There are many things you need to consider when looking for the best car insurance in Salt Lake City. Insurance providers evaluate the risks related to a driver using individualized factors. In addition, your location also has an impact on the cost of your policy. To get the most accurate rates, you need to get personalized quotes for your needs and circumstances.
Compare the Cheapest Car Insurance Quotes in Salt Lake City, UT
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Average Cost of Car Insurance in Salt Lake City
Salt Lake City$1,154
Utah$1,154
US$1,424
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.
The Best Cheap Car Insurance Companies in Salt Lake City
In terms of affordability, the cheapest option in Salt Lake City is USAA, with an average annual premium of $644. However, USAA policies are only open to military members and their families. For those who do not qualify, the most affordable option will likely be GEICO. Its annual premium costs $677 on average, which is $477 less than the city average. Meanwhile, the most expensive among the car insurance companies in Salt Lake City is Progressive. The average annual premium for a Progressive policy is $1,554, which is more than double the amount that GEICO policyholders pay.
Company
Amountper year
1. USAA
In 2020, USAA ranked #1 in Salt Lake City for the cheapest car insurance for the average driver.
$644
2. GEICO
In 2020, GEICO ranked #2 in Salt Lake City for the cheapest car insurance for the average driver.
$677
3. Esurance
In 2020, Esurance ranked #3 in Salt Lake City for the cheapest car insurance for the average driver.
$990
4. Nationwide
In 2020, Nationwide ranked #4 in Salt Lake City for the cheapest car insurance for the average driver.
$991
5. Progressive
In 2020, Progressive ranked #5 in Salt Lake City for the cheapest car insurance for the average driver.
$1,044
6. Farmers
In 2020, Farmers ranked #6 in Salt Lake City for the cheapest car insurance for the average driver.
$1,091
7. Allstate
In 2020, Allstate ranked #7 in Salt Lake City for the cheapest car insurance for the average driver.
$1,111
8. State Farm
In 2020, State Farm ranked #8 in Salt Lake City for the cheapest car insurance for the average driver.
$1,299
9. MetLife
In 2020, MetLife ranked #9 in Salt Lake City for the cheapest car insurance for the average driver.
$1,377
10. American Family
In 2020, American Family ranked #10 in Salt Lake City for the cheapest car insurance for the average driver.
$1,406
11. Progressive
In 2020, Progressive ranked #11 in Salt Lake City for the cheapest car insurance for the average driver.
$1,554
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 Auto Insurance Rates
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 by Coverage Amount
How much car insurance coverage you purchase in Salt Lake City also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Utah Minimum Liability Requirements
| Item | Description |
|---|---|
| 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. |
Before choosing a policy, you also need to ask yourself whether the state minimum liability-only coverage will be enough. GEICO offers this level of coverage for an average of $393 per year.
For additional protection, you may opt for either a 50/100/50 liability-only or full-coverage policy. GEICO charges around $477 for the liability-only package and $610 on average for the full-coverage option.
You can also choose a more comprehensive policy that can cover more injuries and damages. Car insurance companies in Salt Lake City also offer 100/300/100 full-coverage policies, which GEICO offers for an average rate of $677 per year.
Average Car Insurance Premiums by Coverage Type
Liability Only
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. USAA | $356 | $397 |
| 2. GEICO | $393 | $447 |
| 3. Progressive | $647 | $733 |
| 4. Nationwide | $697 | $720 |
| 5. Farmers | $637 | $723 |
| 6. Esurance | $794 | $809 |
| 7. Allstate | $701 | $769 |
| 8. State Farm | $748 | $865 |
| 9. MetLife | $861 | $986 |
| 10. Progressive | $867 | $938 |
| 11. American Family | $995 | $1,053 |
Full Coverage
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. USAA | $599 | $644 |
| 2. GEICO | $610 | $677 |
| 3. Progressive | $868 | $1,044 |
| 4. Nationwide | $948 | $991 |
| 5. Farmers | $986 | $1,091 |
| 6. Esurance | $974 | $990 |
| 7. Allstate | $1,028 | $1,111 |
| 8. State Farm | $1,187 | $1,299 |
| 9. MetLife | $1,397 | $1,377 |
| 10. Progressive | $1,269 | $1,554 |
| 11. American Family | $1,333 | $1,406 |
Compare Auto Insurance Rates
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 If You Have Tickets
Keeping a clean driving record helps you get the cheapest rates on the best car insurance in Salt Lake City. Getting tickets for moving violations increases auto insurance premiums. A Salt Lake City driver with a DUI conviction can pay more than twice the annual premium of a driver with no violations.
For instance, a GEICO policyholder with a clean record pays an annual premium of $677 on average. If you have a speeding ticket, that rate increases by roughly $161, and an at-fault accident adds an average of $480. Meanwhile, drivers with DUI convictions pay $857 more on average than drivers with clean records.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper year |
|---|---|---|---|
| 1. USAA | $815 | $974 | $1,188 |
| 2. GEICO | $838 | $1,157 | $1,534 |
| 3. Allstate | $1,227 | $1,465 | $1,479 |
| 4. Farmers | $1,373 | $1,583 | $1,517 |
| 5. American Family | $1,426 | $1,426 | $1,426 |
| 6. State Farm | $1,429 | $1,558 | $1,429 |
| 7. Nationwide | $1,150 | $1,652 | $2,014 |
| 8. Progressive | $1,396 | $2,152 | $1,253 |
| 9. Esurance | $1,490 | $2,033 | $1,549 |
| 10. Progressive | $1,921 | $2,518 | $1,769 |
| 11. MetLife | $1,944 | $2,566 | $3,254 |
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 Code | State Minimumper year |
|---|---|
| 84121 | $1,101 |
| 84120 | $1,175 |
| 84119 | $1,186 |
top ratedCar Insurance agentsSalt Lake City2020Top Agents Offering Affordable Car Insurance in Salt Lake City
1. Curtis Hansen - State Farm Insurance Agent511 E 300 S, Salt Lake City, UT, 84102
2. Majdas Touch Insurance4511 S 600th E, Ste 4, Salt Lake City, UT, 84107
3. Charlene Long - State Farm Insurance Agent1313 S Foothill Dr, Ste 200, Salt Lake City, UT, 84108
4. Allstate Insurance: John C Thomas231 S 1300 E, Salt Lake City, UT, 84102
5. Tebbs Brothers Insurance Group2014 E 6200th S, Salt Lake City, UT, 84121
Insurance Providers That Serve Salt Lake City
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.
Shopping around for car insurance in Salt Lake City could save you $477, which is enough to buy:
159Cups of Coffee
37Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Salt Lake City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.