Best Cheap Auto Insurance in Salt Lake City, UT (2021)

You can get Salt Lake City, UT auto insurance for an average of $352 per month and $4,288 per year, and you can purchase the cheapest Salt Lake City, Utah auto insurance from USAA and GEICO. Factors like your age, driving record, gender, and even Salt Lake City, UT weather can all affect the cost of Salt Lake City, UT car insurance.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest Salt Lake City, UT auto insurance rates can be found from USAA or GEICO
  • The average auto insurance rate in Salt Lake City is $352 per month
  • You’ll need to buy at least minimum coverage to drive in Utah legally

If you live and drive in Salt Lake City, UT, you’re probably wondering what the best Salt Lake City, UT auto insurance company is and where to get cheap auto insurance in the city. One way to save on Salt Lake City, Utah auto insurance is to shop around. You can also ask about discounts.

Read this article for everything you need to know about Salt Lake City, UT auto insurance, and how to get the best rates based on your age, gender, marital status, driving record, credit score, coverage amount, and more.

Monthly Salt Lake City, UT Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Salt Lake City, UT auto insurance rates by ZIP Code below:

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Salt Lake City, UT Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Salt Lake City, UT against other top US metro areas’ auto insurance costs.

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Ready to start shopping for affordable Salt Lake City, UT auto insurance? Enter your ZIP code in our free tool to start comparing Salt Lake City, UT auto insurance quotes today.

What is the cheapest auto insurance company in Salt Lake City, UT?

USAA and State Farm offer the cheapest auto insurance rates in Salt Lake City.

The cheapest Salt Lake City, UT car insurance providers can be found below. You also might be wondering, “How do those Salt Lake City, UT rates compare against the average Utah car insurance company rates?” We uncover that too.

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We’ve ranked some of the best car insurance companies in Salt Lake City from cheapest to most expensive. Take a look:

  • USAA – $2,887.03
  • GEICO – $3,283.39
  • Nationwide – $3,484.91
  • American Family – $4,147.13
  • Farmers – $4,404.56
  • Allstate – $4,500.06
  • Liberty Mutual – $4,937.14
  • Progressive – $5,020.05
  • State Farm – $5,362.05

These are just averages that you can use as a baseline. Rates you’ll pay in Salt Lake City will vary based on several factors, including your age, gender, marital status, and even your credit score.

Discounts can also lower these rates, and you can speak with auto insurance agents in Salt Lake City to find out what you may qualify for.

Salt Lake City, Utah car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Salt Lake City, UT car insurance costs. Find the cheapest Salt Lake City, Utah car insurance costs by coverage level below:

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Your credit score will play a major role in your Salt Lake City, UT car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Salt Lake City, Utah car insurance costs by credit score below.

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Your driving record will affect your Salt Lake City, UT car insurance costs. For example, a Salt Lake City, Utah DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Salt Lake City, Utah car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Salt Lake City, Utah car insurance. Factors affecting car insurance rates in Salt Lake City, UT may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Salt Lake City, UT car insurance rates. Young drivers are often considered high-risk. This Salt Lake City, Utah does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Salt Lake City, UT.

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What auto insurance coverage is required in Salt Lake City, UT?

When you live in Salt Lake City, you’re required to meet the minimum car insurance requirements set in Utah.

Utah requires all drivers to carry at least the following minimums:

  • $25,000 per person and $65,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $3,000 in personal injury protection (PIP) coverage

Utah is a no-fault insurance state, which is why PIP is required. While the minimum coverage will keep you legal on the road, it’s generally recommended that you get additional coverage to increase your financial protection.

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What affects auto insurance rates in Salt Lake City, UT?

External factors that affect car insurance rates can be anything from city traffic and crime to Salt Lake City, UT weather.

According to INRIX, Salt Lake City ranks as the 246th most congested city in the U.S.

City-Data reports that the average commute time in Salt Lake City is 18.5 minutes.

Crime rates, specifically auto theft, can also negatively affect your insurance rates. According to recent FBI statistics, the rate of auto theft in Salt Lake City is about 919 vehicles stolen per 100,000 population.

Salt Lake City, UT Auto Insurance: The Bottom Line

As we noted at the beginning, while auto insurance rates can be expensive, you can save on your car insurance in Salt Lake City by comparing rates and asking about discounts. It also helps to drive safely and follow all traffic laws in Utah.

If you’re ready to buy Salt Lake City, UT auto insurance, you can enter your ZIP code in the free tool on this page to start comparing rates right now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Salt Lake City, UT Auto Insurance Rates by ZIP Code
Salt Lake City, UT Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Salt Lake City, UT Auto Insurance Rates by Company vs. City Average
Salt Lake City, UT Auto Insurance Rates by Company and Age
The Cheapest Salt Lake City, UT Auto Insurance Rates by Coverage Level
The Cheapest Salt Lake City, UT Auto Insurance Rates by Credit Score
The Cheapest Salt Lake City, UT Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Salt Lake City, UT
Average Monthly Auto Insurance Rates by Age & Gender in Salt Lake City, UT
Monthly Salt Lake City, UT Auto Insurance Rates by ZIP Code
Salt Lake City, UT Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Salt Lake City, UT Auto Insurance Rates by Company vs. City Average
Salt Lake City, UT Auto Insurance Rates by Company and Age
The Cheapest Salt Lake City, UT Auto Insurance Rates by Coverage Level
The Cheapest Salt Lake City, UT Auto Insurance Rates by Credit Score
The Cheapest Salt Lake City, UT Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Salt Lake City, UT
Average Monthly Auto Insurance Rates by Age & Gender in Salt Lake City, UT