Cheapest Car Insurance in Salt Lake City (2026)

Drivers in Salt Lake City can get minimum coverage for $53 per month through GEICO, with full coverage priced at $103 monthly or $1,237 annually. These rates apply to motorists with clean driving records. Because age and driving history influence which insurer offers the lowest premium, comparing quotes from multiple carriers helps drivers find their best available rate.

Utah residents spend $66 monthly on minimum coverage and $127 on full coverage. Salt Lake City drivers pay higher costs at $83 for minimum coverage and $156 for full coverage. The city's dense traffic patterns create more fender-benders and accidents, while higher vehicle theft rates in metropolitan areas push premiums up. 

Winter snow and ice add another layer of risk that insurers price into policies. These urban challenges explain why Salt Lake City's rates run well above statewide averages. Comparing quotes from multiple insurers helps drivers find the most competitive rates available.

Read More: The cheapest car insurance in Utah

The wide range of car insurance costs across age groups shows how much experience matters to insurers. Young drivers average $347 monthly, adults pay $127 monthly, and seniors pay $170 monthly across Salt Lake City's top five insurers. Young drivers pay these higher costs because they're more likely to file claims and have less experience behind the wheel.

Cheapest Salt Lake City car insurance by age:

• Young drivers: Auto-Owners at $300 per month
• Adult drivers: GEICO at $103 per month
• Senior drivers: GEICO at $141 per month

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers pay the highest Salt Lake City insurance costs, but Auto-Owners provides relief at $300 monthly or $3,603 annually for full coverage. Insurers charge these high premiums because drivers ages 16 to 25 lack experience behind the wheel and get into more accidents than any other age group. 

The average monthly premium for young drivers hits $347 compared to just $127 for adults, making youth rates more than double what experienced drivers pay.

Comparing rates saves young Salt Lake City drivers $94 monthly by choosing Auto-Owners over Allstate at $394 monthly. Adding a young driver to your family policy beats getting them standalone coverage, but expect high rates until age 25.

Note: Teen drivers may have additional state-specific requirements and restrictions. Consult your insurance provider about applicable regulations.

Seniors in Salt Lake City maintain competitive car insurance rates by building long, clean driving records, with GEICO offering full coverage at $141 per month or $1,689 annually. While some insurers raise rates for drivers over 70 due to slower reaction time concerns, seniors in the city still average $170 per month across the five cheapest insurers. 

That’s only $43 more than the $127 adult average, showing insurers continue to value experienced drivers. They save $58 per month by choosing GEICO over Farmers at $199. Completing defensive driving courses or keeping annual mileage below 7,500 miles can lower costs even further.

Salt Lake City's adult drivers between ages 26 and 64 enjoy the most competitive insurance rates, with GEICO leading at $103 monthly or $1,237 annually for full coverage. This demographic gets preferential pricing because insurers view them as combining extensive driving experience with lower accident rates than both younger and older drivers. 

Across the city's five cheapest insurers, adults average $127 monthly, the lowest of any age category. Choosing GEICO over Nationwide at $151 monthly puts $48 back in Salt Lake City adults' pockets each month. Clean driving records, policy bundling and good driver discounts provide additional ways to cut premiums.

Salt Lake City drivers with violations pay much higher rates compared to clean driving records. GEICO leads for both clean records at $53 monthly and speeding tickets at $67 monthly, while Kemper offers the best DUI rates at $97 monthly. 

The cost jump becomes clear when you look at averages across the five cheapest insurers: from $72 for clean records to $88 for speeding tickets, $114 for at-fault accidents and $109 for DUIs. At-fault accidents trigger higher premiums because you've caused actual property damage or injuries, proving you're a crash risk to insurers. 

DUIs create the largest increases since they mix dangerous behavior with serious legal consequences, placing you in the highest-risk category and often requiring SR-22 filing for license reinstatement. 

Speeding tickets generate smaller bumps because they signal risky driving without proving you've actually crashed.

The cheapest car insurance in Salt Lake City starts at just $72 monthly in ZIP code 84108, while the most expensive area (ZIP code 84104) costs $182 per month. See your ZIP code's rate in the table below.

Salt Lake City's most populated neighborhoods (84116, 84104 and 84105) show minimum coverage rates of $163, $182 and $152 monthly. These rate differences stem from neighborhood factors like accident frequency, vehicle theft rates, population density, and uninsured driver percentages. 

Use the filter above the table to locate your ZIP and check your area's rate.

Salt Lake City drivers can secure competitive rates without sacrificing proper coverage by knowing which discounts to claim and insurers to compare.

Want to find affordable coverage in Salt Lake City? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget and meets your needs.

Salt Lake City drivers pay some of Utah's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Salt Lake City's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.