Orem drivers pay an average of $1,811/year — $40 more than the national average. With 1,332 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $587/year.
(888) 217-6781Estimated full coverage auto insurance rates for Orem, UT from top carriers. Rates are adjusted for Orem's 1,332 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $602 | $100/mo |
| GEICO | $685 | $114/mo |
| Bear River Mutual | $726 | $121/mo |
| Progressive | $774 | $129/mo |
| State Farm | $844 | $141/mo |
Estimates based on 2026 rate filings for ZIP 84097. USAA is cheapest at ~$100/mo. Actual rates vary by driver profile and exact Orem location.
These Orem-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Orem, UT. Takes under 2 minutes.
(888) 217-6781With 98,129 residents, Orem is a growing community in Utah where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like snow, ice, inversions, flash flooding, dust storms and commuter corridors still influence premiums. Orem drivers often find rates slightly below the Utah state average.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Orem can swing your premium by hundreds of dollars. Here's how rates compare across Orem neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84109 | Orem South Side | $1,734/yr | $145/mo |
| 84099 | Orem North Side | $1,761/yr | $147/mo |
| 84117 | Orem West Side | $1,765/yr | $147/mo |
| 84103 | Orem East Side | $1,854/yr | $155/mo |
| 84097 | Orem Downtown/Central | $1,983/yr | $165/mo |
The cheapest ZIP is 84109 (Orem South Side) at $1,734/yr. The most expensive is 84097 (Orem Downtown/Central) at $1,983/yr — a $249/year difference for the same driver.
Your Orem ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Orem. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,803/yr | $317/mo | +110% vs avg |
| Young Adult (20-25) | $2,535/yr | $211/mo | +40% vs avg |
| Adult (26-35) | $1,811/yr | $151/mo | 0% vs avg |
| Mid-Career (36-50) | $1,594/yr | $133/mo | -12% vs avg |
| Senior (51-65) | $1,503/yr | $125/mo | -17% vs avg |
| 65+ | $1,612/yr | $134/mo | -11% vs avg |
Teens in Orem pay an average of $3,803/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,503/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Utah cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Orem drivers can save up to $587/year. ZIP 84109 (Orem South Side) has the lowest rates starting at $1,734/yr.
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