Cheapest Auto Insurance in Salt Lake City, Utah (2025)
USAA has the cheapest liability coverage in Salt Lake City, with a rate of $64 per month.
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Written byChoncé Maddox
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7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Table of contents
Salt Lake City drivers pay an average of $108 per month for liability car insurance. Despite having the largest population in Utah — more than 200,000 people — Salt Lake City’s average insurance costs aren’t much higher than the Utah state average. For comparison, the average cost of liability insurance is $98 per month in Utah and $101 in the U.S.
Salt Lake City drivers may pay marginally more expensive rates in Utah because of higher rates of motor vehicle theft. Your insurance rates will depend on your driver profile, so it’s worth taking the time to compare car insurance quotes from multiple companies before buying a policy.
Quick Facts
USAA, Auto-Owners, and National General have the cheapest liability insurance in Salt Lake City.
The average cost of full-coverage insurance is $179 per month in the U.S., $143 in Utah, and $152 in Salt Lake City.
Due to the elevation of some cities in Utah, the state has stricter blood alcohol content (BAC) restrictions.
3 of the cheapest car insurance companies in Salt Lake City
Choosing the best car insurance company in Salt Lake City depends on your unique situation, budget, and coverage needs. When assessing your options, it’s important to consider factors like your age, driving history, and each insurer’s reputation for providing coverage, customer service, and effective claims handling.
Here’s a look at three of the best insurance options for Salt Lake City drivers looking for cheap rates. The quotes provided below reflect average statewide costs in Utah.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $83 | $60 | Cheap rates |
| American Family | 9.3 | $140 | $101 | Drivers with an accident |
| State Farm | 9.3 | $110 | $80 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best insurer for cheap rates: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.9
Best choiceBased on 2,265 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,263)
Joe
Verified Review
Car Insurance Rates
Reviewed in Delaware on October 2025
Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.
Halbert
Verified Review
Good
Reviewed in Michigan on October 2025
Lowering car insurance rates!
Gary
Verified Review
Hard to beat USAA
Reviewed in West Virginia on October 2025
I have both auto and home insurance with USAA, and they are great!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In business for 100 years, USAA exclusively serves members of the military and their immediate families. Auto insurance customers have access to several discounts, including for bundling car insurance with homeowners or renters insurance, insuring multiple vehicles, living on a military base, and more. The company also had the highest or second-highest rating of all insurers in every region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
High customer satisfaction ratings
Savings of up to 30% possible via SafePilot program
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer support
Best insurer for drivers with an accident: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $109/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
4.5
Best choiceBased on 502 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (248)
Holly
Verified Review
Our Family
Reviewed in Ohio on October 2025
Wonderful and easy-to-use claims.
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family Insurance has an excellent rating from AM Best for both financial strength and credit. American Family stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and a well below-average number of complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. This insurer also offers accident forgiveness and lower rates for Salt Lake City drivers overall.
Pros
High rates of customer satisfaction
Numerous available discounts and coverage options
Cons
Available in only 18 states
Accident forgiveness is an additional coverage
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.0
Best choiceBased on 11,984 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,298)
Karen
Verified Review
State Farm - Is It Worth the Money?
Reviewed in Montana on October 2025
State Farm charges very high rates. The agent never contacts you to discuss the policy; you have to call them. The agent has only talked to us in person once when he signed us up for insurance. Double-check charges. First, we're told a policy is canceled, and then it's back on again. Also, vehicles were put down as work vehicles that weren't because it is a dually, and you don't use a dually for personal use.
We asked that it not be listed as work as we have a work vehicle, and it has taken them a couple of months to send it through processing. Still don't know if it is listed as personal or work because nobody calls to tell us. Make sure you get a company that communicates effectively.
Also, if State Farm can spend millions of dollars on a 15-second commercial for the Super Bowl, why can't they drop rates? This is not fair. If they are in the blue, why not pass it on to the customer? We are the ones that put the money in there.
Bruce
Verified Review
Excellent
Reviewed in New York on October 2025
My overall experience has been excellent, except for the price.
Ralph
Verified Review
No complaints
Reviewed in Florida on October 2025
My agent has been very attentive in addressing my needs.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the NAIC Consumer Complaints Index. State Farm also offers several discounts to students and young drivers who practice safe driving habits.
Pros
Variety of available coverage options, including emergency roadside assistance and rental car coverage
Several discounts for young drivers
Cons
Gap insurance not available
Accident forgiveness not available
How to get the cheapest car insurance in Salt Lake City
Getting the cheapest car insurance in Salt Lake City will depend on factors like your age, ZIP code, driving history, and type of coverage. Here are a few hands-on ways to lower your car insurance costs:
Keep a clean driving record. If you have a history of accidents, traffic violations, or DUIs, your insurance premiums will be higher, so it’s essential to be a safe and responsible driver. To keep a clean driving record, follow traffic rules, avoid distractions while driving, and maintain a safe distance from other vehicles on the road.
Check insurance costs when buying a car. Insurance costs vary depending on the car’s model, year, safety features, and other factors. For instance, sports cars are generally more expensive to insure than family sedans. Research and compare insurance quotes for similar models before buying a car.
Ask about discounts. Most car insurance companies offer several discounts you can take advantage of — ask your insurer or insurance agent which you qualify for.
Shop around. Shopping around to compare insurance quotes is one of the simplest ways of getting the cheapest car insurance rates. Different insurers may offer different rates, discounts, and coverage options, so it’s important to get quotes from multiple insurers and compare them before making a decision. You can get help from an agent or consider using online tools to help you compare insurance options.
Find Cheap Car Insurance in Salt Lake City
Liability quotes start as low as $64 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest liability-only car insurance in Salt Lake City: USAA
Liability-only car insurance offers basic coverage for the other person’s vehicle and their medical expenses after an accident. Due to this limited coverage, liability insurance tends to be cheaper. It won’t pay for any of your own medical bills or car damages.
Liability insurance may be a good fit if you drive an older car that’s paid off and can afford to pay for your own vehicle repairs out of pocket. Or, if you’re just looking to start with basic insurance coverage and lock in a low price, this option may be worth considering.
Salt Lake City residents pay an average monthly rate of $108 for liability-only car insurance. Here are some of the cheapest liability-only car insurance rates in Salt Lake City.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $64 |
| Auto-Owners | $78 |
| National General | $84 |
| State Farm | $86 |
| Root | $89 |
| GEICO | $91 |
| Sun Coast | $95 |
| American Family | $109 |
| The General | $114 |
| Allstate | $117 |
| Clearcover | $125 |
| Safeco | $128 |
| Nationwide | $128 |
| Dairyland | $131 |
| Direct Auto | $136 |
| Bristol West | $138 |
| GAINSCO | $142 |
| Farmers | $151 |
| State Auto | $199 |
| Liberty Mutual | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Salt Lake City: USAA
Full-coverage car insurance includes liability, collision, and comprehensive coverage. It pays for damages to your vehicle or your medical expenses after an accident. A full-coverage policy typically costs more but can also provide the coverage you need to repair your vehicle and get back on the road after an incident.
If you have a car loan or lease, your lender may require you to have full-coverage insurance. Even if you own your car outright, full-coverage may be a good option to save you from spending your money out of pocket.
On average, full coverage costs Salt Lake City drivers $152 per month. Below are some of the cheapest options for full-coverage auto insurance in Salt Lake City.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $89 |
| Auto-Owners | $109 |
| State Farm | $118 |
| GEICO | $127 |
| Root | $134 |
| Sun Coast | $134 |
| National General | $147 |
| American Family | $150 |
| Progressive | $156 |
| Clearcover | $161 |
| Safeco | $161 |
| Allstate | $162 |
| Nationwide | $177 |
| The General | $180 |
| Direct Auto | $201 |
| Farmers | $210 |
| Liberty Mutual | $217 |
| Bristol West | $242 |
| GAINSCO | $259 |
| State Auto | $275 |
| Dairyland | $284 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Salt Lake City, Utah
Drivers in and around Salt Lake City, Utah have found policies from Safeco, Liberty Mutual, GAINSCO, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Salt Lake City, Utah within the last 10 days. Last updated on October 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Salt Lake City, Utah within the last 10 days. Last updated on October 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Utah
Most states require drivers to have minimum or liability coverage. Still, these minimum amounts can vary by state. In Utah, drivers must carry proof of insurance and present it to any law enforcement officer upon request.
The specific coverage limits required in the state increase on Jan. 1, 2025, according to the Utah State Legislature.[1] The table below reflects the change in requirements:
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $25,000 per person / $65,000 per accident | $30,000 per person / $65,000 per accident |
| Property damage liability | $15,000 per accident | $25,000 per accident |
| Personal injury protection (PIP) | $3,000 | $3,000 |
Depending on your insurance needs and how often you drive, you may want to consider getting optional insurance coverage as well, including:
Collision coverage
Collision coverage pays to repair or replace your vehicle if you damage it in an accident or collision with an object, like a tree or telephone pole.
Comprehensive coverage
Comprehensive coverage pays for damages to your vehicle from non-collision events, like theft, vandalism, and weather.
Medical payments coverage
Medical payments insurance covers medical care and funeral expenses for you and your passengers after a car accident.
Roadside assistance coverage
Roadside assistance covers roadside services, such as towing, fuel delivery, and tire changes.
Gap coverage
Gap insurance covers the difference between your car’s value and the amount you owe on your loan or lease.
Utah insurance programs
The state of Utah works with automobile liability insurance verification company Insure-Rite to partner with the state’s DMV to help keep uninsured drivers off the road. Insure-Rite collects insurance policy information from Utah’s insurance companies and compares it to the database of vehicles registered in the state.
For example: Suppose a registered vehicle is found not to have insurance coverage, and the vehicle owner can’t present proof of insurance. In that case, Insure-Rite notifies the DMV, which revokes the registration for that car. It’s crucial to obtain car insurance for your vehicle and maintain coverage at all times.[2]
Cheapest car insurance for drivers with an incident
Incidents, like at-fault accidents, speeding tickets, and DUIs, can go on your driving record and affect your car insurance rates. Insurers consider drivers with these incidents on their driving record to be riskier than other drivers and charge higher rates to make up for the increased risk.
The average cost of car insurance for Salt Lake City drivers with a past incident on their record is $76 per month for liability coverage and $173 for full-coverage insurance.
Find Car Insurance in Salt Lake City
Liability rates for drivers with a past incident start at $76 per month
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Cheapest car insurance for drivers with a speeding ticket: USAA
If you receive a speeding ticket in Utah, it’ll likely add points to your driving record and raise your car insurance rates, depending on the severity of the ticket. But half the points on your driving record will be removed if you drive for one year without being convicted of any additional moving traffic violations.[3]
Salt Lake City drivers with a speeding ticket face an average monthly cost of $123 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $64 | $77 |
| Auto-Owners | $78 | $95 |
| National General | $84 | $100 |
| State Farm | $86 | $102 |
| Root | $89 | $112 |
| GEICO | $91 | $113 |
| Sun Coast | $95 | $108 |
| American Family | $109 | $133 |
| The General | $114 | $144 |
| Allstate | $117 | $142 |
| Clearcover | $125 | $157 |
| Safeco | $128 | $159 |
| Nationwide | $128 | $156 |
| Dairyland | $131 | $156 |
| Direct Auto | $136 | $163 |
| Bristol West | $138 | $165 |
| GAINSCO | $142 | $162 |
| Farmers | $151 | $182 |
| State Auto | $199 | $247 |
| Liberty Mutual | $203 | $243 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Having an accident on your record can increase your car insurance rates, as this increases the risk of the insurer having to pay out your claim. In Utah, you can remove 50 points from your driving record once every three years by attending a defensive driving course approved by the court jurisdiction.[3]
In Salt Lake City, drivers with at-fault accidents pay $135 per month for liability auto insurance. Here are some of the lowest monthly liability insurance rates for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $64 | $82 |
| Auto-Owners | $78 | $98 |
| National General | $84 | $107 |
| State Farm | $86 | $108 |
| Root | $89 | $112 |
| GEICO | $91 | $111 |
| Sun Coast | $95 | $119 |
| American Family | $109 | $139 |
| The General | $114 | $152 |
| Allstate | $117 | $149 |
| Clearcover | $125 | $178 |
| Safeco | $128 | $173 |
| Nationwide | $128 | $164 |
| Dairyland | $131 | $168 |
| Direct Auto | $136 | $179 |
| Bristol West | $138 | $175 |
| GAINSCO | $142 | $176 |
| Farmers | $151 | $192 |
| State Auto | $199 | $258 |
| Liberty Mutual | $203 | $260 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Utah defines driving under the influence as having a blood alcohol level of 0.05% — slightly lower than other states due to the state’s elevation, which can cause people to feel the effect of alcohol more strongly. Having a DUI can cause car insurance rates to increase significantly, and you may even lose your license.[4]
The average monthly cost of liability car insurance for Salt Lake City drivers with a past DUI is $174 per month. Below are some of the lowest liability car insurance rates for drivers with a DUI in the city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $64 | $98 |
| Auto-Owners | $78 | $119 |
| National General | $84 | $129 |
| State Farm | $86 | $132 |
| Root | $89 | $134 |
| GEICO | $91 | $135 |
| Sun Coast | $95 | $153 |
| American Family | $109 | $167 |
| The General | $114 | $175 |
| Allstate | $117 | $179 |
| Clearcover | $125 | $191 |
| Safeco | $128 | $210 |
| Nationwide | $128 | $196 |
| Dairyland | $131 | $201 |
| Direct Auto | $136 | $208 |
| Bristol West | $138 | $211 |
| GAINSCO | $142 | $217 |
| Farmers | $151 | $231 |
| State Auto | $199 | $305 |
| Liberty Mutual | $203 | $311 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Car insurance rates can sometimes be higher for seniors and young drivers since insurance companies consider these age groups riskier than others. But senior drivers can still get cheap car insurance rates by keeping a clean driving record and utilizing discounts.
Many insurance companies offer discounts for bundling coverage and driving safely. Some insurance companies also offer special discounts for seniors or usage-based coverage, which could be helpful for older drivers who don’t drive too often during the year.[5]
Salt Lake City seniors pay an average of $87 per month for liability coverage and $122 for full-coverage insurance. Senior drivers 70 and older may face slightly increased rates due to aging-related risk factors.
Here are the cheapest average monthly car insurance rates for seniors in the city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $50 | $70 |
| Auto-Owners | $60 | $84 |
| National General | $64 | $111 |
| State Farm | $66 | $90 |
| GEICO | $70 | $98 |
| Root | $72 | $109 |
| Sun Coast | $76 | $108 |
| American Family | $84 | $116 |
| The General | $91 | $144 |
| Allstate | $93 | $128 |
| Nationwide | $95 | $131 |
| Dairyland | $104 | $225 |
| Direct Auto | $106 | $156 |
| Clearcover | $106 | $137 |
| Safeco | $109 | $137 |
| Bristol West | $110 | $194 |
| GAINSCO | $116 | $212 |
| Farmers | $116 | $161 |
| State Auto | $148 | $204 |
| Liberty Mutual | $164 | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Young and teenage drivers also pay more for car insurance because insurers find that drivers younger than 25 tend to have more accidents. If you’re a young driver, you can still try to save on insurance by asking about discounts or completing a driver safety course.
Some insurance companies offer discounts to students who earn good grades or teens who complete a driver safety program. You may also be able to save more by remaining on your parents’ insurance. It’s important to shop around for quotes and inquire about discounts to ensure you’re getting the best price.
On average, teen drivers in Salt Lake City pay $210 per month for liability-only coverage and $296 for full-coverage insurance. Below are the average insurance rates for teens in the city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $122 | $169 |
| Auto-Owners | $155 | $217 |
| Root | $160 | $241 |
| State Farm | $170 | $234 |
| GEICO | $170 | $237 |
| National General | $176 | $308 |
| Sun Coast | $185 | $261 |
| The General | $205 | $323 |
| American Family | $211 | $291 |
| Clearcover | $220 | $283 |
| Dairyland | $225 | $489 |
| Allstate | $238 | $329 |
| Bristol West | $255 | $448 |
| Nationwide | $257 | $355 |
| Safeco | $263 | $330 |
| GAINSCO | $275 | $502 |
| Direct Auto | $275 | $407 |
| Farmers | $303 | $422 |
| Liberty Mutual | $371 | $397 |
| State Auto | $495 | $684 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Salt Lake City car insurance quotes by credit tier
In Utah, car insurance companies can use your credit-based insurance score as a factor when determining your car insurance rates. But after you’ve been insured with a company for at least 60 days, the insurer can’t use your credit information to cancel or refuse to renew your insurance policy.
Nevertheless, it can be helpful to maintain a good credit score to increase the chances of getting an affordable car insurance policy. Drivers with excellent credit typically pay less than drivers with bad credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Salt Lake City?
Car insurance costs in Salt Lake City are fairly average when compared to other Utah cities, but it’s a bit above the state average,
The average monthly cost of car insurance in Salt Lake City is $108 for liability and $152 for full coverage, compared to the state average of $98 and $143 for full coverage. Car insurance rates can vary across cities depending on a variety of factors, like population, traffic, and the rate of accidents or vandalism in the area.
Though Salt Lake City has the largest population in the state, the city has a relatively low population density. For example, Salt Lake City has a population density of about 1,800 people per mile, while Midvale’s population density is nearly 6,100 people per mile, according to data from the United States Census Bureau. Drivers in less densely populated areas experience less risk of property damage and auto accidents.
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More cities in Utah
Here’s how average monthly car insurance quotes differ in other Utah cities compared to Salt Lake City.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Salt Lake City car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about finding the best auto insurance in Salt Lake City.
How much is car insurance in Salt Lake City?
Salt Lake City drivers pay an average of $152 per month for full-coverage insurance and $108 for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What company has the cheapest car insurance rates in Salt Lake City?
USAA offers the cheapest car insurance rates in Salt Lake City, starting at $64 per month for liability-only coverage. Salt Lake City drivers can also find cheap rates with Auto-Owners and National General, which have monthly liability rates of $78 and $84, respectively.
What are the best car insurance companies in Salt Lake City?
American Family is the best car insurance company in Salt Lake City, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A (Excellent). Of the insurers Insurify has rate data for, other top Salt Lake City choices include State Farm and USAA.
How much is car insurance per month in Utah?
Car insurance in Utah costs $98 per month for liability-only coverage and $143 per month for full coverage, according to Insurify data.
What is the minimum car insurance in Utah?
All drivers in Utah must carry car insurance. You must have at least $30,000 per person and $65,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability insurance, and $3,000 per person in personal injury protection insurance.
Is Utah a no-fault state?
Yes. Utah is a no-fault state for car insurance, meaning your own insurance will cover your costs, no matter who was at fault in an accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Utah Division of Motor Vehicles. "Insurance Requirements FAQ."
- State of Utah Judiciary. "Traffic Offenses."
- Visit Salt Lake. "Quick Facts and Statistics About Salt Lake."
- Insurance Information Institute. "Senior driving safety and insurance tips."
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Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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