Provo Car Insurance

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

Own a car in Provo, UT? Read on to learn about what insurance coverages you'll need to protect yourself from future automotive risks.

Just about an hour south of Salt Lake City, Provo is the county seat of Utah County. The roadways in Provo, UT are some of the safest in the nation, but accidents can happen anytime, anywhere to anyone. It is therefore important that you have a suitable Provo car insurance policy backing you up. This coverage is required by state law, but overpaying for it is not.

Finding quality coverage at an affordable price is easy when you work with an independent insurance agent in our network. These agents can quickly and easily provide you with an assortment of competitively priced Provo car insurance quotes from a variety of reputable insurers. They can also explain your different coverage options and answer your insurance-related questions. Find an agent in or near Provo 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 average rates shown above should just give you a general idea of what your costs might be. Actual rates vary significantly from one person to the next. When calculating the cost of your Provo 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
  • The location of your home, or ZIP code, and where you park your car: the street, a driveway or a garage
  • The age, sex, marital status and driving record of all licensed drivers in your household
  • The history of claims on your home, i.e., your claims history
  • The amount of coverage you wish to purchase
  • The amount of your deductible

Every insurance company has its own way of determining risk and calculating rates, so comparison shopping puts you at an advantage by allowing you to choose the policy that offers 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-mandated minimums. These minimums are meant to provide you with suitable financial protection if you are responsible for a collision. Serious accidents that involve 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 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 a Class B misdemeanor, and it has consequences. If you are caught, you will face a fine of no less than $400 for your first offense and no less than $1,000 future offenses if they occur within three years of the previous. Furthermore, your license can be suspended and you will not be able to get it back until you provide proof of insurance and pay a reinstatement fee.

If an uninsured or a hit-and-run 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 Provo auto insurance policy includes uninsured motorist coverage. In this case, your insurance company provides the necessary compensation and then attempts to collect funds from the offending driver on its own behalf.

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 average rate in Provo is lower than the national average. In recent years, there were 108 auto thefts reported in this city. That equates to about 0.92 car thefts per 1,000 vehicles, which is quite low. If your car is stolen or vandalized, your insurance company provides compensation only if your policy includes comprehensive insurance. 

This insurance, which is also referred to as “other than collision” insurance, covers damage caused by such things as theft, vandalism, flying debris, falling objects, floods and other noncollision-related damage. If you are still paying for your vehicle, you likely carry comprehensive insurance already because most lenders require it until the loan is paid in full.

Find a Provo Car Insurance Policy

Don’t pay more than you need to for your car insurance. If you are looking for an affordable Provo auto insurance policy that will provide the right coverage for you and your family, it is to your benefit to work with an independent agent in our network. These agents can work with several different insurance companies to collect a variety of suitable policies and costs for you to compare. There are several local agents located throughout the state of Utah, and some have offices in and around the town of Provo. 

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

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