Best Cheap Auto Insurance in Salt Lake City, Utah (2024)

Salt Lake City drivers pay an overall average of $153 per month for car insurance. Despite its population of more than 200,000 people, Salt Lake City is one of the cheapest cities for car insurance in Utah, perhaps due in part to its stricter DUI laws and accessible public transit options.

Drivers pay an average of $110 for liability coverage and $196 for full coverage. Your insurance rates will likely vary based on your driver profile, so it’s worth taking the time to compare car insurance quotes from multiple companies before buying a policy.

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Best 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 some of the best insurance options based on different situations like cheapest liability-only coverage, drivers with an accident on their record, and young drivers.

Best insurer for cheap rates: USAA

Best insurer for drivers with an accident: American Family

Best insurer for teen drivers: State Farm

Cheapest liability-only car insurance in Salt Lake City

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 $110 for liability-only car insurance. Here are some of the cheapest liability-only car insurance rates in Salt Lake City.

Cheapest full-coverage car insurance in Salt Lake City

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 $2,350 per year. Below are some of the cheapest options for full-coverage auto insurance in Salt Lake City.

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.

Below are the minimum limits you’ll need to carry to get on the road legally in Utah:^[1]

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.

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Cheapest car insurance for drivers with a speeding ticket

If you receive a speeding ticket in Utah, it will likely add points to your driving record and raise your car insurance rates, depending on the severity of the ticket. However, half of 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 $158 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

Cheapest car insurance for drivers with an at-fault accident

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 average $218 per month for auto insurance. Below are some of the lowest monthly rates for drivers with an at-fault accident in the city.

Cheapest car insurance for drivers with a DUI

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 overall average monthly cost of car insurance with a DUI on your license in Salt Lake City is $249. Here are some of the lowest car insurance rates for drivers with a DUI in the city.

Cheapest car insurance for seniors

Car insurance rates can sometimes be higher for seniors and young drivers since insurance companies consider these age groups riskier than others. However, 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 can find liability rates as low as $54 per month. Below are the average monthly car insurance rates for seniors in the city.

Cheapest car insurance for teens

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 $200 per month for liability-only coverage. Below are the average insurance rates for teens in the city.

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 may generally be 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.

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Salt Lake City car insurance quotes by credit tier

In Utah, car insurance companies can use your credit score as a factor when determining your car insurance rates. After you’ve been insured with a company for at least 60 days, however, the insurer can’t use your credit information to cancel or refuse to renew your insurance policy.^[6] 

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 scores typically pay less than drivers with bad credit scores.

Is car insurance more expensive in Salt Lake City?

Car insurance in Salt Lake City is cheaper than many other Utah cities, and it’s less expensive than the state average.

The average cost of car insurance in Salt Lake City is $153, compared to the state average of $184. 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.^[7]

More cities in Utah

Here’s how the average monthly car insurance quote differs in other Utah cities compared to Salt Lake City.

Salt Lake City car insurance FAQs