Orem Car Insurance

Everything You Need to Know About Car Insurance in Orem, UT

Do you know what's in your car insurance policy right now? Read this guide to better understand the coverages that matter.

Orem is a growing, family-friendly city in Utah. Residents of this city are required to purchase Orem car insurance that meets the state’s minimum requirements. Whether you use your car for frequent drives into Salt Lake City or on local drives to take your children to activities and play-dates, your Orem, UT car insurance can provide you with the coverage you need to protect your finances in the event of a motor vehicle accident.

Finding quality coverage at a competitive price is easy when you work with an independent insurance agent in our network. These agents can make rate inquiries on your behalf and then provide you with an assortment of competitively priced Orem car insurance quotes that you can compare. They can also explain your various coverage options and answer your insurance-related questions. Find an agent in or near Orem to learn more.

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • 40th most expensive auto premium in U.S.

Auto insurance rates in Utah are considerably lower than the national average. Of course, the rates listed above should just give you a general idea of what your costs might be. Actual rates vary significantly from one person to the next. For example, a 17-year-old boy driving a sports car is likely to pay far more for coverage than a 45-year-old married woman driving a minivan. When calculating the cost of your Orem car insurance premiums, insurance companies will consider such things as these:

  • The make, model, year and safety features of the vehicle(s) you wish to insure
  • Your ZIP code and whether you park your car on the street, a driveway or in a garage
  • The age, sex, marital status and driving records of all licensed drivers in your household
  • Your claims history
  • The amount of coverage you wish to purchase
  • The amount of your deductible
  • Your bundling options, i.e., whether you plan to bundle your coverage with another policy such as home or business insurance

Every insurance company has a proprietary way of determining risk and calculating rates, so comparison shopping puts you at an advantage by allowing you to choose the policy that offers you the best value for your money.

Utah Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/65/15: Coverage up to $65,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $15,000 coverage for property damage

The state of Utah requires drivers to carry auto insurance coverage that meets or exceeds these state-imposed minimums. These requirements are intended to provide you with suitable financial protection if you are responsible for a collision. Serious accidents involving significant injuries that require extensive or long-term medical care can easily exceed these coverage limits, so you may want to purchase higher liability limits in order to protect your personal assets, such as your home.

Number of Uninsured Motorists in Utah

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Utah drivers: 5.80%

Driving without insurance in Utah is not without consequences. It is a Class B misdemeanor, and if you are caught, you face a fine of no less than $400 for your first offense and no less than $1,000 for future offenses if they occur within three years of the previous. Furthermore, your license can be suspended until you provide proof of coverage and pay a reinstatement fee. If an uninsured driver is responsible for a collision that causes property damage or injuries to you or your passengers, you may find it extremely difficult, if not impossible, to collect reimbursement for your losses. 

Unless, that is, your Orem auto insurance policy includes uninsured motorist coverage. In this case, your insurance company provides the necessary compensation upfront and then attempts to collect funds from the offending driver on its own behalf. This insurance also covers damage and injuries caused by hit-and-run drivers.

Number of Auto Thefts in Utah

  • National number of thefts per 1,000 vehicles: 2.94
  • Utah number of thefts per 1,000 vehicles: 3.13

The rate of car theft in the state of Utah is higher than the national average, but the rate in Orem is lower. Recently, there were only 98 auto thefts reported in this city. That equates to about 1.07 car thefts per 1,000 vehicles, which is quite low. If your car is stolen or vandalized, your insurance company can only provide compensation if your policy includes “other than collision” (or comprehensive) insurance. This insurance covers damage caused by such things as theft, vandalism, falling objects, floods and noncollision-related fires. If you are still paying for your vehicle, you likely carry comprehensive insurance already because most lenders require it until the car loan is paid in full.

Find an Orem Car Insurance Policy

There is no good reason why you should pay more than you have to for your car insurance. If you are looking for the best price for an Orem auto insurance policy that will provide dependable coverage for you and your family, you can request the assistance of a local agent in our network. These independent agents can work with several highly rated insurance companies to gather policies and costs that you can compare. There are several local agents located throughout the state of Utah, and some have offices in and around the city of Orem. 

Find an agent near you to learn more about your coverage options, and discover how comparing Orem car insurance quotes can save you money on your premiums. 

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