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Get Cheap Car Insurance in Salt Lake City, UT
We monitor insurance prices, helping the average driver in the Salt Lake City area save up to 42.8% on car insurance.
The Cheapest Minimum Coverage in Salt Lake City
The chart below shows the cheapest car insurance company in Salt Lake City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by Auto-Owners Insurance, Travelers, and State Farm.
| Salt Lake City Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $55 |
| Auto-Owners Insurance | $55 |
| Travelers | $64 |
| State Farm | $66 |
Savings for Every Kind of Salt Lake City Driver
Based on our extensive insurance data, we know the average Salt Lake City driver will save about 31% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $464 per year by choosing the right vehicle insurance company. Some Salt Lake City residents are paying out over $1,511 extra every year for auto insurance in Salt Lake City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Salt Lake City, UT Savings / Yr. |
|---|---|
$464 |
|
$845 |
|
$676 |
|
$853 |
|
$2,239 |
|
$244 |
|
$976 |
Salt Lake City Car Insurance vs. Utah
People living in Salt Lake City pay an average of 6.18% more than the typical driver in the state. The average driver in Salt Lake City can expect to pay about $839 per year, or $1,511 for full coverage.
Based on our analysis, Bear River Mutual will be the cheapest provider in Salt Lake City for most people.
Car Insurance Prices by Salt Lake City Neighborhood
Insurance Prices
Where is insurance cheapest within Salt Lake City?
The map shows insurance prices in and around Salt Lake City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $471 per year within the city boundaries, with insurance premiums ranging from a high of $1,847 to a low of $1,376. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Salt Lake City.Pick the Best Car Insurance Company for You in Salt Lake City
The best car insurance provider for most drivers in Salt Lake City
For drivers with clean driving records and no major strikes, Bear River Mutual is the best option, with annual savings of $464 over the average Salt Lake City car insurance company.
The best car insurance provider for Salt Lake City drivers with accidents on their records
In our analysis, Bear River Mutual saved the average person who had been in an accident the most, with annual savings averaging $845 over the competition.
The best car insurance company for Salt Lake City drivers with speeding tickets
>Bear River Mutual gave the average person with a speeding ticket the most savings, averaging $676 better than other car insurance companies.
The best auto insurance for Salt Lake City drivers with a DUI conviction
Getting a quote from Bear River Mutual may cost the average person with a DUI about $853 less each year.
The least expensive car insurance company for new and young drivers in Salt Lake City
In Salt Lake City, Bear River Mutual costs young drivers $2,239 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Salt Lake City
Progressive gave the largest car insurance discounts to married couples, averaging $244 saved each year compared to an average Salt Lake City couple's premiums.
The cheapest car insurance in Salt Lake City for drivers with bad credit
The best Salt Lake City car insurance company for customer service
Nationwide was the best company for customer service in Salt Lake City according to the NAIC.
Recent price drops
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The cheapest large national provider in Salt Lake City
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Salt Lake City driver can expect to pay about $105 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Salt Lake City, USAA has the best prices for young drivers, good drivers, drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, married couples, and drivers with accidents.Auto Insurance Prices in and Around Salt Lake City
What Influences the Cost of Car Insurance in Salt Lake City?
On average, car insurance in Salt Lake City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Salt Lake City area is 28 minutes, which is about the national average for a driver in the state.
- Utah state insurance regulations may allow for lower prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Salt Lake City area are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Salt Lake City is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Salt Lake City is $70 per month for minimum coverage and $126 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- South Salt Lake: Insurance costs 4.90% more
- Holladay: Insurance costs 2.65% less
- Murray: Insurance costs 0.46% less
- North Salt Lake: Insurance costs 6.62% less
- West Valley City: Insurance costs 5.49% more
- Taylorsville: Insurance costs 2.25% more
- Woods Cross: Insurance costs 5.29% less
- Bountiful: Insurance costs 4.77% less
- Midvale: Insurance costs 1.06% more
- Cottonwood Heights: Insurance costs 2.45% less
Cities with Similar Populations
- Escondido: Insurance costs 32.96% more
- Columbus: Insurance costs 23.23% less
- Charlotte: Insurance costs 13.70% more
- Clearwater: Insurance costs 88.22% more
- Clifton: Insurance costs 43.94% more
- Conyers: Insurance costs 31.90% more
- Citrus Heights: Insurance costs 38.32% more
- Columbia: Insurance costs 32.83% more
- Cincinnati: Insurance costs 23.83% less
- Columbia: Insurance costs 17.47% more