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Cheap Auto Insurance Quotes in Salt Lake City, UT (July 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Salt Lake City, UT

The average cost of Utah car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Salt Lake City, UT to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Salt Lake City is $172 per month, or $2064 annually.
  • Car insurance in Salt Lake City is $1 less than the average cost of car insurance in Utah.
  • The cheapest car insurance provider in Salt Lake City on average is Sun Coast, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$48
Allstate
$107
State Farm
$147
The General
$175
Liberty Mutual
$182

Cheapest Car Insurance in Salt Lake City, UT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Salt Lake CityQuotes
Progressive$48 /mo
Allstate$107 /mo
State Farm$147 /mo
The General$175 /mo
Liberty Mutual$182 /mo

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Average Car Insurance Cost

Utah Cities
Provo$119/mo
West Jordan$125/mo
Orem$130/mo
Sandy$132/mo
Salt Lake City$132/mo
Utah$128/mo
Provo
$119
West Jordan
$125
Average for UT
$128
Orem
$130
Sandy
$132
Salt Lake City
$132
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Utah

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Utah[1] are:

  • $25,000 per person for bodily injury
  • $65,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Utah is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $3,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Salt Lake City agents

  • Trustco, Inc. 

    2735 East Parleys Way,
    Salt Lake City, UT 84109
  • Hidden Valley Insurance Inc. 

    2469 Fort Union Blvd,
    Salt Lake City, UT 84121
  • Thomas Insurance Agency 

    3165 Highland Dr,
    Salt Lake City, UT 84106
  • Utah Agency LLC 

    448 Soth 400 East,
    Salt Lake City, UT 84111-2461
  • SentryWest Insurance Services 

    3860 S 2300 E,
    Salt Lake City, UT 84109
  • Insurance Network LLC 

    5005 South 900 East Suite 200,
    Salt Lake City, UT 84117-0376
  • Dale Barton Agency 

    1100 E 6600 S #400,
    Salt Lake City, UT 84121-2400
  • Tebbs Brothers Insurance Agency 

    2014 East 6200 South,
    Salt Lake City, UT 84171-0490
  • Drivewise Inc. 

    1338 S. Foothill Blvd #303,
    Salt Lake City, UT 84108
  • Olympus Insurance Agency 

    220 E Morris Ave,
    Suite 340, Salt Lake City, UT 84165
View more

FAQs - Salt Lake City, UT Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Salt Lake City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Salt Lake City, Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Salt Lake City drivers measure up to their fellow motorists across Utah in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Salt Lake City

#13

City with the Most Speeding Tickets Rank in Utah

#26

City with the Most Moving Violations Rank in Utah

#6

City with the Most DUIs Rank in Utah

#9

City with the Most Suspended Licenses in Utah

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Salt Lake City drivers rank 18 in the number of car accidents per driver across all cities in Utah.

    • Rank within state: #18
    • Percent of drivers in Salt Lake City with an accident: 11.36%
    • Drivers in Salt Lake City, UT with an accident in their driving history pay on average 37.09% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Utah, Salt Lake City drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Salt Lake City with a speeding ticket: 12.5%
    • Drivers in Salt Lake City, UT with a speeding ticket in their driving history pay on average 34.44% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Salt Lake City drivers rank 6 in the number of DUI’s per driver across all cities in Utah.

    • Rank within state: #6
    • Percent of drivers in Salt Lake City with a DUI: 2.83%
    • Drivers in Salt Lake City, UT with a DUI in their driving history pay on average 15.23% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Salt Lake City is the Honda Civic.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Utah, Salt Lake City drivers rank 10 in rude driving infractions.

    • Rank within state: #10
    • Percent of drivers in Salt Lake City with a reckless driving violation: 2.08%
    • Drivers in Salt Lake City, UT with a reckless driving violation in their driving history pay on average 29.8% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Salt Lake City drivers rank 7 in clean driving records across all cities in Utah.

    • Rank within state: #7
    • Percent of drivers in Salt Lake City with clean record: 76.95%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Salt Lake City drivers rank 8 in failure to yield violations per driver across all cities in Utah.

    • Rank within state: #8
    • Percent of drivers in Salt Lake City with a failure to yield violation: 0.6%
    • Drivers in Salt Lake City, UT with a failure to yield violation in their driving history pay on average 2400% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Utah, Salt Lake City drivers rank 4 in the number of reckless driving offenses per driver.

    • Rank within state: #4
    • Percent of drivers in Salt Lake City with a reckless driving offense: 0.08%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Salt Lake City drivers rank 18 in hybrid and electric vehicle ownership across all cities in Utah.

    • Rank within state: #18
    • Percent of drivers in Salt Lake City with a hybrid/electric vehicle: 0.96%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Utah Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022