A full coverage car insurance policy in Salt Lake City costs an average of $1,766 per year. That’s $211 more than the statewide average in Utah, which is $1,555 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.
Methodology & why you can trust our rates
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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
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, which is why it's so important to shop around before picking a policy. Here are the cheapest companies in Salt Lake City by average rate:
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $1,042 | 874 |
USAA | $1,101 | 890 |
Auto-Owners Insurance | $1,220 | 865 |
Nationwide | $1,336 | 868 |
State Farm | $1,383 | 882 |
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.
ZIP code | Average cost |
|---|---|
84108 | $1,666 |
84113 | $1,677 |
84103 | $1,705 |
84102 | $1,709 |
84112 | $1,725 |
84106 | $1,735 |
84105 | $1,737 |
84114 | $1,741 |
84132 | $1,766 |
84111 | $1,773 |
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.
Violation | GEICO | USAA | Auto-Owners Insurance | Nationwide | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,625 | $1,710 | $1,972 | $2,439 | $1,675 |
DUI | $1,878 | $2,222 | $3,291 | $3,124 | $1,538 |
Suspended license | $2,258 | $1,949 | $3,291 | $3,124 | $1,538 |
Open container | $1,878 | $1,777 | $3,291 | $1,670 | $1,538 |
Expired registration | $1,153 | $1,492 | $1,225 | $1,670 | $1,538 |
Driving without lights | $1,441 | $1,160 | $1,225 | $1,670 | $1,538 |
Running a red light | $1,441 | $1,492 | $1,225 | $1,670 | $1,538 |
Following too closely | $1,441 | $1,492 | $1,225 | $1,670 | $1,538 |
Hit and run | $2,525 | $2,288 | $3,291 | $3,124 | $1,538 |
Not-at-fault accident | $1,086 | $1,160 | $1,225 | $1,384 | $1,400 |
Passing a school bus | $1,441 | $1,777 | $1,225 | $3,124 | $1,538 |
Reckless driving | $2,525 | $1,777 | $3,291 | $3,124 | $1,538 |
Speeding | $2,525 | $1,492 | $1,587 | $1,670 | $1,538 |
Cheapest car insurance for drivers with a DUI in Salt Lake City, UT
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,538 |
GEICO | $1,878 |
USAA | $2,222 |
Nationwide | $3,124 |
Auto-Owners Insurance | $3,291 |
Cheapest car insurance for drivers with a speeding ticket in Salt Lake City, UT
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,492 |
State Farm | $1,538 |
Auto-Owners Insurance | $1,587 |
Nationwide | $1,670 |
GEICO | $2,525 |
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.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,872 |
Nationwide | $1,935 |
USAA | $2,473 |
Progressive | $2,526 |
United Insurance | $2,668 |
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
Frequently asked questions
Who has the cheapest car insurance rates in Salt Lake City?
Our data shows that the two cheapest car insurance companies in Salt Lake City are GEICO and USAA, although drivers must be affiliated with the U.S. military in order to qualify for a policy with USAA.
Is Utah a no-fault state?
Yes, Utah is a no-fault state. That means that if you’re hurt in a car accident, you file a claim for your injuries with your own car insurance company, even if another driver was at-fault.
Does Utah require car insurance?
Yes, Utah requires car insurance. You must carry a minimum of $25,000 per person, $65,000 per accident in bodily injury liability and $15,000 in property damage liability. Utah drivers are also required to have $3,000 in Personal Injury Protection (PIP) per person.
How much is car insurance per month in Utah?
The average cost of car insurance in Utah is $130 per month, or $1,555 per year.
