Compare Salt Lake City, UT Car Insurance Rates (2021)

The cheapest car insurance in Salt Lake City, UT, is USAA. However, car insurance rates will vary for each person. Salt Lake City, UT car insurance must meet the state minimum requirements with coverage levels of 25/65/15 for liability and $3,000 for PIP. Compare Salt Lake City, UT car insurance rates online to get the best price for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 4, 2021

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Here's what you need to know...

  • Salt Lake City, Utah car insurance costs $296 more than the national average
  • The most affordable car insurance companies in Salt Lake City, UT are American Family, GEICO, Nationwide, and USAA
  • Utah’s car insurance requirements are 25/65/15 and $3,000 in PIP
  • In 2019, Salt Lake City had the highest vehicle thefts in Utah

On average, Salt Lake City, UT car insurance rates are $4,228 per year. This puts Salt Lake City’s average rate $296 more than the national annual average and $616 more than Utah’s annual average for car insurance.

However, Salt Lake City, Utah car insurance rates depend on the company and other factors that affect car insurance.

Our guide explains how you can secure cheap car insurance in Salt Lake City, UT, for every age, credit history, and driving record.

Ready to find affordable Salt Lake City, UT car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Salt Lake City, UT?

The cheapest auto insurance company in Salt Lake City, UT, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are GEICO and Nationwide.

Here are the best auto insurance companies in Salt Lake City, Utah, ranked from cheapest to most expensive:

  • USAA – $2,887
  • GEICO – $3,283
  • Nationwide – $3,485
  • American Family – $4,174
  • Farmers – $4,405
  • Allstate – $4,500
  • Liberty Mutual – $4,937
  • Progressive – $5,020
  • State Farm – $5,362

USAA, GEICO, Nationwide, and American Family are the only Salt Lake City companies that offer cheaper than average car insurance rates. With the right discounts, you can lower your annual costs.

Before you get any discount, car insurance providers will inspect specific factors that determine your car insurance rates, such as age, gender, marital status, driving record, and credit history.

The most significant factor is your driving record. Some car insurance companies provide up to 40 percent off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.

Even your location is a factor. Did you know your neighborhood ZIP code can save you hundreds more if you live in a safer address? The cheapest ZIP code in Salt Lake City, UT, is 84102, and its average car insurance cost is $332 per month.

If you’re a single driver under 25 years old, you could face auto insurance quotes up to $10,100 per year. On the other hand, married drivers over 24 may have car insurance rates of about $2,400 per year.

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What are the minimum car insurance coverage requirements in Salt Lake City, UT?

All Salt Lake City drivers must have the minimum Utah car insurance requirements, which are:

  • $25,000 per person and $65,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $3,000 for personal injury protection (PIP)

Some car insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in insurance. Also, this will help avoid out-of-pocket costs if you get into an accident.

What affects car insurance rates in Salt Lake City, UT?

Did you know that your daily commute affects your car insurance? Even a city’s motor vehicle thefts affect car insurance quotes.

According to Data USA, it takes the average Salt Lake City driver 18 minutes to get to work. Salt Lake City’s average commute is faster than the national average commute time.

However, vehicle theft has a significant impact on comprehensive car insurance. Higher rates of motor vehicle theft will certainly increase car insurance costs. The FBI annual statistics reported that Salt Lake City had 1,260 auto thefts in 2019.

Salt Lake City, UT Auto Insurance: The Bottom Line

Salt Lake City, UT car insurance rates are more expensive than most cities in the United States. You can save hundreds on car insurance if you maintain a clean driving record and a good credit score.

Teen and young adult drivers should consider going under a parent or legal guardian’s car insurance policy to save. Also, you can get discounts for safety and anti-theft features on your vehicle.

Before you buy car insurance in Salt Lake City, UT, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Salt Lake City, UT car insurance quotes.

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