The best car insurance in Salt Lake City, UT

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.

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:

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

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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

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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

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.

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: $50,000 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.