For a 40-year-old driver with a clean record, Orem car insurance averages about $258 a month ($3,097 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Utah average of $242 a month. Auto-Owners and GEICO are effectively tied for the lowest full-coverage average among the insurers we rank, at about $182 a month each.
Orem costs a little more than neighboring Provo for our benchmark driver: about $5 a month more than Provo and about $16 a month more than the Utah average.
Our data covers three ZIP codes with an Orem mailing address, priced within a few dollars of each other, from about $256 a month in 84057 to $261 in 84097.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Orem ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Orem, UT?
Full coverage in Orem averages $3,097 a year, or about $258 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,493 a year ($124 a month), and 50/100/50 liability with comprehensive and collision averages $2,901 ($242 a month).
- Full coverage (100/300/100, $500 deductibles): $3,097 a year ($258 a month)
- 50/100/50 with $500 deductibles: $2,901 a year ($242 a month)
- Liability only (25/70/15): $1,493 a year ($124 a month)
- Utah County: $2,993 a year ($249 a month) for full coverage
- Utah average: $2,908 a year ($242 a month) for full coverage
- ZIP code range: $256 (84057) to $261 (84097) a month for full coverage
Cheap Car Insurance in Orem: Companies Compared
- Lowest averages among insurers we rank, full coverage: Auto-Owners and GEICO, effectively tied at about $182 a month each.
- Next lowest: Progressive at $199, then Allstate at $276.
- Lowest liability-only average among insurers open to all drivers (25/70/15): Auto-Owners, at about $77 a month, then GEICO at $91.
- Also on our list: USAA at about $129 a month, Nationwide at $142, American Family at $210 and Farm Bureau Financial Services at $296 (USAA sells only to military families).
- Most expensive in our data: State Farm, at about $431 a month, $2,982 a year more than Auto-Owners for the same driver and car.
Auto-Owners and GEICO are effectively tied for the lowest full-coverage average among the six insurers in our Orem rate data. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA, which sells only to military families. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $77 a month, followed by GEICO at $91.
Full-coverage averages by insurer in Orem
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto-Owners | $925 | $77 | $2,188 | $182 |
| GEICO | $1,094 | $91 | $2,188 | $182 |
| Progressive | $1,241 | $103 | $2,382 | $199 |
| Allstate | $1,183 | $99 | $3,306 | $276 |
| Farmers | $1,846 | $154 | $3,345 | $279 |
| State Farm | $2,667 | $222 | $5,170 | $431 |
| USAA (military families)* | $722 | $60 | $1,546 | $129 |
| Nationwide* | $1,001 | $83 | $1,708 | $142 |
| American Family* | $1,625 | $135 | $2,520 | $210 |
| Farm Bureau Financial Services* | $1,195 | $100 | $3,551 | $296 |
| Orem average | $1,493 | $124 | $3,097 | $258 |
This table uses Orem ZIP codes only. See how we calculated these rates.
Orem Car Insurance Rates by ZIP Code
Across the three Orem ZIP codes we price, full coverage for our driver ranges from about $256 a month in 84057 to $261 in 84097, a gap of $55 a year. 84097, on the east side, is the most expensive Orem ZIP code in our data, about $5 a month above 84057.
Lowest-priced Orem ZIP code
Highest-priced Orem ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Orem’s average.
| ZIP Code: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 84057 | $1,479 | $123 | $3,074 | $256 | -1% |
| 84058 | $1,487 | $124 | $3,087 | $257 | About average |
| 84097 | $1,512 | $126 | $3,129 | $261 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Orem?
Raising liability limits from 50/100/50 to 100/300/100 adds about $196 a year on average in our Orem data, with the same $500 deductibles. That’s about $16 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Orem?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Orem ZIP codes, their full-coverage average rose from $3,194 a year in rates as of Nov. 30, 2025, to $3,278 as of Aug. 31, 2026, a 2.6% increase. Farmers raised its average 5.7% and State Farm 5.2%, while Allstate’s, GEICO’s and Progressive’s averages were about unchanged. Auto-Owners is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Orem average above. Liability-only coverage at 25/70/15 limits rose 4.4%, led by Farmers, which raised its liability-only average 14.7%.
What Shapes Car Insurance Costs in Orem
Utah County averages about $249 a month for full coverage, the second-most expensive of the 21 Utah counties we price, after Salt Lake County. Orem is the most expensive of the 16 Utah County cities and towns we price.
Lindon, to the north, averages about $254 a month, Pleasant Grove $250 and American Fork $251, while Vineyard, on the Utah Lake shore to the west, averages $253. Where you live is one of the factors Utah insurers use, so neighboring cities can be priced differently.
How Orem Car Insurance Compares With Other Utah Cities
More Utah cities and towns are in the Utah rates by city table, and you can compare states on our car insurance rates by state page.
Provo, about five miles south, averages $253 a month, and Sandy, about 20 miles northwest, $249. Salt Lake City, about 35 miles north, averages $261.
What Car Insurance Is Required in Orem?
Drivers in Orem follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
- Liability coverage of $30,000 per person and $65,000 per crash for injuries and $25,000 for property damage, or a $90,000 single limit
- Personal injury protection that pays at least $3,000 per person in medical bills, plus lost wages and other benefits
- Uninsured and underinsured motorist coverage, unless you reject it in writing
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Orem
- Compare Auto-Owners and GEICO first. They have the two lowest full-coverage averages among the insurers we rank in Orem, about $182 a month each.
- Quote several insurers. Among the insurers we rank in Orem, the lowest and highest averages are about $249 a month apart for the same driver and car.
- Know how credit is used. Under Utah Code 31A-22-320, insurers can’t use your credit to raise your rate or drop you at renewal. They can use it when you first apply, along with other factors, or to give you a discount.
- Compare at every renewal. Since November 2025, Farmers has raised its average 5.7% and State Farm 5.2%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Utah home insurance rates too.
Ready to compare
How We Calculated Orem Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 18 full-coverage premiums from six insurers across three Orem ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/70/15 limits, with 25/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Utah’s minimum has been 30/65/25 since Jan. 1, 2025, so our liability-only prices use lower per-person injury and property damage limits than the law requires and a per-person uninsured motorist limit below the law’s $30,000 floor. Every Utah policy must include personal injury protection; the rate data doesn’t list the amount priced, so we don’t state one for these prices.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Utah rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.
Orem Car Insurance FAQ
For our benchmark driver, full coverage in Orem averages about $258 a month ($3,097 a year) and liability-only coverage at 25/70/15 limits about $124 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% above the Utah average of $242 a month.
Auto-Owners and GEICO are effectively tied for the lowest full-coverage average in our Orem rate data, at about $182 a month each. Progressive’s average is next, at $199. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $77 a month. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Provo, for our benchmark driver. Orem full coverage averages about $258 a month and Provo about $253, a difference of about $5 a month for the same driver and car.
In our data, 84057 has the lowest full-coverage average in Orem, at about $256 a month, and 84097 the highest, at about $261. The ZIP code table on this page lists all three.
In our Orem data, full coverage (100/300/100 with $500 deductibles) averages about $258 a month and liability-only coverage at 25/70/15 limits about $124, a difference of about $134 a month ($1,604 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new since November 2025), their Orem full-coverage average rose 2.6%, from about $3,194 to $3,278 a year. That’s higher than the Orem average of $3,097 because it leaves out Auto-Owners. Farmers raised its average 5.7% and State Farm 5.2%. Liability-only coverage at 25/70/15 limits rose 4.4%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
