Who Has the Best Car Insurance Rates in Salt Lake City?

Best cheap car insurance companies in Salt Lake City

Residents of Salt Lake City will likely pay the least for auto insurance from State Farm. Minimum coverage is $58 per month, on average. The best rates for full coverage come from Farm Bureau, at $238 per month, on average.

Salt Lake City is the most populous city in Utah. And people who live there pay more than average for car insurance. The state average for minimum coverage is $76 per month, but Salt Lake City drivers pay $89.

Cheapest car insurance in Salt Lake City: Farm Bureau

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Cheapest full-coverage car insurance in Salt Lake City

If you're eligible, you can pay just $537 per year with USAA. That's 50% less than the city average. USAA is only available to current and former military members and their families.

Cheapest liability insurance quotes in Salt Lake City: State Farm

Minimum-coverage auto insurance in Salt Lake City costs an average of $1,064 per year. But you can get much cheaper insurance from State Farm, Farm Bureau and Progressive. These three companies average just $765 a year for minimum coverage, making them 28% cheaper.

The most affordable rates overall came from State Farm, with minimum coverage in Salt Lake City costing an average of $701 per year. That saves State Farm customers more than $350 every year.

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Cheapest car insurance in Salt Lake City

Cheapest car insurance for young Salt Lake City drivers: Farm Bureau

Young drivers generally pay more for car insurance. An 18-year-old pays $5,429 more per year than a 30-year-old driver, at an average of $8,144 per year.

Farm Bureau offers full coverage for an 18-year-old for $374 per month. That saves $3,659 each year.

Cheapest car insurance for young drivers

Other ways young drivers can lower their premiums include staying on their parents' policy and asking insurers for . Good student and student-away-from-home discounts can help make auto insurance more affordable.

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Cheapest car insurance for people who've gotten a speeding ticket: Farm Bureau

Your rates will go up after A speeding ticket in Salt Lake City. But not as much as after an accident. Average rates increase by $1,425 per year for an at-fault accident but only $538 for a speeding ticket.

If you live in Salt Lake City and have a speeding ticket on your record, start by getting quotes from Farm Bureau. They charge $175 per month for full coverage, which is 36% less than the city average.

Cheapest car insurance after a speeding ticket

Cheapest car insurance in Salt Lake City after an accident: Farm Bureau

The average rate for a driver with an at-fault accident on their record is $4,140 per year. But Farm Bureau, State Farm and Progressive only charge an average of $3,265 per year — $875 less.

Rates will almost always be higher after an accident. In Salt Lake City, they go up by 52%, from an average of $2,715 per year to $4,140. But you should still compare quotes to make sure you're getting the best deal.

Cheapest car insurance after an accident

Cheapest car insurance for drivers with a DUI: Farm Bureau

Driving under the influence (DUI) puts you, your passengers and everyone else on the road at risk. Insurance companies raise rates far more significantly for a DUI than for other offenses, increasing annual premiums by $1,474.

The cheapest comes, once again, from Farm Bureau. They charge $2,095 per year, which is 50% cheaper than the city average of $4,189.

Cheapest car insurance after a DUI

Cheapest car insurance for drivers with poor credit: Progressive

Your credit score doesn't affect your ability to drive safely, but many companies use it to set your car insurance rates. Salt Lake City drivers with very good credit pay an average of $1,561 per year. That's far less than drivers with an average ($1,929 per year) or poor ($3,342) credit score.

Progressive is cheapest for a low credit score. They charge just $2,589 per year, which is $752 less than the city average.

Cheapest car insurance for Salt Lake City drivers with poor credit

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Cheapest car insurance for married drivers: Farm Bureau

Married drivers in Salt Lake City pay $82 less per year, on average, than single drivers. Farm Bureau has the best rates for these drivers. The average for the city is $2,633 per year, but Farm Bureau costs 31% less — just $1,811.

Cheapest car insurance for married Salt Lake City drivers

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Best auto insurance companies in Salt Lake City

Customers of major auto insurance companies were asked how satisfied they were with their most recent claims. Auto-Owners Insurance, USAA and American Family Insurance had the highest percentages of customers who were "extremely satisfied."

Average car insurance cost by Salt Lake City ZIP code

Companies set rates not just by city, age and marital status, but also by ZIP code. Certain ZIP codes have more traffic or crime than others, which can raise rates.

Residents of the most expensive ZIP code in Salt Lake City, 84140, pay $243 per month for full coverage. That's $31 more than residents of the cheapest ZIP code, 84108, pay.

Auto theft statistics in Salt Lake City

Salt Lake City is the most populous city in Utah. And it experiences the highest level of auto crime in the state. FBI data from 2019 showed that about 6 cars are stolen in Salt Lake City for every 1,000 residents.

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Methodology

Data is from nine of the largest insurance companies in Utah. Unless otherwise noted, the sample driver was a 30-year-old man who drives a 2015 Honda Civic EX with the following limits on his full-coverage policy:

Insurance rate data came from Quadrant Information Services. Rates were publicly sourced from insurance company filings and should only be used for comparative purposes. Your own quotes may be different.