GMI Insurance Agency, Inc
1355 N University Ave, #140, Provo, UT 84604
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1355 N University Ave, #140, Provo, UT 84604
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1987 N 550 W, Provo, UT 84604
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1840 N State St, Provo, UT 84604
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270 N 500 W, Provo, UT 84601
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Learn about insurance coverage options specific to Provo residents.
Provo insurance costs more than the Utah average. Get 2026 rates for auto and home coverage, minimum requirements, and tips to save on premiums.
Home InsuranceProvo homeowners pay $1,440/year on average. Learn about earthquake coverage, flood insurance, and protecting your home near Utah Lake and BYU.
Car InsuranceProvo drivers pay $149/month for full coverage. Learn Utah's no-fault PIP requirements, I-15 risks, campus traffic, and how to save on insurance.
Provo's higher population density means more traffic, more accidents, and higher theft rates compared to rural areas. These risk factors push up insurance costs for all drivers. Your specific ZIP code within Provo also matters—neighborhoods with more claims history cost more to insure. The average Provo driver pays $149 per month for full coverage compared to $127 statewide.
The Wasatch Fault runs directly through Provo, creating real earthquake risk. Standard homeowners insurance doesn't cover earthquake damage, so you need a separate policy or endorsement. While earthquakes are less frequent than other disasters, the potential for catastrophic damage makes this coverage worth considering, especially if you have significant equity in your home or can't afford to rebuild out of pocket.
As of 2025, Utah requires $30,000 bodily injury liability per person, $65,000 per accident, $25,000 property damage liability, and $3,000 in Personal Injury Protection (PIP). However, these minimums might not be enough to protect your assets if you cause a serious accident. Most insurance professionals recommend higher liability limits, especially if you own a home or have significant savings.
No, standard homeowners insurance does not cover flood damage. This is critical in Utah County because floods cause more economic damage than any other natural disaster in Utah. Post-wildfire flooding is especially dangerous because burned ground can't absorb water. You need separate flood insurance through the National Flood Insurance Program, which typically costs a few hundred dollars annually.
Young drivers face rates around $345 per month in Provo, but you can reduce this by maintaining a good student discount (typically 10-25% off for B average or better), staying on a parent's policy if possible, choosing a safe vehicle with good crash ratings, taking a defensive driving course, and comparing quotes from multiple insurers. Auto-Owners and other carriers offer competitive rates for younger drivers—shop around aggressively.
Both approaches have merit. Local agents understand Utah County-specific risks like the Wasatch Fault and post-wildfire flooding, can bundle policies for better savings, and provide personalized service when you file claims. Online carriers like GEICO often offer lower base rates. The best strategy is to get quotes from both—compare at least one local independent agent against two online carriers to ensure you're getting the best combination of price and service.
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