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Car Insurance for Salt Lake City, Utah

Salt Lake City is the most populated city in Utah, and auto insurance rates there are much higher than the average for the state. That's why it's essential to get quotes from more than one insurance company. To compare and find the best among your options.

Whether you live in the city or on the outskirts, Way.com can help you get car insurance without having to give up anything. Get a free quote for car insurance in Utah right now.

How Much Does Car Insurance Cost In Salt Lake City?

Salt lake city vs Utah vs United States - Average Annual Rate

In Salt Lake City, a year's worth of car insurance costs about $1,546. That's more than the average price in Utah, which is $1,324, but less than the average price in the U.S.

Salt Lake City Utah United States
$1,546 $1,324 $1,557

Salt Lake City Auto Insurance Premiums By Company

Car insurance rates can be very different from one company to the next. Bear River has the most affordable rates for the average Salt Lake City insurance customer.

Insurance Company Average Annual Rate
Bear River $676
The General $1,209
AAA $1,297
Iowa Farm Bureau $1,344
State Farm $1,626

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Salt Lake City Auto Insurance Premiums By Age Group

In Salt Lake City, drivers in their teens pay more than drivers in their twenties. When drivers are in their 20s, their insurance rates go down a lot. In Salt Lake City, drivers in their teens pay more than drivers in their 20s. And the rates gradually decrease after the 30s.

Age Average Annual Rate
Teenagers $6,206
20s $2,182
30s $1,542
40s $1,523
50s $1,468
60s $1,496
70s $1,899

Salt Lake City Auto Insurance Premiums By Marital status

In many places, married people pay less for car insurance than single people. Car insurance costs the same for married people and for single people, in Salt Lake City. The rates for widows are higher than the rates for single people.

Gender/Marital Status Average Annual Rate
Single $1,446
Married $1,446
Divorced $1,503
Widowed $1,486

Salt Lake City Auto Insurance Premiums By Gender

In Salt Lake City, your car insurance rates can be affected by your marital status. But most of the time, auto insurance costs more for women drivers than for men.

Gender/Marital Status Average Annual Rate
Female $1,626
Male $1,566

Salt Lake City Auto Insurance Premiums By Driving Record

DUI and careless driving are two of the most expensive tickets to get. Compared to the average in Salt Lake City, if a driver is caught driving recklessly, their insurance rates will go up by almost $700 per year. A DUI can lead to around a $508 rate increase, while a speeding ticket can lead to a $246 rate increase.

Incident Average Annual Rate
DWI/DUI $2,046
Reckless Driving $2,208
At-fault Accident (damages less than $1,000) $2,063
At-fault Accident (damages greater than $2,000) $2,122
Speeding Ticket (16-20 mph over speed limit) $1,783

Salt Lake City Auto Insurance Premiums By Credit Rating

There is a strong link between a driver's credit score and how much they pay for car insurance. When it goes from "Very Poor" (300-579) to "Exceptional" (800-850), drivers in Salt Lake City can save up to 63% on their auto insurance rates. A great way to save money on car insurance is to move from "Very Poor" to "Fair" credit. In Salt Lake City, if you get your credit score to "Fair," you could save around $1,466 a year on your insurance premiums.

Credit Tier Average Annual Rate
Very Poor $3,323
Fair $1,888
Good $1,546
Very Good $1,389
Exceptional $1,231

Salt Lake City Auto Insurance Premiums by Zip Code

Residents of Salt Lake's most expensive ZIP code, 84140, paid $2,946 per year for full coverage. And residents of Salt Lake City with ZIP code, 84108 have the least premium rates.

ZIP code Average Annual Rate
84101 $2,824
84102 $2,623
84103 $2,634
84104 $2,913
84105 $2,633
84106 $2,668
84108 $2,545
84109 $2,642
84111 $2,724
84112 $2,634
84113 $2,589
84114 $2,642
84115 $2,817
84116 $2,866
84117 $2,699
84121 $2,687
84129 $2,865
84132 $2,789
84133 $2,867
84138 $2,843
84140 $2,946

What Would Increase Your Car Insurance Rate In Salt Lake City?

In Salt Lake City, your driving record will affect how much you pay for car insurance. Insurance costs go up when you get a ticket for speeding, causing an accident, or getting a DUI. Your auto insurance rates may be affected by your car, how you drive, your age, where you live, the coverages, limits, the deductibles you choose, your age, and the security features of your car.

Auto Theft Statistics In Salt Lake City

Salt Lake City is not only the most populated city in Utah, but it also has the most car thefts. Based on 2019 FBI data, about 6 cars are stolen for every 1,000 people in Salt Lake City.

City Population Car thefts Thefts per 1,000
Salt Lake City 202,426 1,260 6.22

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Accident Statistics In Salt Lake City

Accidents that end in death on Utah's roads have been getting worse over time. Data from the National Highway Administration show that there are more and more fatal car accidents over time. It's becoming a big worry for the safety of people on the roads.

According to a report from the Utah Department of Public Safety, there were 276 deaths in the state of Utah in 2020. This was an increase of 11.3% from the previous year.

Useful Info For Driving in Salt Lake City

Speed limits

On interstate highways, the speed limit in Utah is up to 80 mph, which is pretty fast. The state has speed limit laws that say you must change your speed based on the weather, the amount of traffic, and the conditions of the road. Here are a few of the most common speed limits in Utah.

Category Permitted Speed Limit
School zones 20 mph
Within city limits 25 mph
Highways 55 mph
Urban highways and interstates 65-70 mph
Interstates 80 mph

Parking

Most of the time, places where you can't make a U-turn will have signs. When you make a U-turn, make sure you can see in either direction and that you are not close to a curve or slope in the road.

Different states and cities have different parking rules, so it's always a good idea to look up your destination before you go. Here are some Utah parking rules that will help you avoid getting a ticket or being pulled over.

  • Don't park less than 20 feet away from a crosswalk.
  • You shouldn't park closer than 15 feet to a fire hydrant.
  • Do not park less than 30 feet from places where people walk.
  • It is against the law to park in two spots at once.
  • Do not park within 20 feet of a fire station's driveway. If you park on the opposite side of the road from the entrance, you should be 75 feet away.
  • Don't park at a crosswalk or at a corner.
  • Red zones and red curbs are places where parking is not allowed.
  • On Utah's interstate highways, you can only pull over and park on the hard shoulder if your car breaks down, you have an accident, or you are in trouble.

Car Insurance Companies in Salt Lake City

If you drive and own a car, you need auto insurance not only for your protection but also because Utah state law requires it. These are the top car insurance companies in Salt Lake City:

Car Insurance Companies in Salt Lake City
USAA Nationwide
Erie Esurance
Hartford Grange
Auto-Owners Insurance Co Progressive
The General Travelers
Country Financial MetLife
State Farm Farmers
Nationwide Hanover
Safeco Liberty Mutual

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

How much are car insurance rates in Salt Lake City?

In Salt Lake City, a year's worth of car insurance costs about $1,546. That's more than the average price in Utah, which is $1,324, but less than the average price in the U.S.

How much is renters' insurance in Salt Lake City?

The average cost of renters insurance in Salt Lake City, Utah is $15 per month, or $180 per year.

What is the average monthly premium car insurance Salt Lake City?

The average annual premium in Salt Lake City for auto insurance is $1,156 per year, more than the state average.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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