Average car insurance cost in Salt Lake City
Full coverage car insurance in Salt Lake City costs an average of $2,508 per year, or $209 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $854 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,254 |
| Average annual premium | $2,508 |
| State minimum premium | $854 |
Cheapest car insurance companies in Salt Lake City
Nationwide is the cheapest car insurance company in Salt Lake City, with an average full coverage rate of $1,309 per year. GEICO is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Salt Lake City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $655 | $1,309 |
| GEICO | $729 | $1,457 |
| Auto-Owners | $1,100 | $2,201 |
| United Insurance Co | $1,358 | $2,716 |
| Progressive | $1,411 | $2,823 |
| Farmers | $1,535 | $3,070 |
| Allstate | $1,675 | $3,349 |
| Iowa Farm Bureau | $1,798 | $3,596 |
| State Farm | $2,676 | $5,352 |
| USAA | $739 | $1,479 |
Cheapest car insurance cost in Salt Lake City by age group
The cheapest car insurance company in Salt Lake City varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Nationwide is cheapest for teens, GEICO for young adults, Nationwide for adults, and Nationwide for seniors in our rate analysis.
Take a look at the cheapest companies in Salt Lake City by age group:
- Cheapest for teens: Nationwide
- Cheapest for young adults: GEICO
- Cheapest for adults: Nationwide
- Cheapest for seniors: Nationwide
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Nationwide offers the cheapest car insurance for teens at $5,155 per year.
GEICO offers the most affordable auto insurance for young adults at $2,275 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,258 per year for adult drivers in Salt Lake City.
Nationwide offers the least expensive car insurance for senior drivers in Salt Lake City, at $1,285 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Nationwide | $5,155 | $2,376 | $1,258 | $1,285 |
| GEICO | $5,695 | $2,275 | $1,442 | $1,570 |
| Auto-Owners | $7,504 | $4,544 | $2,240 | $2,420 |
| United Insurance Co | $7,200 | $4,266 | $2,726 | $3,021 |
| Progressive | $13,398 | $5,672 | $2,788 | $2,645 |
| Farmers | $14,023 | $4,047 | $2,902 | $2,907 |
| Allstate | $12,845 | $4,661 | $3,326 | $3,549 |
| Iowa Farm Bureau | $12,074 | $6,200 | $3,606 | $3,765 |
| State Farm | $19,001 | $11,581 | $5,332 | $5,453 |
| USAA | $6,476 | $2,382 | $1,482 | $1,610 |
Cheapest car insurance companies in Salt Lake City by driver profile
The cheapest car insurance provider in Salt Lake City varies based on driving history and credit-based insurance information. Nationwide has the lowest rate after an at-fault accident, Nationwide after a DUI, and Nationwide after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Salt Lake City by driver profile.
- Cheapest for poor credit: Nationwide
- Cheapest for an at-fault accident: Nationwide
- Cheapest for a DUI: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
Cheapest for a driver with poor credit: Nationwide
Drivers with poor credit in Salt Lake City can find the lowest average car insurance rate from Nationwide at $1,856 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Salt Lake City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $928 | $1,856 |
| GEICO | $1,378 | $2,755 |
| Progressive | $2,407 | $4,814 |
| Farmers | $2,851 | $5,702 |
| Allstate | $3,020 | $6,039 |
| Auto-Owners | $3,029 | $6,059 |
| State Farm | $5,425 | $10,850 |
| USAA | $1,668 | $3,337 |
Cheapest auto insurance after an at-fault accident: Nationwide
After an at-fault accident, Nationwide has the cheapest average car insurance in Salt Lake City at $2,295 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Salt Lake City.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $1,148 | $2,295 |
| GEICO | $1,439 | $2,879 |
| Auto-Owners | $1,946 | $3,891 |
| Progressive | $2,184 | $4,368 |
| Allstate | $2,383 | $4,766 |
| Farmers | $2,828 | $5,657 |
| State Farm | $3,110 | $6,219 |
| USAA | $1,144 | $2,287 |
Cheapest auto insurance after a DUI: Nationwide
Nationwide offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $2,950 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Salt Lake City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $1,475 | $2,950 |
| GEICO | $1,518 | $3,036 |
| Progressive | $1,608 | $3,216 |
| Allstate | $2,269 | $4,538 |
| State Farm | $2,856 | $5,713 |
| Auto-Owners | $2,928 | $5,857 |
| Farmers | $3,054 | $6,108 |
| USAA | $1,426 | $2,852 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest car insurance at $1,583 in Salt Lake City for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $791 | $1,583 |
| Auto-Owners | $1,420 | $2,840 |
| GEICO | $1,430 | $2,860 |
| Progressive | $1,825 | $3,650 |
| Allstate | $1,861 | $3,722 |
| Farmers | $2,117 | $4,234 |
| State Farm | $2,856 | $5,713 |
| USAA | $952 | $1,904 |
Car insurance discounts for Salt Lake City drivers
The largest available car insurance discount in Salt Lake City is Loyalty - Years Renewal With Company, which provides average savings of 74% through State Farm. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Salt Lake City drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $1,188 | $1,171 | 1% | $16 |
| Air Bags | GEICO | $1,397 | $1,390 | 1% | $8 |
| Air Bags | Auto-Owners | $1,953 | $1,938 | 1% | $15 |
| Anti-Theft Device | Auto-Owners | $1,953 | $1,936 | 1% | $17 |
| Comp and Coll Deductibles | Nationwide | $1,188 | $1,058 | 11% | $129 |
| Comp and Coll Deductibles | GEICO | $1,397 | $1,223 | 12% | $174 |
| Comp and Coll Deductibles | Auto-Owners | $1,953 | $1,877 | 4% | $76 |
| Comp and Coll Deductibles | Progressive | $2,622 | $2,409 | 8% | $213 |
| Comp and Coll Deductibles | Farmers | $2,752 | $2,558 | 7% | $193 |
| Comp and Coll Deductibles | Allstate | $2,879 | $2,567 | 11% | $312 |
| Comp and Coll Deductibles | Iowa Farm Bureau | $3,138 | $2,665 | 15% | $473 |
| Comp and Coll Deductibles | State Farm | $4,444 | $4,200 | 5% | $243 |
| Daily Commute | Auto-Owners | $1,953 | $1,812 | 7% | $141 |
| Daily Commute | Iowa Farm Bureau | $3,138 | $3,089 | 2% | $49 |
| Days Advanced Purchase | Nationwide | $1,188 | $1,140 | 4% | $47 |
| Days Advanced Purchase | Auto-Owners | $1,953 | $1,807 | 7% | $146 |
| Days Advanced Purchase | Allstate | $2,879 | $2,446 | 15% | $433 |
| Days Advanced Purchase | Farmers | $2,752 | $2,477 | 10% | $274 |
| Days Advanced Purchase | Progressive | $2,622 | $2,543 | 3% | $79 |
| Education | GEICO | $1,397 | $971 | 31% | $426 |
| Education | Progressive | $2,622 | $2,394 | 9% | $227 |
| Electronic Funds Transfer | United Insurance Co | $2,531 | $2,283 | 10% | $248 |
| Electronic Funds Transfer | Farmers | $2,752 | $2,697 | 2% | $55 |
| Electronic Funds Transfer | Allstate | $2,879 | $2,711 | 6% | $168 |
| Electronic Signature | Progressive | $2,622 | $2,410 | 8% | $212 |
| Homeowner | Auto-Owners | $1,953 | $1,816 | 7% | $136 |
| Homeowner | United Insurance Co | $2,531 | $2,283 | 10% | $248 |
| Homeowner | Farmers | $2,752 | $2,426 | 12% | $326 |
| Homeowner | Progressive | $2,622 | $2,562 | 2% | $60 |
| Homeowner | Allstate | $2,879 | $2,827 | 2% | $52 |
| Lower Annual Mileage | GEICO | $1,397 | $1,355 | 3% | $42 |
| Lower Annual Mileage | United Insurance Co | $2,531 | $2,397 | 5% | $134 |
| Lower Annual Mileage | Progressive | $2,622 | $2,540 | 3% | $81 |
| Lower Annual Mileage | State Farm | $4,444 | $3,993 | 10% | $451 |
| Loyalty - Years Renewal With Company | State Farm | $4,444 | $1,176 | 74% | $3,268 |
| Loyalty - Years Renewal With Company | GEICO | $1,397 | $1,296 | 7% | $102 |
| Loyalty - Years Renewal With Company | Progressive | $2,622 | $2,594 | 1% | $27 |
| Loyalty - Years Renewal With Company | Iowa Farm Bureau | $3,138 | $2,759 | 12% | $379 |
| Marital Status | Nationwide | $1,188 | $1,078 | 9% | $110 |
| Marital Status | GEICO | $1,397 | $1,323 | 5% | $74 |
| Marital Status | United Insurance Co | $2,531 | $2,237 | 12% | $294 |
| Marital Status | Progressive | $2,622 | $2,288 | 13% | $333 |
| Marital Status | Farmers | $2,752 | $2,581 | 6% | $171 |
| Marital Status | Allstate | $2,879 | $2,792 | 3% | $87 |
| Marital Status | Iowa Farm Bureau | $3,138 | $2,996 | 5% | $142 |
| Multi Policy | Nationwide | $1,188 | $1,129 | 5% | $59 |
| Multi Policy | GEICO | $1,397 | $1,342 | 4% | $55 |
| Multi Policy | Auto-Owners | $1,953 | $1,789 | 8% | $164 |
| Multi Policy | United Insurance Co | $2,531 | $2,283 | 10% | $248 |
| Multi Policy | Progressive | $2,622 | $2,403 | 8% | $218 |
| Multi Policy | Farmers | $2,752 | $2,413 | 12% | $339 |
| Multi Policy | Allstate | $2,879 | $2,639 | 8% | $240 |
| Multi Policy | Iowa Farm Bureau | $3,138 | $2,872 | 8% | $266 |
| Multi Policy | State Farm | $4,444 | $3,877 | 13% | $567 |
| Paperless/Electornic Documents | Allstate | $2,879 | $2,595 | 10% | $284 |
| Paperless/Electornic Documents | Progressive | $2,622 | $2,600 | 1% | $22 |
| Paperless/Electornic Documents | Farmers | $2,752 | $2,664 | 3% | $87 |
| Payment Type | Auto-Owners | $1,953 | $1,699 | 13% | $254 |
| Payment Type | United Insurance Co | $2,531 | $2,283 | 10% | $248 |
| Payment Type | Farmers | $2,752 | $2,614 | 5% | $137 |
| Payment Type | Allstate | $2,879 | $2,617 | 9% | $262 |
| Payment Type | Iowa Farm Bureau | $3,138 | $2,825 | 10% | $313 |
| Primary Use | Nationwide | $1,188 | $1,093 | 8% | $94 |
| Primary Use | Auto-Owners | $1,953 | $1,702 | 13% | $251 |
| Primary Use | Progressive | $2,622 | $2,591 | 1% | $31 |
| Primary Use | Allstate | $2,879 | $2,669 | 7% | $209 |
| Primary Use | Iowa Farm Bureau | $3,138 | $2,748 | 12% | $390 |
| Primary Use | State Farm | $4,444 | $3,897 | 12% | $546 |
| Profession | Progressive | $2,622 | $2,296 | 12% | $326 |
| Safety Devices | GEICO | $1,397 | $1,371 | 2% | $27 |
| Safety Devices | Auto-Owners | $1,953 | $1,874 | 4% | $78 |
| Safety Devices | Progressive | $2,622 | $2,530 | 3% | $91 |
| Telematics | Progressive | $2,622 | $2,228 | 15% | $394 |
| Telematics | Iowa Farm Bureau | $3,138 | $2,888 | 8% | $250 |
| Telematics | State Farm | $4,444 | $4,045 | 9% | $399 |
| Years Insured | Nationwide | $1,188 | $1,057 | 11% | $130 |
| Years Insured | GEICO | $1,397 | $1,128 | 19% | $269 |
| Years Insured | Auto-Owners | $1,953 | $1,658 | 15% | $295 |
| Years Insured | Iowa Farm Bureau | $3,138 | $1,920 | 39% | $1,218 |
| Years Insured | Progressive | $2,622 | $2,081 | 21% | $541 |
| Years Insured | Allstate | $2,879 | $2,166 | 25% | $713 |
| Years Insured | Farmers | $2,752 | $2,491 | 9% | $261 |
| Years Licensed | State Farm | $4,444 | $3,652 | 18% | $792 |
| Anti-Theft Device | USAA | $1,354 | $1,327 | 2% | $26 |
| Days Advanced Purchase | USAA | $1,354 | $1,284 | 5% | $70 |
| Electronic Funds Transfer | USAA | $1,354 | $1,316 | 3% | $38 |
| Lower Annual Mileage | USAA | $1,354 | $1,278 | 6% | $76 |
| Marital Status | USAA | $1,354 | $1,240 | 8% | $114 |
| Multi Policy | USAA | $1,354 | $1,302 | 4% | $52 |
| Primary Use | USAA | $1,354 | $1,126 | 17% | $228 |
| Safety Devices | USAA | $1,354 | $1,336 | 1% | $18 |
| Years Insured | USAA | $1,354 | $1,177 | 13% | $177 |
How to get cheap car insurance in Salt Lake City in 2025
To get cheap car insurance in Salt Lake City in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Salt Lake City by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Salt Lake City.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Salt Lake City
How much does car insurance cost in Salt Lake City?
Car insurance costs $2,508 per year on average, or about $209 monthly for full coverage in Salt Lake City. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in UT?
No, you don't legally need full coverage in UT, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Salt Lake City?
You can reduce your car insurance costs in Salt Lake City by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
