Compare the Cheapest Car Insurance Quotes in Salt Lake City, UT
The average annual premium in Salt Lake City for auto insurance is $1,154 per year, equal to the state average. GEICO, the cheapest widely available insurer, has an average rate of $677. MoneyGeek analyzed the cheapest companies by coverage amount and driver types. MoneyGeek also ranked the best auto insurers in Salt Lake City based on cost and quality.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
GEICO offers the cheapest car insurance in Salt Lake City at $677 annually for full coverage and $393 on average for a state minimum policy. It’s also the most affordable insurer for drivers with a speeding ticket, costing roughly $838 a year. If you’re a military member or from a military family, USAA is the cheapest insurance company in the city. Overall, State Farm and GEICO are tied as MoneyGeek’s top picks as best car insurance companies due to their balance of quality customer service and affordability.
The Cheapest and Best Car Insurance in Salt Lake City
The Cheapest Car Insurance Companies in Salt Lake City
The companies with the cheapest full coverage insurance in Salt Lake City are:
- GEICO: $677 per year
- Esurance: $990 per year
Former and current military personnel and their families in Salt Lake City will find USAA car insurance an even more affordable option with an average annual premium of $644.
GEICO is the cheapest insurance company in Salt Lake City for most drivers. Their annual full coverage premium is 107% (or about $729) lower than that of American Family. The latter is the most expensive full coverage insurance in the city, $1,406 per year.
Full coverage policies include comprehensive and collision insurance, though rates can vary depending on the liability limits you select.
Cheapest Car Insurance in Salt Lake City
- Company100/300/100per year
- 1.$644
- 2.$677
- 3.$990
- 4.$991
- 5.$1,044
As per our methodology, MoneyGeek collected average premiums for our sample driver, a 40-year-old male with full coverage.
Full coverage auto insurance includes comprehensive and collision coverage, which is why it’s much more expensive than minimum coverage. However, full coverage policies give you more protection after an accident and help pay for damages to your vehicle.
- Collision Insurance: This coverage pays for your car’s damages if you hit another vehicle or a stationary object.
- Comprehensive Insurance: This coverage pays for repairs to your car from non-collision damage or loss, including theft.
If your car is an older model, full coverage car insurance may cost more than its replacement value. If that’s your case, you may wish to consider state minimum or liability-only insurance to get the cheapest coverage possible.
Compare Car Insurance Rates in Salt Lake City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Salt Lake City for Minimum Coverage
In Salt Lake City and elsewhere, how much coverage you purchase is one of the biggest factors affecting the cost of your auto insurance. A policy only meeting state minimums costs $734 on average in Salt Lake City, while a full coverage policy with higher liability limits costs an average of $1,154, a difference of $420.
Cheapest Minimum Liability Car Insurance in Salt Lake City
- CompanyState Minimumper year
- 1.$356
- 2.$393
- 3.$637
- 4.$647
- 5.$697
By law, drivers in Utah must have 25/65/15 minimum liability insurance. While this is the cheapest insurance, it also provides the least protection. You may have to pay out quite a bit more after an accident.
For example, if you cause an accident, and the driver's medical bills total $50,000, state minimum insurance will only cover up to $25,000 of that. You'll have to pay the remaining $25,000 in medical expenses yourself.
Utah Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $65,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$3,000 per person.
Cheapest Car Insurance in Salt Lake City if You Have Driving Violations
Your car insurance premium is affected by your driving record. Violations such as speeding tickets, at-fault accidents and DUIs result in higher coverage costs. These insurers provide cheapest car insurance in Salt Lake City for your specific violation:
- Cheapest after a ticket: GEICO, $838 per year
- Cheapest after an at-fault accident: GEICO, $1,157 per year
- Cheapest after a DUI: American Family, $1,426 per year
If you’re able to improve your driving history, you can see your premiums reduced. That takes time, so right after a ticket or car accident, shop around to see which companies offer the most affordable rates for drivers with bad records.
Cheapest Car Insurance in Salt Lake City With a Violation
- CompanySpeeding Ticketper year
- 1.$815
- 2.$838
- 3.$1,150
- 4.$1,227
- 5.$1,373
Average Cost of Car Insurance in Salt Lake City
On average, the cost of auto insurance in Salt Lake City is around $1,154. In comparison, this rate is the same as the state average annual premium but slightly lower than the national rate. Salt Lake City drivers pay approximately 19% less than the average rate in the country, which is $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Salt Lake City
Insurance carriers calculate car insurance quotes in Salt Lake City by evaluating the risks associated with a driver. These determining factors may include your age, gender, marital status, driving history, ZIP code and vehicle. For example, in Salt Lake City, middle-aged drivers tend to get the cheapest deals. Meanwhile, teen drivers get higher premiums.
A 40-year-old male pays an average of $677 for a GEICO policy in this city. On the other hand, the rate for an 18-year-old male is almost four times that amount on average. This is why it is important to regularly compare quotes from different companies. Since your circumstances can change, your auto insurance premiums may also fluctuate and you may qualify for discounts, rebates or other savings.
Compare Car Insurance Rates in Salt Lake City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Salt Lake City
MoneyGeek ranked car insurance companies in Salt Lake City to help drivers looking for a balance of affordability and quality service. Based on MoneyGeek’s study, the best companies in Salt Lake City for most drivers are:
- State Farm: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score of 100 out of 100. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these scores, MoneyGeek considered insurer financial stability, customer satisfaction and affordability, among other criteria. We also used multiple resources, including findings by data analytics and consumer intelligence company J. D. Power.









Average Cost of Car Insurance by Postal Code
Average car insurance rates in Salt Lake City also depend on where you live. Annual average premiums based on ZIP codes in this city vary by $85 from the most expensive to least expensive neighborhoods.
- Zip CodeState Minimumper year
- 84121$1,101
- 84120$1,175
- 84119$1,186
Factors That Impact Insurance Costs in Salt Lake City
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Salt Lake City. How Salt Lake City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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