Cheapest Car Insurance Quotes in South Salt Lake

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South Salt Lake Car Insurance

^$ 42

/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 $1366 for a six-month policy, which is $299 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $548, 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

$1366

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in South Salt Lake

1st place: Farmers Union Insurance

At $548 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 $585 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $753 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 $548 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $585.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2973 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	$548	$93
Auto-Owners Insurance Co	$585	$97
Nationwide	$753	$127
USAA	$859	$145
American Family	$973	$164
Progressive	$1004	$169
Auto-Owners	$1216	$205
Farm Bureau	$1688	$282
Allstate	$1764	$297
State Farm	$2669	$449
Farmers	$2973	$506

Key Takeaways

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

The auto insurance costs in South Salt Lake fall around $548 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 $1887 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 $251. Farmers is the most expensive at $1285 for the same period.

Cheapest Liability Coverage in South Salt Lake, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$251	$42
USAA	$312	$52
Auto-Owners Insurance Co	$326	$55
Nationwide	$357	$60
Progressive	$434	$73
Auto-Owners	$456	$77
American Family	$532	$90
Farm Bureau	$639	$109
Allstate	$799	$134
State Farm	$1216	$205
Farmers	$1285	$214

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 $93 per month and $548 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	$548	$93
Auto-Owners Insurance Co	$585	$97
Nationwide	$753	$127
USAA	$859	$145
American Family	$973	$164
Progressive	$1004	$169
Auto-Owners	$1216	$205
Farm Bureau	$1688	$282
Allstate	$1764	$297
State Farm	$2669	$449
Farmers	$2973	$506

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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 $65 per month. At $11322 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	$396	$65
Auto-Owners Insurance Co	$448	$77
Iowa Farm Bureau	$471	$78
Utah Farm Bureau	$509	$87
USAA	$1718	$289
Nationwide	$1893	$319
Auto-Owners	$2456	$413
Progressive	$3011	$507
American Family	$3543	$596
Farm Bureau	$4440	$755
Allstate	$6021	$1014
State Farm	$9572	$1612
Farmers	$11322	$1887

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 $419 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 $5635 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$419	$72
Farmers Union Insurance	$463	$77
Kemper	$685	$116
Auto-Owners Insurance Co	$783	$131
Progressive	$1324	$223
American Family	$1353	$228
USAA	$1955	$333
Farmers	$2760	$465
Farm Bureau	$3178	$540
Allstate	$3217	$536
Auto-Owners	$3315	$563
State Farm	$5635	$940

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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 $403 and $540, respectively. Farmers is an expensive provider with an average six-month premium of $4456.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$403	$67
Auto-Owners Insurance Co	$540	$92
Utah Farm Bureau	$639	$106
Encompass	$707	$120
USAA	$851	$143
Nationwide	$890	$150
Progressive	$1094	$184
American Family	$1308	$220
Auto-Owners	$1368	$230
Farm Bureau	$2607	$443
Allstate	$2623	$442
State Farm	$3095	$521
Farmers	$4456	$742

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 $1254 for a six month policy. While the rate increases by $326 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	$1399	$233
One Med/PIP claim	$1407	$239
Not-at-fault accident	$1437	$239
One comp claim	$1437	$244
Two Med/PIP claims	$1437	$239
Two comp claims	$1453	$247
Failure to show documents	$1588	$265
Child safety restraint	$1635	$278
Driving without lights	$1635	$273
Failure to wear a seat belt	$1635	$278
Driving with expired registration	$1665	$278
Cell phone violation	$1718	$292
Texting while driving	$1718	$287
Wrong way/wrong lane	$1718	$292
Driving too slowly	$1725	$288
Failure to yield	$1725	$293
Following too closely	$1725	$288
Illegal turn	$1725	$293
Speeding 6 - 10 MPH over limit	$1725	$288
Failure to stop at a red light	$1733	$294
Speeding 11 - 15 MPH over limit	$1733	$289
Speeding 16 - 20 MPH over limit	$1733	$294
Speeding in school zone	$1733	$289
Improper passing	$1741	$296
In 65 MPH zone	$1802	$301
Speeding 21 - 25 MPH over limit	$1833	$311
Passing school bus	$1839	$307
At-fault accident - less than $1000	$1939	$330
Operating a vehicle without permission	$2030	$338
At-fault accident - $1000-$2000	$2084	$355
Open container	$2098	$349
At-fault accident - greater than $2000	$2113	$360
Reckless driving	$2615	$436
Driving with a suspended license	$2630	$447
Refusal to submit to a chemical test	$2630	$439
DUI	$2653	$451
Racing	$2653	$443
Leaving scene of an accident/hit and run	$2767	$471

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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 $471 for a six-month policy. However, it can be as expensive as $5224 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	$471	$81
Farmers Union Insurance	$509	$84
Kemper	$585	$100
Progressive	$980	$165
USAA	$1308	$220
Nationwide	$1391	$234
American Family	$1437	$242
Allstate	$1870	$315
Farm Bureau	$1908	$325
Auto-Owners	$3155	$526
Farmers	$3999	$680
State Farm	$5224	$879

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 $319. However, it can be as expensive as $4120 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	$319	$54
Nationwide	$326	$55
Auto-Owners Insurance Co	$442	$76
American Family	$1019	$172
Progressive	$1133	$191
USAA	$1164	$193
Auto-Owners	$1216	$207
Farm Bureau	$1908	$317
Allstate	$2015	$343
State Farm	$2966	$494
Farmers	$4120	$700

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 $307 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the South Salt Lake dipped to $90 in February, compared to $210 in January. This represents an decrease of $120 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in South Salt Lake?

The car insurance in South Salt Lake is $42 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 $93 per month for full coverage.

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

Car insurance for teenagers costs $396 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 $1067 for a six-month policy. It will cost around $229 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 $548 for a six-month policy.