For a 40-year-old driver with a clean record, Provo car insurance averages about $253 a month ($3,032 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the average car insurance in Utah ($242 a month). Auto-Owners and GEICO are effectively tied for the lowest full-coverage average among the insurers we rank, at about $183 a month each.
Provo, the Utah County seat, costs a little more than the statewide average for our benchmark driver: about $11 a month more than the Utah average and about $8 a month less than Salt Lake City.
Our data covers three ZIP codes with a Provo mailing address, from about $247 a month in 84604, in north Provo, to $257 in 84601.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Provo 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.
Full coverage in Provo averages $3,032 a year, or about $253 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,439 a year ($120 a month), and 50/100/50 liability with comprehensive and collision averages $2,841 ($237 a month).
Auto-Owners and GEICO are effectively tied for the lowest full-coverage average among the six insurers in our Provo 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 $75 a month, followed by GEICO at $92.
Full-coverage averages by insurer in Provo
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 | $904 | $75 | $2,191 | $183 |
| GEICO | $1,103 | $92 | $2,199 | $183 |
| Progressive | $1,201 | $100 | $2,315 | $193 |
| Farmers | $1,744 | $145 | $3,157 | $263 |
| Allstate | $1,147 | $96 | $3,249 | $271 |
| State Farm | $2,536 | $211 | $5,083 | $424 |
| USAA (military families)* | $711 | $59 | $1,534 | $128 |
| Nationwide* | $985 | $82 | $1,695 | $141 |
| American Family* | $1,599 | $133 | $2,500 | $208 |
| Farm Bureau Financial Services* | $1,176 | $98 | $3,523 | $294 |
| Provo average | $1,439 | $120 | $3,032 | $253 |
This table uses Provo ZIP codes only. See how we calculated these rates.
Across the three Provo ZIP codes we price, full coverage for our driver ranges from about $247 a month in 84604 to $257 in 84601, a gap of $123 a year. 84604, in north Provo, is the least expensive Provo ZIP code in our data, and 84601, which takes in downtown and west Provo, the most expensive, about $10 a month higher.
Lowest-priced Provo ZIP code
Highest-priced Provo ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Provo’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: |
|---|---|---|---|---|---|
| 84601 | $1,459 | $122 | $3,085 | $257 | +2% |
| 84604 | $1,413 | $118 | $2,962 | $247 | -2% |
| 84606 | $1,445 | $120 | $3,050 | $254 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $191 a year on average in our Provo 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.
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Provo ZIP codes, their full-coverage average rose from $3,133 a year in rates as of Nov. 30, 2025, to $3,201 as of Aug. 31, 2026, a 2.2% increase. Farmers raised its average 5.5% and State Farm 3.8%, 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 Provo average above. Liability-only coverage at 25/70/15 limits rose 3.3%, led by Farmers, which raised its liability-only average 14.2%.
Provo is the seat of Utah County, which averages about $249 a month for full coverage, second only to Salt Lake County among the 21 Utah counties we price.
Towns south of Provo cost a little less: Springville averages about $249 a month and Spanish Fork $243, while Orem, to the north, averages $258. Utah insurers price by location as well as by driver and car, so your ZIP code can move your price.
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.
Orem, about five miles north, averages $258 a month, and Sandy, about 25 miles northwest, $249. Salt Lake City, about 38 miles north, averages $261.
Drivers in Provo follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
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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.
Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Provo averages about $253 a month ($3,032 a year) and liability-only coverage at 25/70/15 limits about $120 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Utah average of $242 a month.
Auto-Owners and GEICO are effectively tied for the lowest full-coverage average in our Provo rate data, at about $183 a month each. Progressive’s average is next, at $193. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $75 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. Provo full coverage averages about $253 a month and Salt Lake City about $261, a difference of about $8 a month for the same driver and car.
In our data, 84604 has the lowest full-coverage average in Provo, at about $247 a month, and 84601 the highest, at about $257. The ZIP code table on this page lists all three.
In our Provo data, full coverage (100/300/100 with $500 deductibles) averages about $253 a month and liability-only coverage at 25/70/15 limits about $120, a difference of about $133 a month ($1,593 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 Provo full-coverage average rose 2.2%, from about $3,133 to $3,201 a year. That’s higher than the Provo average of $3,032 because it leaves out Auto-Owners. Farmers raised its average 5.5% and State Farm 3.8%. Liability-only coverage at 25/70/15 limits rose 3.3%.
