Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Salt Lake City, Utah.

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Updated on Nov 21, 2024

Jasmine Kanter

Expert Insurance Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Maria Cruz, Expert Insurance Writer & Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Salt Lake City
Best car insurance companies in Salt Lake City
Best cheap auto insurance quotes in Salt Lake City
Average cost of car insurance in Salt Lake City
Car insurance quotes in Salt Lake City by rating factors
How do different factors impact your car insurance costs in Salt Lake City?
Cheap car insurance quotes in Salt Lake City after driving violations
Cheap car insurance quotes in Salt Lake City by age
Cheap car insurance quotes in Salt Lake City based on insurance history
Cheap car insurance quotes in Salt Lake City for popular cars
How to lower car insurance costs in Salt Lake City
FAQ
Methodology
Sources
Meet our experts

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How to find the cheapest car insurance quotes in Salt Lake City

The founder of Salt Lake City picked the location for Salt Lake Temple just four days after his arrival, and the town grew around that site. Today, the capital and most populous city in Utah is a well-known destination for religious tourism, but it’s also a hot spot for skiing, outdoor recreation, cultural festivals, and architecture.

It’s also a major transportation hub: the city sits at the crossroads of the north/south I-15 and the east/west I-80. It’s connected by public transportation, intercity Amtrak, a commuter rail, and a light rail with 60,000 daily riders—not to mention an international airport and plenty of bike lanes.

In fact, most of SLC’s

car insurance

issues stem from its high traffic numbers and population density. On average, it costs more to drive here than in the rest of the state: a minimum coverage policy is about $950 per year or $79 per month, and a full coverage policy is $1,900 per year or $158 per month. These figures are comparable to the national average.

But just because it’s hard to find

affordable car insurance in Utah

doesn’t mean it’s impossible. The

Jerry

Insurance Agency provides a fast, free, and easy way to compare local car insurance quotes on your smartphone. It only takes 45 seconds to sign up and less than a minute to compare deals from over 55 top providers.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$74	Minnie, 42 Zip: 84120	Nissan Juke Nismo	• State Minimum Liability
AAA	$189	Katie, 24 Zip: 84116	Ford Focus SE	• 25,000/50,000 Liability • Comp / Collision
Nationwide	$91	Madge, 39 Zip: 84106	Honda Passport Elite	• State Minimum Liability • Comp / Collision
Allstate	$298	Cecelia, 57 Zip: 84121	Honda Accord EXL	• 100,000/300,000 Liability • Comp / Collision
Clearcover	$122	Rachel, 39 Zip: 84111	Mazda 3 i	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Compare car insurance quotes now

Best car insurance companies in Salt Lake City

The title of “best car insurance company in Salt Lake City” depends on who’s judging the contest. If affordability is your number one concern, these five providers fit the bill:

Insurance company	Average annual full coverage rate in Aspen	Jerry user rating
Clearcover	$1,052	4.6
Travelers	$1,454	4.5
Allstate	$1,845	4.5
Progressive	$1,865	4.2
Safeco	$2,034	4.5

However, if you’re more concerned with customer service, claims processing, and more, you should take a look at the results of Jerry’s national survey. We asked over 15,000 verified policyholders across 50 states what they thought of 87 insurance providers.

Utah motorists voted overwhelmingly for Clearcover as the most affordable and best overall choice. However,

State Farm

scored better for customer service rating, and American Family Insurance did better at handling claims. Larger companies like

GEICO

USAA

, and

Farmers

had middling scores.

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap auto insurance quotes in Salt Lake City

Salt Lake City drivers must obey Utah’s minimum insurance laws, which include liability insurance and personal injury protection. A minimum coverage policy is cheaper, but for better financial protection, it’s wise to raise your coverage limits and explore additional coverage options.

Jerry’s insurance agents recommend carrying a full coverage car insurance policy with liability limits of 100/300/100.

Cheap minimum liability insurance quotes in Salt Lake City

Utah’s minimum car insurance requirements

include

liability insurance

and

Personal Injury Protection (PIP)

. Liability insurance pays for the other driver’s medical treatments and vehicle repair or replacement bills if you cause an accident. PIP pays for your and your passengers’ medical bills regardless of who’s at fault.

The minimum liability coverage limits in Utah follow a 25/65/15 rule, which means at least:

$25,000 of

bodily injury liability

coverage per person

$65,000 of bodily injury liability coverage per accident

$15,000 of

property damage liability

coverage per accident

Plus $80,000 of PIP coverage per accident1

The minimum described above costs an average of $950 per year or $79 per month in Salt Lake City.

Anyone who owns a self-insured, private rental fleet should note that the minimum liability limits are set to increase on January 1, 2025. As of this date, you’ll have to buy 30/65/25 liability coverage plus $90,000 of PIP.2

Progressive

Minnie (42 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84120)

Nissan Juke Nismo

$74

per month

Safeco

Joe (33 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84101)

Audi Q5 Premium Plus

$66

per month

Travelers

Matthew (31 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84104)

Ford Explorer Limited

$112

per month

Allstate

Alexander (26 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84111)

Mazda 3 i

$101

per month

National General

Ralph (30 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84121)

Volkswagen Jetta S

$104

per month

Do you need more than minimum coverage in Salt Lake City?

Thanks to Salt Lake City’s population density, high auto theft rate, and above-average snowfall, you probably need more than the minimum coverage.

The factors above increase your chances of getting into a car accident that causes severe injuries or a total loss vehicle. If that happens, and the resulting medical bills exceed $65,000—or you have to pay more than $15,000 to replace the other driver’s car—you’ll be on the hook for the rest.

The bottom line: You can better protect your current and future financial assets by raising your coverage limits to 50/100/50, or better yet, 100/300/100.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheapest full coverage car insurance quotes in Salt Lake City

Full coverage auto insurance

is the best protection against all the potential disasters of life on the road. Full coverage in Salt Lake City pays for the costs to repair or replace your own vehicle after a covered incident.

A full coverage car insurance policy in Salt Lake City includes both:

Collision coverage

: Covers the cost of collision-related damage, such as broken bumpers or bodywork, to your vehicle

Comprehensive coverage

: Pays for non-collision damage, such as vandalism, theft, or even damage from hail or falling branches

If you lease or finance your car, check the fine print of your agreement. Almost every dealership and finance company asks drivers to carry collision, comprehensive, and gap insurance to protect their investment.3

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$126	Devin, 40 Zip: 84101	Dodge Dart SE
• 100,000/300,000 Liability • Comp / Collision	Travelers	$113	Ruth, 31 Zip: 84115	Subaru Crosstrek Premium
• State Minimum Liability • Comp / Collision	Nationwide	$91	Madge, 39 Zip: 84106	Honda Passport Elite
• 100,000/300,000 Liability • Comp / Collision	Safeco	$108	Ella, 42 Zip: 84109	Audi S5 Premium Plus
• 100,000/300,000 Liability • Comp / Collision	Clearcover	$122	Rachel, 39 Zip: 84111	Mazda 3 i

Last Updated Nov 16, 2024

"This was my first experience getting my own car insurance. Progressive made it easy to sign up and had the lowest rates for full coverage."

Jaymie

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Salt Lake City

The average cost of car insurance in Salt Lake City is about $950 per year or $79 per month for minimum insurance coverage. Full coverage costs about $1,900 per year or $158 per month.

Utah auto insurance costs slightly less, on average, but you can blame SLC’s high rates on:

Auto theft rates: While the number of motor vehicles stolen in Salt Lake City has recently dipped, there were still about 1,700 cars stolen in 2022.4 The increased risk of paying a crime-related claim causes insurers to raise their rates.

Congestion: SLC is the 124th most congested city in the US. Every driver loses 12 hours to congestion per year.5 The number of vehicles on the roads contributes to a high rate of accidents, which in turn causes high insurance rates.

Extreme temperatures: Salt Lake City isn’t just sunny and hot in the summer; it also gets an above-average amount of snowfall, with about 13.5 inches falling in January. Both temperature extremes cause vision issues and poor road conditions, which lead to more accidents.6

High population: The math is easy: nearly 200,000 city residents (as of 2020) means more cars on the road, which means more accidents, which means higher premiums.7

Motor crash fatalities: The number of car accident fatalities per 100,000 residents in Utah is only slightly below average. Lower is better because car insurance companies are averse to risk.8

Urban roads: The data shows that more crash deaths happen on urban roads than on rural ones. Urban interstate highways and freeways are also more deadly than local and collector roads, and SLC has two major freeways nearby.9

Average cost of car insurance in Salt Lake City by ZIP code

The cost of car insurance in Salt Lake City can greatly differ depending on your specific zip code. Each individual zip code within Salt Lake City has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Here are the three least expensive ZIP codes in Salt Lake City, followed by the three most expensive:

ZIP Code	Monthly minimum coverage cost
84124	$63
84108	$64
84107	$64
84102	$112
84138	$118
84120	$177

Compare car insurance costs in other states

Colorado car insurance

Nevada car insurance

Wyoming car insurance

Arizona car insurance

Idaho car insurance

New Mexico car insurance

California car insurance

Montana car insurance

Car insurance quotes in Salt Lake City by rating factors

Insurance companies in Salt Lake City use many rating factors when

calculating your auto insurance premiums

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your driving history and claims history: A history full of accidents or violations will generally get you higher premiums than a clean driving record.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your mileage: High annual mileage can result in higher insurance costs.

How do different factors impact your car insurance costs in Salt Lake City?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Utah currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Salt Lake City:

Cheap car insurance quotes in Salt Lake City after driving violations

Traffic violations can have a major impact on how much you pay for car insurance in Salt Lake City—especially if you have more than one on your record. With a pattern of violations, insurance companies will consider you a

high-risk driver

and charge you higher rates to compensate for the risk of insuring you.

Cheap car insurance in Salt Lake City after a speeding ticket

Utah speeding ticket

could increase your car insurance rates by an average of 24%. Depending on how fast you sped over the limit, you’ll also have to deal with increased fines,

driver violation points

, and other penalties.

If you drive more than 105 MPH, you can be charged with

reckless driving in Utah

. In addition to the financial and legal consequences of a speeding ticket, your car insurance rates are likely to skyrocket after a ticket.

Here are the average car insurance costs in Utah following a speeding violation:

Violation	Monthly coverage cost
Speeding 6-10 mph over the limit	$83
Speeding 11-15 mph over the limit	$201
Speeding 16-20 mph over the limit	$257

Cheapest car insurance in Salt Lake City after DUI

Salt Lake City is subject to

Utah’s strict DUI laws

. Any DUI conviction in Salt Lake City—or elsewhere—will trigger very high premiums, and it’s even possible that an auto insurance company could deny you coverage.

You can find affordable car insurance after a DUI conviction, but you’ll need to shop around and compare quotes to find the best rate for your situation.

Jerry has helped real Salt Lake City drivers find affordable rates after a DUI.

Progressive

Maude (44 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84102)

Honda Pilot EXL

$149

per month

Travelers

Ethel (39 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84118)

Chevrolet Silverado K1500 LT

$181

per month

Bristol West

Jerome (44 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84123)

Mazda CX-3 Touring

$310

per month

Clearcover

Jerry (34 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84109)

Subaru Outback 2.5I Premium

$85

per month

Cheapest car insurance in Salt Lake City after an at-fault accident

Do you have an at-fault accident on your record? This will negatively affect your car insurance rates—especially if it was a recent one.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$165	Ida, 42 Zip: 84118	Jeep Commander Limited	• State Minimum Liability
At Fault With No Injury	Safeco	$66	Marcus, 32 Zip: 84101	Audi Q5 Premium Plus	• State Minimum Liability
Not At Fault	Allstate	$151	Sally, 33 Zip: 84116	Toyota Highlander	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$256	Marc, 26 Zip: 84103	Honda Accord Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheapest car insurance in Salt Lake City after other driving violations

Your premium could go up after infractions such as careless driving or improper passing. Break a law, suffer the consequences!

Luckily, Jerry helps drivers find affordable coverage even with a spotty driving record.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$459	Connor, 25 Zip: 84116	Volkswagen Jetta S	• 50,000/100,000 Liability • Comp / Collision
Defective Equipment	Progressive	$70	Terry, 26 Zip: 84111	Fiat 500 POP	• 50,000/100,000 Liability • Comp / Collision
Failure to Yield	Allstate	$246	Sophie, 43 Zip: 84119	Acura 3.2TL	• 100,000/300,000 Liability
Careless Driving	Safeco	$160	Nancy, 39 Zip: 84104	Buick Lucerne CXL	• 100,000/300,000 Liability
Driving on Sus. License	Nationwide	$171	Jordan, 23 Zip: 84107	Lexus GS 350	• 50,000/100,000 Liability • Comp / Collision
Failure to Yield	Clearcover	$121	Dean, 21 Zip: 84104	Ford Crown Victoria Police Interceptor	• State Minimum Liability
Improper Passing	Bristol West	$121	Olive, 29 Zip: 84115	Hyundai Sonata SE	• State Minimum Liability

Last Updated Nov 21, 2024

Cheap car insurance quotes in Salt Lake City by age

No matter where you live, your age is a key determinant in calculating your rate. The age group that pays the least for insurance coverage is 25-75 years old. Younger drivers pay more for coverage due to the risks associated with their lack of experience, while older drivers pay more due to their increased vulnerability to injuries.9

Cheapest car insurance in Salt Lake City for young drivers

In Salt Lake City, new drivers under 19 years old—or those with a

Utah learner’s permit

—pay the most for car insurance. According to some data, drivers under the age of 25 pay almost three times as much as a 55-year-old driver for the same coverage in 2023.10

The reason why is simple: teen drivers have the least experience behind the wheel, and they’re also more vulnerable to accidents and distracted driving.11 As a result, full coverage is a good choice for insuring a young teen in Salt Lake City who is driving a newer vehicle.

Progressive

Esther (24 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84107)

Lexus GS 350

$82

per month

Safeco

Christopher (21 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Salt Lake City, UT
(Zip Code: 84123)

Toyota Celica GT

$286

per month

Travelers

Christine (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84116)

Subaru Outback 2.5I Premium

$244

per month

Allstate

Mayme (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84123)

Ford Fusion SE

$169

per month

Clearcover

Lela (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84108)

BMW 528 i

$107

per month

Cheapest car insurance in Salt Lake City for senior drivers

Older drivers over the age of 70 have an increased risk of getting into a car accident as their hearing, vision, and reflex time decline. If they do get into a car accident, they’re also more vulnerable to suffering serious injuries.12

Insurance companies in Salt Lake City tend to charge a lot for

car insurance for senior drivers

as a result. Jerry helped these drivers find the exceptions to the rule:

Progressive

Maria (69 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84123)

GMC Envoy

$230

per month

Travelers

Cynthia (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Salt Lake City, UT
(Zip Code: 84106)

Nissan Xterra XE

$62

per month

Safeco

Danny (81 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84119)

Ford Mustang

$175

per month

Gainsco

Eva (75 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84117)

Toyota Camry LE

$234

per month

National General

Mayme (67 years old)

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84102)

BMW X5 3.0i

$125

per month

Cheap car insurance quotes in Salt Lake City based on insurance history

Like your driving record and claims history, your insurance history plays a significant role in deciding your premiums.13 Providers look at how long you’ve been insured and whether you’ve experienced any

car insurance lapses

that could indicate missed payments or risky behavior.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is that Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Hunter (24 years old)

Currently Insured

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84129)

Honda CR-V EX

$158

per month

Travelers

Aaron (25 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Salt Lake City, UT
(Zip Code: 84123)

Mazda 3 i

$213

per month

Nationwide

Bettie (26 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84105)

Mazda CX-5 Sport

$90

per month

Safeco

Jean (31 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salt Lake City, UT
(Zip Code: 84107)

Subaru Forester 2.5X

$68

per month

Clearcover

Hallie (38 years old)

Currently Insured

Coverage

State Minimum

Salt Lake City, UT
(Zip Code: 84106)

Mazda CX-5 Grand Touring

$113

per month

Finding cheap car insurance in Salt Lake City: hear from real drivers

They are always willing to help you with everything that you have going on! Awesome customer service.

Ross

I’m appreciative of how easy and helpful Jerry was. Insurance can be stressful. I had been researching for a few weeks and looking for a better rate. I was so relieved when I found this. Buying the policy was easy and the communication was great!!

Sarah-1

They are really quick and have a low deductible as well as wonderful customer support.

Jade

Cheap car insurance quotes in Salt Lake City for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Cheap car insurance quotes in Salt Lake City for drivers with poor credit

Low credit scores don’t necessarily make you a bad driver, but

they can still push up your insurance costs

. Statistically, a low credit rating is associated with a higher rate of insurance claims.

As a result, Utah drivers with “bad credit” may face increased premiums. According to our data, drivers with fair credit (710-740) pay 49% more for car insurance than drivers with excellent credit (823+). And drivers with poor credit (524-577) pay 44% more than drivers with fair credit and 115% more than drivers with excellent credit.14

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$106	Cecelia, 42 Zip: 84107	Honda Pilot LX	• State Minimum Liability • Comp / Collision
660 - 750	Travelers	$175	Frank, 66 Zip: 84120	Subaru Legacy 2.5I Limited	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Safeco	$113	Stella, 32 Zip: 84104	Hyundai Kona SEL	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Allstate	$207	Jason, 33 Zip: 84107	Subaru Impreza Limited	• 100,000/300,000 Liability • Comp / Collision
< 550	Clearcover	$150	Elmer, 24 Zip: 84116	Ford C-Max SEL	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Salt Lake City for popular cars

Your Salt Lake City car insurance rates are partially determined by the make and model of your vehicle. That’s because some cars cost less to repair, have more safety features, or are more vulnerable to theft.

Here are a few of the most popular cars in Salt Lake City:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 XLE	Progressive	$71	Tyler, 29 Zip: 84107	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 19, 2024

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Salt Lake City

1. Shop around and compare quotes

Finding the most competitive car insurance rate means checking out the competition. However, the dozens of providers in Salt Lake City make

comparison shopping

a tedious chore.

Jerry’s

quote-comparing PriceProtect™ takes 45 seconds to sign up and less than a minute to collect quotes from top providers.

It’s easy to check local deals when you have the most affordable rates delivered straight to your smartphone for free.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every provider offers

car insurance discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts: Get insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

If you need more than one insurance product, look for bundling discounts. You could save up to 25% on the right home and auto insurance bundle!

3. Increase your deductible for comprehensive and collision coverage

Raising your deductible lets you hold onto full-coverage car insurance while lowering your monthly bills. You could save between 7% and 28% each year.15

However, you should only raise your deductible to an amount you can comfortably afford.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Salt Lake City?

Car insurance in Salt Lake City costs an average of $950 per year for minimum insurance coverage and $1,900 per year for full coverage. For comparison, Utah car insurance costs about $804-$1,588 per year on average, while the average rate nationwide ranges from $927 to $1,984 per year.

What is the cheapest car insurance in Salt Lake City?

The cheapest car insurance in Salt Lake City is state minimum coverage, which costs about $79 per month. However, the insurance provider with the cheapest coverage changes depending on your individual driver profile. You’ll have a better chance of finding the lowest rate if you

compare multiple personalized car insurance quotes at once

What is the minimum car insurance in Salt Lake City, Utah?

The minimum car insurance required in Salt Lake City, Utah, follows the 25/65/15 rule. That means at least:

$25,000 of bodily injury liability coverage per person

$65,000 of bodily injury liability coverage per accident

$15,000 of property damage liability coverage per accident

Plus $80,000 of personal injury protection coverage per accident

What is the best car insurance in Salt Lake City?

The best car insurance company in Salt Lake City changes depending on your priorities. In Jerry’s national insurance shopping survey, Utah drivers voted Clearcover the most affordable provider,

State Farm

the king of customer service, and American Family Insurance the best option for satisfying claims.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 providers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S304.html

https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs--owned-car-whats-the-difference-458114.aspx

https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend

https://inrix.com/scorecard-city-2022/?city=Salt%20Lake%20City%20UT&index=689

https://www.city-data.com/city/Salt-Lake-City-Utah.html

https://data.census.gov/profile/Salt_Lake_City_city,_Utah?g=160XX00US4967000

https://www.iihs.org/topics/fatality-statistics/detail/state-by-state

https://www.iii.org/article/what-determines-price-my-auto-insurance-policy

https://www.insurancebusinessmag.com/us/guides/a-guide-to-cheap-car-insurance-for-new-drivers-459484.aspx

https://www.iii.org/article/background-on-teen-drivers

https://www.iii.org/article/background-on-older-drivers

https://www.iii.org/article/what-if-i-cant-find-auto-coverage

https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf

https://www.forbes.com/advisor/car-insurance/savings-by-raising-car-insurance-deductible/

Meet our experts

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.

Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.