Utah residents get to experience some of the world’s most beautiful landscapes — and some difficult driving conditions. A commute on Interstate 15 could be marred by traffic congestion or a dangerous sandstorm. A venture through the canyons takes drivers through steep grades and tight curves. A trip to the slopes could mean snowy conditions, avalanche risk and a possible  moose encounter. 

Ensure that you have the proper car insurance policy on your vehicle to protect yourself in any condition. We’ve collected data from real Jerry customers in Salt Lake City to help you shop for coverage and show how rates can vary based on factors like your zip code and age.

Cheapest minimum coverage in Salt Lake City

These are the cheapest quotes that drivers in Salt Lake City have received for state-mandated minimum coverage:

As of 2025, Utah drivers must carry these coverages:

• $30,000 for bodily injury per person in one accident.
• $65,000 for bodily injury involving two or more people in one accident.
• $25,000 for property damage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage in Salt Lake City

Salt Lake City’s weather swings from 90 degrees in the summer to below freezing in the winter, which means drivers must contend with uncomfortable temperatures and icy roads. This is in addition to a relatively high risk of landslides, wildfires and earthquakes, according to FEMA’s National Risk Index. 

If your vehicle is damaged because you’ve skidded on ice or gotten caught in a natural disaster, minimum coverage won’t pay for your repairs. Full coverage, which includes comprehensive and collision insurances, may cover such repairs. Check out the cheapest quotes for full coverage in Salt Lake City that Jerry customers have received.

Cheapest car insurance for young drivers in Salt Lake City (18-29 years old)

Young drivers in Salt Lake City typically pay the highest premiums because insurers view their lack of driving experience as risky. These are the cheapest quotes that young drivers in Salt Lake City have received via Jerry.

Cheapest car insurance for mature drivers in Salt Lake City (30-54 years old)

Mature drivers between 30 and 54 years old typically pay less than younger drivers. It’s wise to rate shop regularly for the best price to keep your premium low during these years. These are the cheapest quotes that mature drivers in Salt Lake City have received via Jerry.

Cheapest car insurance for older drivers in Salt Lake City (55+ years old)

Drivers who are above 54 years old typically pay the lowest rates, although rates could start rising again once a driver reaches their 70s. These are the cheapest quotes that older drivers in Salt Lake City have received via Jerry.

Cheapest car insurance for drivers with clean records in Salt Lake City

Drivers without tickets, accidents or claims typically pay the least for auto insurance. Here are the cheapest quotes for drivers in Salt Lake City with clean records, based on Jerry’s data.

Cheapest car insurance for drivers with low credit scores in Salt Lake City

Utah allows insurers to discount drivers’ policies based on their credit scores, which means those with lower scores may miss out on savings. Since insurers have different formulas to calculate premium costs, shop around for quotes with multiple companies to ensure you’re getting the best price. Here are the quotes that drivers with credit scores below 550 in Salt Lake City have received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in Salt Lake City

Drivers with at-fault accidents on their records typically pay a higher premium. It’s wise to compare various quotes before your policy renews to ensure you’re getting the cheapest car insurance. These are the cheapest quotes that drivers in Salt Lake City with at-fault accidents have received via Jerry.

Cheapest car insurance for drivers with speeding tickets in Salt Lake City

If you’ve recently received a citation for speeding, your auto insurance bill will likely rise at renewal. These are the cheapest quotes that drivers in Salt Lake City with speeding tickets have received via Jerry.

Cheapest car insurance for drivers with DUIs in Salt Lake City

A DUI record may cause your insurer to decline to renew your policy or it may cause your premium to increase. If you’ve recently been cited, compare quotes from multiple insurers to get the coverage you need at the lowest price. These are the cheapest quotes that drivers in Salt Lake City with DUIs have received via Jerry.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.