Nissan Rogue, and Ford Explorer.

Other popular vehicles from other vehicle segments include luxury models like the Infiniti Q50 and Infiniti QX60, pickup trucks like the Chevy Silverado and Ford Ranger, and sports cars like the Ford Mustang and Nissan GT-R.

We will cover additional rates coming up, but before that, let’s review some of the key concepts covered in the data above.

  • Car insurance rates fall substantially in your twenties – The average 30-year-old Orem driver will pay $2,160 less annually than a 20-year-old driver, $2,434 compared to $4,594.
  • Auto insurance gets more affordable as you age – Insurance rates for a 50-year-old driver in Orem are $2,568 per year cheaper than for a 20-year-old driver.
  • Auto insurance with low deductibles costs more – A 30-year-old driver pays an average of $618 more per year for $250 deductibles compared to $1,000 deductibles.
  • Cost per month ranges from $158 to $678 – That’s the average auto insurance price range for drivers age 16 to 60 in Orem, Utah.
  • Insuring teen drivers can cost a lot – Average cost can range from $5,438 to $8,132 per year for teen driver car insurance in Orem, UT.
  • Orem, UT, car insurance costs more than the U.S. average – $2,282 (Orem average) compared to $2,221 (U.S. average)

What vehicles have cheap car insurance in Orem, UT?

The models with the best insurance quotes in Orem, UT, tend to be small SUVs like the Kia Soul, Chevrolet Trailblazer, Toyota Corolla Cross, and Nissan Kicks.

Average insurance prices for those models cost $1,856 or less per year, or $155 per month, for a policy with full coverage.

Some additional vehicles that have low-cost insurance rates in our car insurance cost comparison are the Honda HR-V, Kia Niro, Subaru Outback, and Buick Envista.

Average insurance cost is marginally higher for those models than the cheapest compact SUVs at the top of the list, but they still have an average insurance cost of $1,986 or less per year.

The next table shows the top 20 cheapest vehicles to insure in Orem, sorted by average cost.

Top 20 Cheapest Car Insurance Rates in Orem, UT
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,688$141
2Chevrolet Trailblazer$1,716$143
3Kia Soul$1,782$149
4Nissan Kicks$1,800$150
5Honda Passport$1,818$152
6Buick Envision$1,832$153
7Toyota Corolla Cross$1,840$153
8Hyundai Venue$1,856$155
9Mazda CX-5$1,864$155
10Ford Bronco Sport$1,870$156
11Volkswagen Tiguan$1,890$158
12Acura RDX$1,910$159
13Nissan Murano$1,920$160
14Buick Encore$1,940$162
15Subaru Outback$1,946$162
16Honda CR-V$1,948$162
17Buick Envista$1,952$163
18Volkswagen Taos$1,956$163
19Kia Niro$1,968$164
20Honda HR-V$1,986$166

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Orem, UT with the Subaru Crosstrek ranking first at $1,688 per year
Top 20 cheapest vehicles to insure in Orem, UT with the Subaru Crosstrek ranking first at $1,688 per year

A table showing 20 vehicles with the cheapest insurance in Orem is great if you’re just looking for low rates. Considering we track over 700 vehicles, less than 3% of total vehicles are shown. Let’s try a different approach and list the vehicles with the best rates in a more sensible format, by automotive segment.

This next section talks about the cost of insurance based on different automotive segments. These rates should give you a good understanding of which types of vehicles have the cheapest rates. Then the sections after the chart will break out the 20 vehicles with the cheapest insurance rates in each segment.

Orem car insurance rates by vehicle segment

If you’re looking around at new or used cars, it’s useful to have a basic understanding of which kinds of vehicles are more affordable to insure. As an example, maybe you’re curious if minivans are cheaper to insure than SUVs or if midsize pickups are more affordable to insure than full-size pickups.

The next chart shows average auto insurance rates in Orem for different vehicle segments. From an overal segment perspective, small SUVs and midsize pickups have the best rates, while exotic high-performance models have the highest average cost of insurance.

Car insurance average cost by automotive segment in Orem, UT.
Figure 3: Car insurance average cost by automotive segment in Orem, UT. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Orem Zip Codes.

Car Insurance Rates by Automotive Segment in Orem, UT
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,098$175
Midsize SUV$2,254$188
Compact Car$2,256$188
Minivan$2,258$188
Midsize Pickup$2,306$192
Midsize Car$2,330$194
Compact Luxury SUV$2,476$206
Compact Luxury Car$2,512$209
Large SUV$2,520$210
Half-ton Pickup$2,532$211
Heavy Duty Pickup$2,626$219
Midsize Luxury SUV$2,714$226
Midsize Luxury Car$2,800$233
Sports Car$3,138$262
Large Car$3,284$274
Large Luxury SUV$3,536$295
Large Luxury Car$3,654$305

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Orem, UT Zip Codes. Updated June 27, 2025

Rates by different vehicle segments can be used to form a general comparison, but car insurance cost varies significantly within each vehicle segment displayed in the previous chart.

For example, in the midsize SUV segment, average Orem insurance rates range from the Honda Passport at $1,818 per year to the Rivian R1S at $2,808 per year, a difference of $990 within that segment.

As another example, in the large SUV segment, rates range from the Chevrolet Tahoe at $2,144 per year up to the Toyota Sequoia costing $2,858 per year.

In the next parts of this article, we eliminate this variability by comparing the cost of auto insurance in Orem for specific vehicles rather than by segments.

Cheapest car insurance rates in Orem

Ranking at the top for the lowest-cost Orem auto insurance rates in the car segment (excluding luxury models) are the Toyota GR Corolla, Subaru Impreza, Honda Civic, Nissan Leaf, and Nissan Sentra. Car insurance prices for these models average $2,098 or less per year.

Some other cars that have cheaper rates are the Toyota Corolla, Honda Accord, Chevrolet Malibu, and Kia K5, with average annual insurance rates of $2,222 per year or less.

From a monthly standpoint, auto insurance in this segment can cost as low as $166 per month, depending on your location and insurance company.

The most affordable compact car to insure in Orem is the Toyota GR Corolla at $1,986 per year. For midsize 2024 models, the Kia K5 is the cheapest model to insure at $2,200 per year. And for full-size cars, the Chrysler 300 has the most affordable rates at $2,174 per year.

The table below ranks the twenty cars with the lowest-cost average auto insurance rates in Orem, starting with the Toyota GR Corolla at $166 per month and ending with the Mazda 3 at $197 per month.

Cheapest Car Insurance in Orem, UT
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,986$166
Nissan LeafCompact$1,998$167
Honda CivicCompact$2,024$169
Nissan SentraCompact$2,094$175
Subaru ImprezaCompact$2,098$175
Toyota PriusCompact$2,136$178
Kia K5Midsize$2,200$183
Honda AccordMidsize$2,206$184
Chevrolet MalibuMidsize$2,216$185
Toyota CorollaCompact$2,222$185
Kia ForteCompact$2,230$186
Volkswagen ArteonMidsize$2,244$187
Nissan VersaCompact$2,252$188
Subaru LegacyMidsize$2,252$188
Hyundai Ioniq 6Midsize$2,272$189
Mitsubishi Mirage G4Compact$2,304$192
Volkswagen JettaCompact$2,310$193
Toyota CrownMidsize$2,312$193
Hyundai SonataMidsize$2,314$193
Mazda 3Compact$2,362$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Orem, UT, with the Toyota GR Corolla ranking first at $1,986 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Orem, UT, with the Toyota GR Corolla ranking first at $1,986 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Orem car insurance quotes from the best companies in Utah.

SUVs with cheap auto insurance in Orem

The top three SUVs with the most affordable average insurance rates in Orem are the Subaru Crosstrek at $1,688 per year, the Chevrolet Trailblazer at $1,716 per year, and the Kia Soul at $1,782 per year.

Not the cheapest SUVs to insure, but still affordable, are SUVs like the Toyota Corolla Cross, Buick Envision, Mazda CX-5, and Hyundai Venue, with average insurance cost of $1,870 per year or less.

In the bottom half of the top 20, SUVs like the Nissan Murano, Volkswagen Taos, Subaru Ascent, Honda HR-V, Buick Encore, and Kia Niro average between $1,870 and $1,988 per year for full-coverage insurance in Orem.

On a monthly basis, car insurance rates on this segment in Orem for a safe driver will start around $141 per month, depending on your location and insurance company. The table below ranks the twenty SUVs with the cheapest insurance in Orem, starting with the Subaru Crosstrek at $1,688 per year and ending with the Subaru Ascent at $1,988 per year.

Cheapest SUV Insurance in Orem, UT
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,688$141
Chevrolet TrailblazerCompact$1,716$143
Kia SoulCompact$1,782$149
Nissan KicksCompact$1,800$150
Honda PassportMidsize$1,818$152
Buick EnvisionCompact$1,832$153
Toyota Corolla CrossCompact$1,840$153
Hyundai VenueCompact$1,856$155
Mazda CX-5Compact$1,864$155
Ford Bronco SportCompact$1,870$156
Volkswagen TiguanCompact$1,890$158
Nissan MuranoMidsize$1,920$160
Buick EncoreCompact$1,940$162
Subaru OutbackMidsize$1,946$162
Honda CR-VCompact$1,948$162
Buick EnvistaMidsize$1,952$163
Volkswagen TaosCompact$1,956$163
Kia NiroCompact$1,968$164
Honda HR-VCompact$1,986$166
Subaru AscentMidsize$1,988$166

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Orem, UT, with the Subaru Crosstrek ranking first at $1,688 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Orem, UT, with the Subaru Crosstrek ranking first at $1,688 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Orem car insurance quotes from top car insurance companies in Utah.

Luxury cars with affordable auto insurance rates

The Acura Integra takes the #1 ranking as the lowest-cost luxury car model to insure in Orem, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model costs an average of $2,032 per year for full-coverage insurance.

Not the cheapest, but still in the top 10, are cars like the Lexus ES 350, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus RC 300, with average cost of $2,402 per year or less.

Full-coverage car insurance in Orem for this segment for the average driver will start around $169 per month, depending on your company and location.

The rate comparison table below ranks the cars with the cheapest average auto insurance rates in Orem, starting with the Acura Integra at $2,032 per year ($169 per month) and ending with the Audi S3 at $2,562 per year ($214 per month).

Cheapest Luxury Car Insurance in Orem, UT
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,032$169
BMW 330iCompact$2,326$194
Mercedes-Benz CLA250Midsize$2,350$196
Lexus IS 300Midsize$2,354$196
Acura TLXCompact$2,362$197
Cadillac CT4Compact$2,386$199
Lexus ES 350Midsize$2,386$199
Genesis G70Compact$2,392$199
Mercedes-Benz AMG CLA35Midsize$2,396$200
Lexus RC 300Midsize$2,402$200
Lexus IS 350Compact$2,412$201
Jaguar XFMidsize$2,416$201
Cadillac CT5Midsize$2,462$205
Lexus ES 250Midsize$2,472$206
Lexus RC 350Compact$2,478$207
BMW 330eCompact$2,480$207
BMW 228iCompact$2,482$207
BMW 230iCompact$2,502$209
Lexus ES 300hMidsize$2,506$209
Audi S3Compact$2,562$214

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Orem, UT, with the Acura Integra ranking first at $2,032 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Orem, UT, with the Acura Integra ranking first at $2,032 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Orem car insurance quotes from top companies in Utah.

Luxury SUVs with affordable auto insurance rates

In our comparison, the top five most affordable SUVs to insure in Orem are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Rates for for these models range from $1,910 to $2,156 per year.

Additional luxury SUVs that rank well are the Lexus NX 450h, Lexus NX 350h, Mercedes-Benz GLB 250, and Lincoln Corsair, with an average cost of $2,202 per year or less.

Additional 2024 luxury models on the list include the Mercedes-Benz GLA250, Cadillac XT6, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Infiniti QX50, which cost between $2,202 and $2,294 to insure per year in Orem.

From a cost per month standpoint, car insurance rates on this segment in Orem for an average middle-age driver can cost as low as $159 per month, depending on the company.

The rate comparison table below ranks the luxury SUVs with the cheapest insurance in Orem.

Cheapest Luxury SUV Insurance in Orem, UT
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,910$159
Lexus NX 250Compact$2,022$169
Cadillac XT4Compact$2,062$172
Jaguar E-PaceMidsize$2,136$178
Lexus NX 350hCompact$2,154$180
Cadillac XT5Midsize$2,156$180
Lincoln CorsairCompact$2,182$182
Mercedes-Benz GLB 250Compact$2,186$182
Lexus UX 250hCompact$2,188$182
Lexus NX 450hCompact$2,202$184
Infiniti QX50Midsize$2,220$185
Mercedes-Benz GLA250Compact$2,228$186
Cadillac XT6Midsize$2,236$186
Mercedes-Benz GLA35 AMGCompact$2,236$186
Infiniti QX60Midsize$2,248$187
Mercedes-Benz AMG GLB35Midsize$2,250$188
Land Rover EvoqueCompact$2,280$190
Acura MDXMidsize$2,284$190
Lexus NX 350Compact$2,292$191
Lexus RX 350Midsize$2,294$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Orem, UT, with the Acura RDX ranking first at $1,910 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Orem, UT, with the Acura RDX ranking first at $1,910 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Looking for rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Utah.

Most affordable sports cars to insure in Orem

The Mazda MX-5 Miata takes the #1 ranking as the cheapest sports car to insure in Orem, followed closely by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,114 per year for a policy with full coverage.

Some other sports cars that have good average insurance rates include the Nissan Z, BMW M2, Toyota GR Supra, and Subaru BRZ, with average rates of $2,732 per year or less.

Auto insurance rates for this segment in Orem for a middle-age safe driver starts at around $176 per month, depending on your location.

The rate comparison table below ranks the sports cars with the most affordable insurance in Orem.

Cheapest Sports Car Insurance in Orem, UT
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,114$176
Toyota GR86Sports Car$2,408$201
Ford MustangSports Car$2,510$209
BMW Z4Sports Car$2,524$210
Subaru WRXSports Car$2,560$213
Toyota GR SupraSports Car$2,564$214
BMW M2Sports Car$2,642$220
Nissan ZSports Car$2,646$221
Lexus RC FSports Car$2,700$225
Subaru BRZSports Car$2,732$228
BMW M3Sports Car$2,884$240
Porsche 718Sports Car$2,942$245
Chevrolet CamaroSports Car$2,968$247
Chevrolet CorvetteSports Car$3,162$264
Porsche 911Sports Car$3,272$273
BMW M4Sports Car$3,408$284
Lexus LC 500Sports Car$3,426$286
Jaguar F-TypeSports Car$3,604$300
Mercedes-Benz AMG GT53Sports Car$3,780$315
Porsche TaycanSports Car$3,868$322

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Orem, UT, with the Mazda MX-5 Miata ranking first at $2,114 per year.
Ranking of the cheapest sports cars to insure in Orem, UT, with the Mazda MX-5 Miata ranking first at $2,114 per year.

Don’t see insurance cost for your sports car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Orem.

Cheapest pickups to insure in Orem, UT

The four top-ranked pickups with the most affordable car insurance in Orem are the Chevrolet Colorado at $2,010 per year, Nissan Titan at $2,136 per year, Nissan Frontier at $2,158 per year, and Ford Ranger at $2,182 per year.

Not the cheapest pickups to insure, but still affordable, are models like the Toyota Tacoma, GMC Canyon, Hyundai Santa Cruz, and Honda Ridgeline, with an average cost of $2,350 per year or less.

Full-coverage auto insurance in this segment for a safe driver starts at around $168 per month, depending on the company and your location.

The next table ranks the pickups with the lowest-cost car insurance rates in Orem, starting with the Chevrolet Colorado at $2,010 per year and ending with the Ram Truck at $2,642 per year.

Cheapest Pickup Insurance in Orem, UT
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,010$168
Nissan TitanFull-size$2,136$178
Nissan FrontierMidsize$2,158$180
Ford RangerMidsize$2,182$182
Ford MaverickMidsize$2,214$185
Honda RidgelineMidsize$2,266$189
Hyundai Santa CruzMidsize$2,304$192
Toyota TacomaMidsize$2,314$193
GMC Sierra 2500 HDHeavy Duty$2,326$194
GMC CanyonMidsize$2,350$196
Jeep GladiatorMidsize$2,408$201
GMC Sierra 3500Heavy Duty$2,420$202
Chevrolet Silverado HD 3500Heavy Duty$2,442$204
Chevrolet Silverado HD 2500Heavy Duty$2,506$209
GMC SierraFull-size$2,522$210
Chevrolet SilveradoFull-size$2,524$210
Nissan Titan XDHeavy Duty$2,524$210
Ford F150Full-size$2,556$213
GMC Hummer EV PickupFull-size$2,620$218
Ram TruckFull-size$2,642$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Orem, UT Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Orem, UT, with the Chevrolet Colorado ranking first at $2,010 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Orem, UT, with the Chevrolet Colorado ranking first at $2,010 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Utah.

What to expect when shopping for auto insurance

To illustrate the amount that car insurance rates can range for different drivers (and also emphasize the importance of accurate rate quotes), the sections below visualize detailed car insurance rates for five popular models in Orem: the Chevrolet Silverado, Toyota Corolla, Nissan Rogue, Kia Sorento, and Toyota Camry.

The example for each vehicle uses a range of risk profiles to show the difference in price with only minor changes in the driver profile.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Orem averages $2,524 per year, or around $210 per month, and varies from $2,094 to $5,862 annually.

Average 2024 Chevrolet Silverado insurance premiums in Orem for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Orem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,862$489
Safe Driver Age 20$5,128$427
At-fault Accidents Age 40$3,608$301
Low Deductibles Age 40$3,258$272
Safe Driver Age 30$2,688$224
Safe Driver Age 40$2,524$210
Safe Driver Age 50$2,244$187
High Deductibles Age 40$2,150$179
Safe Driver Age 60$2,102$175
Discount Rate Age 40$2,094$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

The Chevrolet Silverado belongs to the full-size truck segment, and other similar models include the GMC Sierra, Toyota Tundra, and Ford F150.

Toyota Corolla insurance rates

In Orem, Toyota Corolla insurance costs an average of $2,222 per year ($185 per month) and varies from $1,848 to $5,098.

Average 2024 Toyota Corolla insurance premiums in Orem for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Orem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,098$425
Safe Driver Age 20$4,448$371
At-fault Accidents Age 40$3,156$263
Low Deductibles Age 40$2,850$238
Safe Driver Age 30$2,366$197
Safe Driver Age 40$2,222$185
Safe Driver Age 50$1,980$165
High Deductibles Age 40$1,896$158
Safe Driver Age 60$1,850$154
Discount Rate Age 40$1,848$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 27, 2025

The Toyota Corolla is considered a compact car, and other similar models from the same segment include the Volkswagen Jetta, Nissan Sentra, and Hyundai Elantra.

Nissan Rogue insurance rates

Auto insurance for a Nissan Rogue in Orem averages $2,052 per year ($171 per month) and ranges from $1,706 to $4,688.

Average 2024 Nissan Rogue insurance premiums in Orem for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Orem for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,688$391
Safe Driver Age 20$4,092$341
At-fault Accidents Age 40$2,906$242
Low Deductibles Age 40$2,640$220
Safe Driver Age 30$2,182$182
Safe Driver Age 40$2,052$171
Safe Driver Age 50$1,828$152
High Deductibles Age 40$1,744$145
Safe Driver Age 60$1,708$142
Discount Rate Age 40$1,706$142

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue is a compact SUV, and additional similar models from the same segment include the Mazda CX-5, Toyota RAV4, Subaru Forester, and Ford Escape.

Kia Sorento insurance rates

Kia Sorento insurance in Orem averages $2,168 per year ($181 per month) and varies from $1,804 to $4,976.

Average 2024 Kia Sorento insurance premiums in Orem for different driver ages and risk scenarios.
Figure 7: Average 2024 Kia Sorento insurance premiums in Orem for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,976$415
Safe Driver Age 20$4,358$363
At-fault Accidents Age 40$3,060$255
Low Deductibles Age 40$2,860$238
Safe Driver Age 30$2,314$193
Safe Driver Age 40$2,168$181
Safe Driver Age 50$1,918$160
High Deductibles Age 40$1,814$151
Discount Rate Age 40$1,804$150
Safe Driver Age 60$1,798$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 26, 2025

The Kia Sorento belongs to the midsize SUV segment, and other similar models from the same segment include the Honda Pilot, Kia Telluride, and Ford Explorer.

Toyota Camry insurance rates

Toyota Camry insurance in Orem costs an average of $2,454 per year (about $205 per month) and has a range of $2,040 to $5,642 annually.

Average 2024 Toyota Camry insurance premiums in Orem for different driver ages and risk scenarios.
Figure 8: Average 2024 Toyota Camry insurance premiums in Orem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Orem includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Orem, UT
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,642$470
Safe Driver Age 20$4,942$412
At-fault Accidents Age 40$3,460$288
Low Deductibles Age 40$3,260$272
Safe Driver Age 30$2,624$219
Safe Driver Age 40$2,454$205
Safe Driver Age 50$2,170$181
High Deductibles Age 40$2,042$170
Discount Rate Age 40$2,040$170
Safe Driver Age 60$2,030$169

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025

The Toyota Camry belongs to the midsize car segment, and additional similar models include the Kia K5, Honda Accord, and Nissan Altima.

Tips for cheap Orem auto insurance quotes

Orem drivers are always searching for ways to cut the monthly cost of insurance So study the tips in this next list and it’s very likely you can save some money the next time you need to insure a vehicle.

  • Compare rates before you buy the car. Different vehicles have very different costs for insurance, and car insurance companies can price policies with a wide range of prices. Get quotes before you buy a new car to prevent price shock when you get your insurance bill.
  • The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Careless drivers spend more for car insurance. At-fault accidents increase insurance cost, possibly as much as $3,262 per year for a 20-year-old driver and even $562 per year for a 60-year-old driver. So drive safe and save!
  • Buy vehicles with cheaper insurance. The make and model of vehicle you drive is a primary factor in the cost of auto insurance. As an example, a Mazda CX-30 costs $1,212 less per year to insure in Orem than a Porsche 911. Lower performance vehicles cost less to insure.
  • Great credit can mean great car insurance rates. Drivers who maintain a credit score over 800 could save up to $358 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost as much as $415 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Lots of policy discounts equals cheaper car insurance. Savings may be available if the policyholders are senior citizens, are good students, are claim-free, sign their policy early, or many other policy discounts which could save the average Orem driver as much as $384 per year.