Provo, UT Car Insurance – 2024 Rates + Cheapest Cars to Insure

• The average cost of car insurance in Provo is $1,690 per year, or $141 per month.
• Car insurance rates for a few popular models in Provo include the Hyundai Elantra at $153 per month, Subaru Outback at $120, and Jeep Cherokee at $152.
• For cheap car insurance in Provo, crossover vehicles like the Volkswagen Tiguan, Mazda CX-5, Buick Envision, and Chevrolet Trailblazer cost less than most other models.
• A few models with segment-leading car insurance rates in Provo include the Toyota GR Corolla ($1,466 per year), Hyundai Ioniq 6 ($1,552 per year), Honda Passport ($1,344 per year), and Subaru Crosstrek ($1,248 per year).

How much does car insurance cost in Provo?

In Provo, the average car insurance expense is $1,690 per year, which is 10.8% less than the overall U.S. national average rate of $1,883. Per month, Provo drivers can expect to pay an average of $141 for a full-coverage car insurance policy.

In the state of Utah, average auto insurance cost is $1,692 per year, so the average cost in Provo is $2 less per year. The cost of insurance in Provo compared to other Utah cities is approximately $52 per year cheaper than in West Jordan, $120 per year less than in Salt Lake City, and $28 per year less than in Orem.

The chart below shows additional information for drivers age 20 to 60 by showing a range of rates for a range of driver ages, policy deductibles, and potential risk scenarios.

The average cost of car insurance per month in Provo is $141, and ranges from $117 to $324 for the data shown in the chart above.

Car insurance rates can cost very different amounts for different drivers and small changes in driver risk profiles can have meaningful effects on car insurance cost. The potential for large differences in cost stresses the need for multiple auto insurance quotes when trying to find the cheapest policy.

The age of the rated driver is the largest factor that influences the price you pay for auto insurance. The list below details how age impacts cost by breaking down average car insurance rates for driver ages from 16 to 60.

Average cost of car insurance in Provo, UT, by driver age

• 16 year old – $6,012 per year or $501 per month
• 17 year old – $5,824 per year or $485 per month
• 18 year old – $5,220 per year or $435 per month
• 19 year old – $4,755 per year or $396 per month
• 20 year old – $3,396 per year or $283 per month
• 30 year old – $1,800 per year or $150 per month
• 40 year old – $1,690 per year or $141 per month
• 50 year old – $1,498 per year or $125 per month
• 60 year old – $1,402 per year or $117 per month

Insurance cost for Provo’s favorite vehicles

The prior rates are the average cost across all 2024 model year vehicles, which is suitable for making general comparisons like the average cost difference between multiple locations. But for more comprehensive price comparisons, it makes sense to compare rates for the specific model of vehicle being insured.

In the next few sections of this article, we do cost comparisons for different makes and models, but for now, we will just look at the most popular vehicles to see how car insurance prices size up in Provo.

This next list shows both annual and monthly car insurance rates in Provo for a handful of the more popular vehicles. At the end of this article, we’ll examine the cost of insuring some of these vehicles in more detail.

Car insurance rates for popular Provo vehicles

• Hyundai Elantra – $1,832 per year ($153 per month)
• Subaru Outback – $1,438 per year ($120 per month)
• Jeep Cherokee – $1,820 per year ($152 per month)
• Ford Explorer – $1,534 per year ($128 per month)
• Toyota Camry – $1,814 per year ($151 per month)
• Subaru Forester – $1,506 per year ($126 per month)
• Ford F150 – $1,888 per year ($157 per month)
• Ram Truck – $1,954 per year ($163 per month)
• Toyota Highlander – $1,536 per year ($128 per month)
• Chevrolet Silverado – $1,866 per year ($156 per month)

The vehicles that are popular in Provo tend to be small or midsize sedans like the Hyundai Elantra and Honda Accord and compact or midsize SUVs like the Ford Escape and Chevy Traverse.

Other popular vehicles from other vehicle segments include luxury models like the Infiniti Q50 and BMW X5, pickup trucks like the Toyota Tacoma and Ford F-150, and sports cars like the Ford Mustang and Chevy Corvette.

We will cover many more auto rates in the upcoming sections, but before we delve that deep, let’s look at some of the general concepts that we covered in the earlier charts and data.

• Provo auto insurance rates are cheaper than the Utah state average – $1,690 (Provo average) compared to $1,692 (Utah average)
• Provo, UT, car insurance costs less than the U.S. average – $1,690 (Provo average) compared to $1,883 (U.S. average)
• Monthly car insurance cost ranges from $117 to $501 – That’s the average car insurance price range for drivers from age 16 to 60 in Provo, Utah.
• A low deductible policy costs more – A 40-year-old driver pays an average of $546 more per year for $250 deductibles versus $1,000 deductibles.
• Car insurance is cheaper the older you are – Auto insurance rates for a 40-year-old driver in Provo are $1,706 per year cheaper than for a 20-year-old driver.
• Insurance rates decrease substantially from age 20 to 30 – The average 30-year-old Provo, Utah, driver will pay $1,596 less each year than a 20-year-old driver, $1,800 versus $3,396.

Which vehicles have cheap insurance in Provo?

The vehicles with the most affordable auto insurance quotes in Provo tend to be crossover SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Nissan Kicks.

Average car insurance quotes for those small SUVs cost $1,372 or less per year ($114 per month) for full coverage car insurance.

A few other models that rank in the top 20 in our cost comparison are the Nissan Murano, Kia Niro, Buick Encore, and Buick Envista.

The average insurance cost is a little higher for those models than the small SUVs at the top of the list, but they still have an average cost of $1,448 or less per year ($121 per month).

The table below breaks down the cheapest vehicles to insure in Provo, ordered starting with the cheapest.

A list of 30 vehicles with the cheapest insurance in Provo is not really the best way to show a comprehensive summary of the cost of auto insurance. A more thorough way to analyze auto insurance rates in a coherent manner is to sort them by segment.

The section below talks about the average cost to insure each different vehicle segment. These rates should provide a decent idea of which vehicles have the best average auto insurance rates. The subsequent sections will break out the cheapest rates for individual models in each individual segment.

Provo auto insurance rates by automotive segment

If you’re looking around at new or used cars, it’s a good idea to know which categories of vehicles have better insurance rates. As an example, some people wonder if midsize cars are more affordable to insure than full-size cars or which size of pickup will cost you the least to insure.

The next chart displays average car insurance rates in Provo for different vehicle segments. When looking at rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the cheapest rates, while exotic high-performance models have the highest car insurance rates.

Average rates for different segments are accurate enough for overall comparisons, but rates vary quite significantly within each vehicle segment listed in the chart above.

For example, in the small SUV segment, Provo insurance rates range from the Subaru Crosstrek at $1,248 per year for full coverage insurance to the Ford Mustang Mach-E at $1,976 per year.

For another example, in the large SUV segment, average rates range from the Chevrolet Tahoe at $1,586 per year to the Toyota Sequoia at $2,114 per year, a difference of $528 within that segment.

In the next parts of this article, we reduce this variability by looking at the cost of car insurance in Provo on a model level.

Cheapest car insurance rates in Provo, Utah

The four most affordable non-luxury cars to insure in Provo are the Toyota GR Corolla at $1,466 per year, Nissan Leaf at $1,478 per year, Honda Civic at $1,494 per year, and Nissan Sentra at $1,548 per year.

Not the cheapest to insure, but still ranked well, are models like the Toyota Prius, Honda Accord, Kia K5, and Chevrolet Malibu, with average rates of $1,638 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Nissan Versa, Mazda 3, Toyota Corolla, Toyota Crown, and Volkswagen Arteon average between $1,638 and $1,744 to insure per year in Provo.

Full-coverage insurance in Provo for this segment will start around $122 per month, depending on where you live and the company you use.

If rates are ranked based on vehicle size, the cheapest compact car to insure in Provo is the Toyota GR Corolla at $1,466 per year, or $122 per month. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,552 per year, or $129 per month. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $1,602 per year, or $134 per month.

The next table ranks the twenty cars with the most affordable average insurance rates in Provo, starting with the Toyota GR Corolla at $1,466 per year and ending with the Mazda 3 at $1,744 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? 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 Utah.

Cheapest SUVs to insure in Provo, Utah

Ranking highest for the most affordable Provo car insurance rates in the non-luxury SUV segment are the Nissan Kicks, Chevrolet Trailblazer, Kia Soul, Honda Passport, and Subaru Crosstrek. Car insurance prices for these models average $1,344 or less per year, or around $112 per month.

Some other SUVs that rank well in our comparison include the Buick Envision, Toyota Corolla Cross, Ford Bronco Sport, and Mazda CX-5, with average insurance cost of $1,382 per year or less.

On a monthly basis, full-coverage insurance on this segment in Provo starts at around $104 per month, depending on your company and location.

When rates are compared by vehicle size, the most affordable compact SUV to insure in Provo is the Subaru Crosstrek at $1,248 per year. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,344 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,586 per year.

The next table ranks the twenty SUVs with the cheapest average car insurance rates in Provo, starting with the Subaru Crosstrek at $1,248 per year ($104 per month) and ending with the Honda HR-V at $1,470 per year ($123 per month).

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

Don’t see insurance cost for your SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Provo car insurance quotes from top auto insurance companies in Utah.

Cheapest luxury car insurance rates in Provo

The top-ranked vehicle in Provo for cheapest auto insurance in the luxury sedan segment is the Acura Integra, costing $1,500 per year. Second place is the BMW 330i costing $1,720 per year, coming in third is the Mercedes-Benz CLA250, at an average of $1,738 per year, and in fourth place is the Lexus IS 300, at an average of $1,740 per year.

Also ranking in the top 10 are cars like the Cadillac CT4, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus RC 300, with average annual insurance rates of $1,776 per year or less.

On a monthly basis, full-coverage car insurance in this segment for a safe driver will start around $125 per month, depending on your location.

The next table ranks the twenty luxury cars with the lowest-cost average car insurance rates in Provo, starting with the Acura Integra at $1,500 per year and ending with the Audi S3 at $1,894 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

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

Cheapest luxury SUVs to insure in Provo, UT

Out of all 2024 models, the top five lowest-cost SUVs to insure in Provo are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these five SUVs range from $1,412 to $1,594 per year.

Not the cheapest in the list, but still ranking well, are luxury SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 350h, with an average car insurance cost of $1,628 per year or less.

Some additional vehicles that rank well include the Lexus NX 350, Infiniti QX50, Lexus RX 350, and Mercedes-Benz GLA35 AMG, which cost between $1,628 and $1,694 per year for auto insurance.

Auto insurance rates in Provo for this segment starts at an average of $118 per month, depending on where you live and the company you use.

When vehicle size is considered, the most affordable compact luxury SUV to insure in Provo is the Acura RDX at $1,412 per year, or $118 per month. For midsize luxury SUV models, the Jaguar E-Pace has the best rates at $1,578 per year, or $132 per month. And for full-size luxury models, the Infiniti QX80 has the most affordable rates at $1,894 per year, or $158 per month.

The table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Provo, starting with the Acura RDX at $1,412 per year ($118 per month) and ending with the Lexus NX 350 at $1,694 per year ($141 per month).

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

Is your luxury SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Provo car insurance quotes from top companies in Utah.

Cheapest pickup trucks to insure in Provo

The cheapest pickup trucks to insure in Provo are the Chevrolet Colorado at $1,446 per year, the Nissan Titan at $1,576 per year, and the Nissan Frontier at $1,598 per year.

Other models that rank well include the GMC Canyon, Hyundai Santa Cruz, Toyota Tacoma, and Honda Ridgeline, with average rates of $1,736 per year or less.

Full-coverage car insurance for this segment in Provo can cost as low as $121 per month, depending on the company.

The table below ranks the twenty pickups with the most affordable average car insurance rates in Provo, starting with the Chevrolet Colorado at $1,446 per year ($121 per month) and ending with the Ram Truck at $1,954 per year ($163 per month).

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

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

Cheapest sports cars to insure in Provo, UT

The top five models for the lowest-cost Provo car insurance rates in the sports car and performance segment are the Subaru WRX, Mazda MX-5 Miata, BMW Z4, Toyota GR86, and Ford Mustang. Rates for these 2024 models average $1,894 or less per year, or around $158 per month.

Additional sports cars that have good average insurance rates are the Toyota GR Supra, Nissan Z, BMW M2, and Subaru BRZ, with average rates of $2,018 per year or less.

Full-coverage car insurance in this segment for the average driver will start around $130 per month, depending on the company and where you live. The rate comparison table below ranks the sports cars with the lowest-cost car insurance rates in Provo, starting with the Mazda MX-5 Miata at $130 per month and ending with the Porsche Taycan at $238 per month.

Looking for rates for a different vehicle? 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 top-rated companies in Utah.

How to save on car insurance in Provo

Drivers should always be looking to cut the monthly cost of auto insurance, so run through the tips below to see if you can save a few bucks on your next policy.

• Avoid traffic tickets to pay less. If you want the cheapest car insurance in Provo, it pays off to be a safe driver. Just a couple of minor infractions on your motor vehicle report could result in raising the cost of a policy by as much as $448 per year. Serious misdemeanor violations such as a DWI could raise rates by an additional $1,566 or more.
• Get a discount from your occupation. Just about all insurance companies offer discounts for certain professions like architects, doctors, nurses, firefighters, high school and elementary teachers, and others. If you can qualify for this discount, you could potentially save between $51 and $164 on your auto insurance bill, subject to policy limits.
• Compare car insurance quote before buying a car. Different vehicle models can have very different insurance premiums, and companies can sell coverages with a wide range of costs. Get quotes before you buy a new car to prevent insurance sticker shock when insuring your new vehicle.
• Cheaper rates come with better credit scores. Drivers who have credit scores over 800 could save around $265 per year compared to a rating of 670-739. Conversely, a lower credit rating could cost around $308 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Safe drivers have cheaper car insurance. Causing frequent accidents will increase insurance cost, possibly by an additional $2,410 per year for a 20-year-old driver and as much as $698 per year for a 40-year-old driver. So be a cautious driver and save.