120+ more*Quotes generated for Insurify users in and around Salt Lake City, Utah within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
USAA offers the lowest rates in Salt Lake City, with minimum liability policies averaging $52 per month.
Auto insurance rates are higher in Salt Lake City compared to the Utah state average of $93 for minimum coverage.
Around 37% of accidents in Salt Lake City involve injuries, compared to 32% statewide.
The average cost of car insurance in Salt Lake City is $98 per month for minimum coverage and $157 per month for full coverage.
That’s higher than Utah’s statewide averages of $93 and $147 per month, respectively, but not as high as rates in its neighboring suburb, West Valley. There, residents pay an average of $118 per month for liability coverage and $180 for full-coverage car insurance.
Salt Lake City has a higher auto theft rate than Utah as a whole, and when residents do get into accidents, they’re slightly more likely to result in injuries.[1] Plus, 5.1% of Salt Lake drivers have an accident on their record, according to Insurify data.
Car Insurance Costs in Salt Lake City vs. Utah  | Average Monthly Quote |
|---|---|
| Salt Lake City average | $128 |
| Utah average | $120 |
USAA charges the lowest cost for liability-only auto insurance in Salt Lake City, with rates averaging $52 per month. USAA typically offers the cheapest full-coverage rate, at $81 per month.
Liability rates start as low as $52 per month
The Wasatch Range, just to the east of Salt Lake City, acts as a natural funnel into the city for all kinds of driving hazards, like people, cars, motorcycles, and water. One-third of Salt Lake City is at risk of flooding, typically during peak spring-storm and mountain-runoff periods.[2]
Navigating downtown Salt Lake City can also be tricky, since only 29% of parking is available as off-street options, such as parking garages, which are safer from hit-and-run accidents and car thieves. Also, due to the surrounding mountains and nature, Salt Lake City has very healthy tourism year-round, which adds to the general congestion.
During the winter, snow removal is a big process in Salt Lake. It’s illegal to park your car on the street overnight from November through March, to keep the roads clear for plows. Additionally, the city operates on a 36-hour priority system for plowing, clearing the most important roads first, down to residential areas, with the goal of having roads cleared within 36 hours of a storm.[3]
Cars in Salt Lake City face a risk of auto theft that’s three times higher than the rest of Utah, according to FBI data from January 2026. Fortunately, auto theft rates have decreased steadily since 2023. Two of the three most popular vehicle models in Salt Lake City, Toyota Camrys and Honda Civics, were among the top-10 most stolen vehicles nationwide in 2025.
Buying a more expensive full-coverage insurance policy, if not already required by your lender, can offer peace of mind against Salt Lake City’s higher vehicle theft risk.
Minimum-coverage policies don’t cover auto theft, but comprehensive insurance under a full-coverage policy does.
Insurance companies charge higher rates for coverage in some Utah cities, especially in Salt Lake’s neighbor, West Valley City. This may be because it’s in the same county as Salt Lake City and insurers consider the proximity when setting rates. The cheapest cities include Cedar City and Tooele.
In general, Salt Lake’s large tourism industry, high vehicle theft rates, and weather risks raise rates for its drivers.
The following table shows the average insurance quote for different Utah cities:
Living in Salt Lake City, drivers deal with traffic congestion daily. Three major interstate highways — I-80, I-15, and I-215 — pass through Salt Lake City. In 2024, the average Salt Lake City resident spent 58 hours in traffic, wasting 22 gallons of gas, according to a Texas A&M study.
Salt Lake City is also home to a high number of colleges and universities, so perhaps it’s no surprise that drivers between the ages of 21 and 34 are more likely to be in accidents than any other age group — even more so than teenagers.
Speed and alcohol were also 5% and 0.6%, respectively, more likely to contribute to Salt Lake City car crashes compared to the rest of the state. Those deadly factors likely caused a 5% increase in the rate of injuries in car crashes, too, compared to the rest of the state, which can lead to higher insurance rates.
Utah law requires drivers to carry at least $25,000 per person in bodily injury liability coverage ($65,000 max in a multi-injury accident), $15,000 in property damage liability coverage, and $3,000 in personal injury protection (PIP).[4]
USAA typically offers the cheapest state-minimum coverage for most drivers, and Auto-Owners is the next-cheapest insurer.
This table shows the cheapest rates for liability-only car insurance in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| Auto-Owners | $65 |
| National General | $69 |
| State Farm | $70 |
| GEICO | $76 |
| Progressive | $76 |
| The General | $82 |
| Sun Coast | $83 |
| American Family | $90 |
| Allstate | $97 |
| Root | $98 |
| Clearcover | $101 |
| Freedom National | $102 |
| Direct Auto | $105 |
| Nationwide | $106 |
| Safeco | $111 |
| Bristol West | $114 |
| Dairyland | $114 |
| GAINSCO | $121 |
| Farmers | $125 |
| Liberty Mutual | $160 |
| State Auto | $164 |
Full coverage adds collision and comprehensive coverage to your policy to protect your car, which can be important given Salt Lake City’s higher risk for floods, auto theft, and snowplows hitting your car.
USAA offers the best price on full-coverage insurance for Salt Lake City drivers, with Auto-Owners coming in second.
Here are the cheapest full-coverage car insurance rates in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $81 |
| Auto-Owners | $99 |
| State Farm | $109 |
| GEICO | $115 |
| Sun Coast | $115 |
| Safeco | $137 |
| American Family | $138 |
| Root | $139 |
| Allstate | $148 |
| Clearcover | $150 |
| Progressive | $150 |
| National General | $151 |
| Direct Auto | $161 |
| Nationwide | $162 |
| The General | $165 |
| Liberty Mutual | $176 |
| Freedom National | $181 |
| Bristol West | $192 |
| Farmers | $192 |
| GAINSCO | $208 |
| Dairyland | $213 |
| State Auto | $252 |
*Quotes generated for Insurify users in and around Salt Lake City, Utah within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Speeding was the leading contributor to car accidents in Salt Lake City in 2024, accounting for nearly 20% of all collisions, according to data from the Utah Department of Public Safety (UDPS). That’s why insurance agents typically increase your auto insurance premiums if police catch you speeding. Nearly 5% of Salt Lake City drivers have a ticket on their driving record, according to Insurify data. USAA offers the cheapest rates to Salt Lake City drivers with a ticket.
The following table shows the cheapest insurers for drivers with a speeding ticket in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Auto-Owners | $83 |
| National General | $85 |
| State Farm | $87 |
| Progressive | $92 |
| GEICO | $98 |
| Sun Coast | $100 |
| The General | $108 |
| American Family | $115 |
| Freedom National | $123 |
| Allstate | $124 |
| Clearcover | $127 |
| Root | $129 |
| Direct Auto | $130 |
| Nationwide | $135 |
| Dairyland | $140 |
| Bristol West | $141 |
| GAINSCO | $142 |
| Safeco | $143 |
| Farmers | $158 |
| Liberty Mutual | $200 |
| State Auto | $214 |
Although Utah is a no-fault state, your insurance agency may still have to pay for partial damage that you cause, in some cases.[5] A little more than 5% of Salt Lake City drivers have an at-fault accident in their driving history, Insurify data shows. This can cause a significant boost in auto insurance costs.
Salt Lake City drivers with an accident pay an average of $134 per month for liability insurance.
Here are the cheapest rates for drivers with an at-fault accident in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| Auto-Owners | $88 |
| National General | $94 |
| State Farm | $95 |
| GEICO | $102 |
| Progressive | $104 |
| Sun Coast | $114 |
| The General | $115 |
| American Family | $123 |
| Allstate | $133 |
| Root | $134 |
| Freedom National | $140 |
| Nationwide | $146 |
| Direct Auto | $146 |
| Clearcover | $147 |
| Bristol West | $153 |
| Dairyland | $154 |
| Safeco | $157 |
| GAINSCO | $158 |
| Farmers | $170 |
| Liberty Mutual | $217 |
| State Auto | $228 |
In 2024, drunk drivers caused 2% of car accidents in Salt Lake City, while 0.8% of all drivers citywide had a DUI on their record. Getting a driving under the influence (DUI) conviction can limit your insurance options. Insurance companies may deny you coverage since it’s the riskiest type of driving behavior.
Although a DUI can really raise your rates, USAA offers some of the cheapest quotes in Salt Lake for drivers with one on record.
Here are the cheapest rates for drivers with a DUI in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $69 |
| Auto-Owners | $86 |
| National General | $91 |
| Progressive | $92 |
| State Farm | $93 |
| GEICO | $100 |
| Sun Coast | $100 |
| The General | $105 |
| American Family | $113 |
| Freedom National | $123 |
| Allstate | $128 |
| Root | $131 |
| Clearcover | $134 |
| Direct Auto | $139 |
| Nationwide | $140 |
| Bristol West | $151 |
| Dairyland | $151 |
| Safeco | $156 |
| GAINSCO | $160 |
| Farmers | $165 |
| State Auto | $207 |
| Liberty Mutual | $212 |
Statewide, teen drivers cause more accidents than any other age group. But this isn’t the case in Salt Lake City, where college-age drivers are more likely to get into accidents, UDPS data shows. Nevertheless, insurance coverage can be expensive for your Salt Lake City teen, costing an average of $186 for liability coverage and $298 for full coverage.
These companies offer the cheapest rates for teenage drivers in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $98 |
| Auto-Owners | $135 |
| State Farm | $139 |
| GEICO | $141 |
| National General | $141 |
| Progressive | $144 |
| The General | $151 |
| Sun Coast | $158 |
| Clearcover | $170 |
| American Family | $174 |
| Root | $174 |
| Freedom National | $194 |
| Allstate | $196 |
| Dairyland | $203 |
| Bristol West | $207 |
| Direct Auto | $208 |
| Nationwide | $211 |
| GAINSCO | $221 |
| Safeco | $230 |
| Farmers | $256 |
| Liberty Mutual | $287 |
| State Auto | $406 |
See quotes from top insurers in Salt Lake City
Similar to teenagers, Salt Lake City retirees account for a smaller share of drivers in car accidents compared to the rest of the state, since car accidents there are largely driven by college-age drivers. USAA and Auto-Owners typically offer the cheapest liability insurance for Salt Lake City seniors.
The following table shows the cheapest rates for senior drivers in Salt Lake City:
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $42 |
| Auto-Owners | $51 |
| National General | $54 |
| State Farm | $55 |
| GEICO | $60 |
| Progressive | $65 |
| The General | $70 |
| Sun Coast | $71 |
| American Family | $72 |
| Allstate | $78 |
| Nationwide | $81 |
| Root | $82 |
| Direct Auto | $86 |
| Freedom National | $87 |
| Clearcover | $89 |
| Bristol West | $95 |
| Dairyland | $97 |
| Safeco | $97 |
| Farmers | $99 |
| GAINSCO | $103 |
| State Auto | $123 |
| Liberty Mutual | $133 |
Here are some important details to keep in mind while you shop around for the right coverage in Salt Lake City.
Salt Lake City drivers pay a monthly average of $98 for minimum liability coverage and $157 for full coverage.
USAA, Auto-Owners, and National General are the three cheapest car insurance companies in Salt Lake City. Their monthly liability rates average $52, $65, and $69, respectively.
GEICO usually offers cheaper insurance quotes for most drivers in Salt Lake City than State Farm.
State law requires Utah drivers to carry a minimum 25/65/15 liability policy, plus PIP coverage.
The best car insurance companies in Salt Lake City include Auto-Owners, USAA, American Family, and Root.
Insurify data scientists analyzed more than 190 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:
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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)
)
)
)
)
)
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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