Cheapest Car Insurance Quotes in South Salt Lake

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South Salt Lake 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 South Salt Lake

The car insurance rate in South Salt Lake is $1152 for a six-month policy, which is $200 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 South Salt Lake 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 South Salt Lake

$1152

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in South Salt Lake

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 South Salt Lake.

South Salt Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Salt Lake, 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 $2364 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Salt Lake drivers find the best deals.

Cheap Car Insurance Companies in South Salt Lake, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$518	$88
Auto-Owners Insurance Co	$553	$92
Nationwide	$711	$120
USAA	$777	$131
Progressive	$877	$148
American Family	$905	$152
Auto-Owners	$1085	$183
Farm Bureau	$1208	$201
Allstate	$1646	$277
State Farm	$2034	$342
Farmers	$2364	$402

Key Takeaways

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

The auto insurance costs in South Salt Lake fall around $518 for six months.
The cheapest auto insurance company in South Salt Lake is Farmers Union Insurance.
Teen drivers pay the highest rate in South Salt Lake at $1508 per month.

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Cheapest Minimum Liability Car Insurance in South Salt Lake

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 South Salt Lake are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in South Salt Lake. Their Average 6 Month Premium is $237. Farmers is the most expensive at $1193 for the same period.

Cheapest Liability Coverage in South Salt Lake, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$237	$40
USAA	$281	$47
Auto-Owners Insurance Co	$309	$52
Nationwide	$338	$57
Progressive	$396	$67
Auto-Owners	$438	$74
Farm Bureau	$489	$81
American Family	$511	$86
Allstate	$790	$133
State Farm	$934	$157
Farmers	$1193	$198

Cheapest Full Coverage Car Insurance in South Salt Lake

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 South Salt Lake is Farmers Union Insurance at $88 per month and $518 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$518	$88
Auto-Owners Insurance Co	$553	$92
Nationwide	$711	$120
USAA	$777	$131
Progressive	$877	$148
American Family	$905	$152
Auto-Owners	$1085	$183
Farm Bureau	$1208	$201
Allstate	$1646	$277
State Farm	$2034	$342
Farmers	$2364	$402

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Average Car Insurance in South Salt Lake 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 South Salt Lake, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in South Salt Lake, 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, South Salt Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Salt Lake

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 South Salt Lake,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 South Salt Lake at $62 per month. At $9048 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	$1545	$260
Nationwide	$1790	$301
Auto-Owners	$2149	$362
Progressive	$2745	$462
Farm Bureau	$3249	$541
American Family	$3285	$553
Allstate	$5635	$949
State Farm	$7489	$1261
Farmers	$9048	$1508

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 South Salt Lake, 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 South Salt Lake is State Farm, offering rates of around $3342 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	$1035	$174
American Family	$1244	$209
USAA	$1646	$280
Farmers	$2257	$380
Farm Bureau	$2271	$386
Auto-Owners	$2745	$457
Allstate	$2946	$501
State Farm	$3342	$557

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Car Insurance Rates with An Accident in South Salt Lake

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 South Salt Lake, UT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in South Salt Lake 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 $3543.

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	$770	$129
Nationwide	$841	$142
Progressive	$927	$156
Auto-Owners	$1215	$204
American Family	$1222	$206
Farm Bureau	$1861	$317
Allstate	$2307	$388
State Farm	$2580	$434
Farmers	$3543	$590

South Salt Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Salt Lake UT. For example, the car insurance in South Salt Lake 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.

South Salt Lake 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 South Salt Lake 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 South Salt Lake.

The cheapest car insurance premiums in South Salt Lake are offered by Utah Farm Bureau at $445 for a six-month policy. However, it can be as expensive as $3960 with companies like State Farm.

South Salt Lake 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	$797	$134
USAA	$1171	$197
Nationwide	$1315	$221
American Family	$1330	$224
Farm Bureau	$1366	$227
Allstate	$1746	$294
Auto-Owners	$2660	$443
Farmers	$3184	$541
State Farm	$3960	$667

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 South Salt Lake are offered by Farmers Union Insurance at $301. However, it can be as expensive as $3285 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Salt Lake 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
Progressive	$819	$138
American Family	$934	$157
USAA	$978	$163
Auto-Owners	$1014	$172
Farm Bureau	$1366	$227
State Farm	$1768	$300
Allstate	$1855	$309
Farmers	$3285	$559

Car Insurance Price Trends in South Salt Lake, Utah

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

The average cost of full coverage in the South Salt Lake remained steady at $259 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the South Salt Lake remained steady at $82 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in South Salt Lake?

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

What is the cheapest car insurance in South Salt Lake?

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

How much is car insurance in South Salt Lake 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 South Salt Lake?

The average cost of car insurance is $952 for a six-month policy. It will cost around $194 per month to insure your car in South Salt Lake.

Is car insurance expensive in South Salt Lake?

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

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

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