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.
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 |
Car insurance rates can be very different from one company to the next. USSA has the most affordable rates for the average Salt Lake City insurance customer.
Insurance Company | Average Rate (annual) |
---|---|
USAA | $646 |
Esurance | $993 |
Nationwide | $995 |
Progressive | $1,049 |
Farmers | $1,097 |
Allstate | $1,118 |
State Farm | $1,307 |
MetLife | $1,386 |
American Family | $1,416 |
Progressive | $1,565 |
Insurance Company | Average Rate (annual) |
---|---|
USAA | $358 |
Farmers | $640 |
Progressive | $651 |
Nationwide | $702 |
Allstate | $707 |
State Farm | $755 |
Esurance | $802 |
MetLife | $870 |
Progressive | $877 |
American Family | $1,006 |
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 |
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 |
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 |
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 |
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 |
Insurance Company | Average Rate (annual) |
---|---|
USAA | $817 |
Nationwide | $1,153 |
Allstate | $1,231 |
Farmers | $1,378 |
Progressive | $1,402 |
American Family | $1,433 |
State Farm | $1,437 |
Esurance | $1,499 |
Progressive | $1,931 |
MetLife | $1,955 |
Insurance Company | Average Rate (annual) |
---|---|
USAA | $976 |
American Family | $1,429 |
Allstate | $1,469 |
State Farm | $1,563 |
Farmers | $1,589 |
Nationwide | $1,659 |
Esurance | $2,041 |
Progressive | $2,161 |
Progressive | $2,528 |
MetLife | $2,577 |
Insurance Company | Average Rate (annual) |
---|---|
USAA | $1,190 |
Progressive | $1,256 |
American Family | $1,430 |
State Farm | $1,434 |
Allstate | $1,485 |
Farmers | $1,524 |
Esurance | $1,557 |
Progressive | $1,778 |
Nationwide | $2,024 |
MetLife | $3,265 |
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 |
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.
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 |
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.
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.
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:
USAA | Nationwide |
Erie | Esurance |
Hartford | Grange |
Auto-Owners Insurance Co | Progressive |
Country Financial | MetLife |
State Farm | Farmers |
Nationwide | Hanover |
Safeco | Liberty Mutual |
Travelers |
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
Way.com’s Insurance Broker Quote Data
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.
The average cost of renters insurance in Salt Lake City, Utah is $15 per month, or $180 per year.
The average annual premium in Salt Lake City for auto insurance is $1,156 per year, more than the state average.
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