A full coverage car insurance policy in Salt Lake City costs an average of $1,721 per year. That’s $218 more than the statewide average in Utah, which is $1,503 per year.
Salt Lake City drivers can save on car insurance by shopping around and comparing rates before picking a policy. Policygenius can show you options from top companies so you can find the right car insurance policy for your situation.
Cheapest car insurance companies in Salt Lake City, UT
Car insurance costs can vary depending on where you live, your age, your driving record, and the car you drive. And each insurance company has its own method for setting rates, so you can get two different rates from two companies for similar coverage.
Cheapest car insurance rates by ZIP code in Salt Lake City, UT
Insurance companies use ZIP codes to calculate the risks of owning a car in your neighborhood. They weigh reports of theft and vandalism in your area, the number of nearby accidents and even traffic tickets issued where you live.
Choosing the right car insurance company in Salt Lake City, UT
Choosing the right car insurance company might seem daunting, but it all comes down to comparing a few factors.
Cost: Get quotes from multiple companies so you can see offers you the best deal
Coverage: The higher you set your limits, the better protected you’ll be in case of an accident
Service: Compare more than just cost — check customer service ratings and claims satisfaction scores before you choose a company
Policygenius makes shopping easy by showing you rates from top companies, so you can choose the policy that works best for you.
Car insurance rates for drivers with driving violations in Salt Lake City, UT
Speeding tickets and accidents will increase your insurance rates, and more serious violations, like a DUI, will mean even higher rats. Drivers with a spotty record should make sure to take time and shop around for coverage.
Cheapest car insurance for drivers with bad credit in Salt Lake City, UT
A lower credit score usually means you’ll pay more for car insurance coverage, while drivers with higher scores see lower rates.
Buying car insurance in Salt Lake City, UT
Utah requires all drivers to have at least a minimum amount of car insurance coverage. The minimum amounts required by law are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $65,000
Property damage liability coverage: $15,000
Personal Injury Protection (PIP): $3,000 per person
Utah drivers must be able to provide proof of insurance if requested by law enforcement. If you are found guilty of driving without insurance, then it is considered a Class B misdemeanor. Penalties include a fine of up to $1,000, suspension of your license or vehicle registration, filing an SR-22 certificate, and a $100 reinstatement fee.
How to get cheap car insurance in Salt Lake City, UT
Drive safely: Drive carefully and obey the rules of the road to avoid accidents and traffic violations
Shop around: Check rates from multiple car insurance companies before you buy a policy
Find discounts: Ask about possible reduced rates for the members of the military, low mileage drivers, safe drivers, good students, and professional groups including firefighters and teachers
Bundle policies: If you have renters, homeowners, or other property insurance, using the same company for your car insurance policy could lower all your rates
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
