Cheapest Car Insurance Quotes in Salt Lake City

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Salt Lake City Car Insurance

^$ 40

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Salt Lake City

The car insurance rate in Salt Lake City is $1291 for a six-month policy, which is $224 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $518, making it a popular choice for budget-conscious drivers. Rates in Salt Lake City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Salt Lake City

$1291

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Salt Lake City

1st place: Farmers Union Insurance

At $518 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $553 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $711 for six months, making it the third cheapest auto insurance company in Salt Lake City.

Salt Lake City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Salt Lake City, UT is Farmers Union Insurance, offering policies at just $518 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $553.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2811 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Salt Lake City drivers find the best deals.

Cheap Car Insurance Companies in Salt Lake City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$518	$88
Auto-Owners Insurance Co	$553	$92
Nationwide	$711	$120
USAA	$812	$137
American Family	$920	$155
Progressive	$949	$160
Auto-Owners	$1150	$194
Farm Bureau	$1596	$266
Allstate	$1667	$281
State Farm	$2523	$425
Farmers	$2811	$478

Key Takeaways

Way's key takeaways about car insurance in Salt Lake City

The auto insurance costs in Salt Lake City fall around $518 for six months.
The cheapest auto insurance company in Salt Lake City is Farmers Union Insurance.
Teen drivers pay the highest rate in Salt Lake City at $1784 per month.

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Cheapest Minimum Liability Car Insurance in Salt Lake City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Salt Lake City are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Salt Lake City. Their Average 6 Month Premium is $237. Farmers is the most expensive at $1215 for the same period.

Cheapest Liability Coverage in Salt Lake City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$237	$40
USAA	$295	$50
Auto-Owners Insurance Co	$309	$52
Nationwide	$338	$57
Progressive	$410	$69
Auto-Owners	$431	$73
American Family	$503	$85
Farm Bureau	$604	$103
Allstate	$755	$127
State Farm	$1150	$194
Farmers	$1215	$202

Cheapest Full Coverage Car Insurance in Salt Lake City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Salt Lake City is Farmers Union Insurance at $88 per month and $518 for six months.

Cheapest Full Coverage Car Insurance Quotes in Salt Lake City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$518	$88
Auto-Owners Insurance Co	$553	$92
Nationwide	$711	$120
USAA	$812	$137
American Family	$920	$155
Progressive	$949	$160
Auto-Owners	$1150	$194
Farm Bureau	$1596	$266
Allstate	$1667	$281
State Farm	$2523	$425
Farmers	$2811	$478

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Average Car Insurance in Salt Lake City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Salt Lake City, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Salt Lake City, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Salt Lake City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Salt Lake City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Salt Lake City,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Salt Lake City at $62 per month. At $10702 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$374	$62
Auto-Owners Insurance Co	$424	$73
Iowa Farm Bureau	$445	$74
Utah Farm Bureau	$482	$82
USAA	$1624	$273
Nationwide	$1790	$301
Auto-Owners	$2322	$391
Progressive	$2846	$479
American Family	$3349	$564
Farm Bureau	$4197	$714
Allstate	$5692	$958
State Farm	$9048	$1523
Farmers	$10702	$1784

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Salt Lake City, Nationwide is the cheapest car insurance provider. At $396 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Salt Lake City is State Farm, offering rates of around $5326 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$396	$68
Farmers Union Insurance	$438	$73
Kemper	$647	$110
Auto-Owners Insurance Co	$741	$123
Progressive	$1251	$211
American Family	$1279	$215
USAA	$1848	$315
Farmers	$2609	$439
Farm Bureau	$3004	$511
Allstate	$3041	$507
Auto-Owners	$3134	$532
State Farm	$5326	$888

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Car Insurance Rates with An Accident in Salt Lake City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Salt Lake City, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Salt Lake City

The cheapest car insurance companies after an at-fault accident in Salt Lake City include Farmers Union Insurance and AutoOwners Insurance Co, offering $381 and $511, respectively. Farmers is an expensive provider with an average six-month premium of $4212.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$381	$63
Auto-Owners Insurance Co	$511	$87
Utah Farm Bureau	$604	$100
Encompass	$668	$114
USAA	$805	$136
Nationwide	$841	$142
Progressive	$1035	$174
American Family	$1237	$208
Auto-Owners	$1293	$218
Farm Bureau	$2465	$419
Allstate	$2479	$417
State Farm	$2926	$492
Farmers	$4212	$702

Salt Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Salt Lake City UT. For example, the car insurance in Salt Lake City after a DUI increases to $1185 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Salt Lake City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1323	$220
One Med/PIP claim	$1330	$226
Not-at-fault accident	$1359	$226
One comp claim	$1359	$231
Two Med/PIP claims	$1359	$226
Two comp claims	$1373	$234
Failure to show documents	$1502	$250
Child safety restraint	$1545	$263
Driving without lights	$1545	$258
Failure to wear a seat belt	$1545	$263
Driving with expired registration	$1574	$263
Cell phone violation	$1624	$276
Texting while driving	$1624	$271
Wrong way/wrong lane	$1624	$276
Driving too slowly	$1631	$272
Failure to yield	$1631	$277
Following too closely	$1631	$272
Illegal turn	$1631	$277
Speeding 6 - 10 MPH over limit	$1631	$272
Failure to stop at a red light	$1638	$278
Speeding 11 - 15 MPH over limit	$1638	$273
Speeding 16 - 20 MPH over limit	$1638	$278
Speeding in school zone	$1638	$273
Improper passing	$1646	$280
In 65 MPH zone	$1704	$284
Speeding 21 - 25 MPH over limit	$1733	$294
Passing school bus	$1739	$290
At-fault accident - less than $1000	$1833	$312
Operating a vehicle without permission	$1919	$319
At-fault accident - $1000-$2000	$1970	$335
Open container	$1983	$330
At-fault accident - greater than $2000	$1998	$340
Reckless driving	$2472	$413
Driving with a suspended license	$2487	$422
Refusal to submit to a chemical test	$2487	$415
DUI	$2508	$426
Racing	$2508	$419
Leaving scene of an accident/hit and run	$2616	$445

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Salt Lake City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Salt Lake City.

The cheapest car insurance premiums in Salt Lake City are offered by Utah Farm Bureau at $445 for a six-month policy. However, it can be as expensive as $4938 with companies like State Farm.

Salt Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$445	$76
Farmers Union Insurance	$482	$80
Kemper	$553	$94
Progressive	$927	$156
USAA	$1237	$208
Nationwide	$1315	$221
American Family	$1359	$229
Allstate	$1768	$298
Farm Bureau	$1804	$307
Auto-Owners	$2983	$497
Farmers	$3780	$643
State Farm	$4938	$831

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Salt Lake City are offered by Farmers Union Insurance at $301. However, it can be as expensive as $3895 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Salt Lake City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$301	$51
Nationwide	$309	$52
Auto-Owners Insurance Co	$417	$71
American Family	$963	$162
Progressive	$1071	$180
USAA	$1100	$183
Auto-Owners	$1150	$196
Farm Bureau	$1804	$300
Allstate	$1905	$324
State Farm	$2804	$467
Farmers	$3895	$662

Car Insurance Price Trends in Salt Lake City, Utah

Car insurance rates in Salt Lake City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Salt Lake City remained steady at $290 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Salt Lake City dipped to $85 in March, compared to $198 in February. This represents an decrease of $113 when comparing March and February.

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Average Car Insurance Cost in Salt Lake City by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Salt Lake City. At $1342 for a six-month policy, insuring your car at 84108 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
84108	$1342	$225
84118	$1471	$246
84107	$1368	$229
84109	$1355	$227
84115	$1355	$227
84104	$1355	$227
84103	$1342	$225
84117	$1355	$227
84106	$1381	$231
84116	$1381	$231
84105	$1342	$225
84111	$1316	$220
84121	$1394	$233
84102	$1329	$223
84113	$1291	$216
84124	$1342	$225
84112	$1291	$216
84123	$1394	$233
84101	$1291	$216

Frequently Asked Questions

How much is car insurance in Salt Lake City?

The car insurance in Salt Lake City is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Salt Lake City?

The cheapest car insurance in Salt Lake City is $88 per month for full coverage.

How much is car insurance in Salt Lake City for teenagers?

Car insurance for teenagers costs $374 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Salt Lake City?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $217 per month to insure your car in Salt Lake City.

Is car insurance expensive in Salt Lake City?

Car insurance can be expensive in Salt Lake City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Salt Lake City can be affordable.

What is the best car insurance in Salt Lake City, UT?

The best car insurance company in Salt Lake City UT is Farmers Union Insurance, offering $518 for a six-month policy.