In Salt Lake City, Farmers Union Insurance, Nationwide and Auto-Owners offer the cheapest car insurance options. However, your rates can vary based on your driving history and the type of coverage you want. The table below shows which company is most affordable for different categories, helping you make a smart choice.
Cheapest Car Insurance in Salt Lake City, UT
Updated: December 11, 2024
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Key Takeaways
The five cheapest car insurance companies in Salt Lake City are Farmers Union Insurance, Progressive, Nationwide, GEICO and Auto-Owners.
The lowest car insurance rates in Salt Lake City are $36 per month for minimum coverage and $69 per month for full coverage.
The average cost of car insurance in Salt Lake City is $64 per month for minimum coverage and $117 per month for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Utah Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Salt Lake City
| Farmers Union Insurance | Minimum Coverage | $36 |
| Nationwide | Full Coverage | $69 |
| Nationwide | Teens | $135 |
| Progressive | Young Adults | $52 |
| Farmers Union Insurance | Senior Drivers | $35 |
| Progressive | Drivers With Bad Credit | $67 |
| Farmers Union Insurance | Drivers With a Speeding Ticket | $47 |
| Progressive | Drivers With a DUI | $50 |
| Farmers Union Insurance | Drivers With an Accident | $58 |
| Farmers Union Insurance | Military Affiliated Drivers | $36 |
Cheapest Car Insurance Coverage in Salt Lake City
Finding the cheapest car insurance in Salt Lake City starts with comparing rates from different providers. Costs vary based on age, driving history, vehicle type and coverage needs. Remember, the cheapest car insurance in Utah might not be the lowest in the city. Comparing car insurance quotes is key to affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Salt Lake City
Farmers Union Insurance offers the most affordable minimum coverage auto insurance in Salt Lake City at $36 per month, followed by Progressive at $45. Check the table below to explore various providers offering the best rates for minimum coverage in the area.
| Farmers Union Insurance | $36 | $27 |
| Progressive | $45 | $19 |
| Nationwide | $45 | $19 |
| GEICO | $46 | $17 |
| Auto-Owners Insurance Co | $52 | $12 |
| American Family | $59 | $5 |
Cheapest Full Coverage Car Insurance in Salt Lake City
Nationwide offers the most affordable full coverage car insurance in Salt Lake City at $825 per year. Check the table below to compare different providers offering the best rates for full car insurance coverage in the area.
| Nationwide | $69 | $49 |
| Farmers Union Insurance | $77 | $41 |
| GEICO | $86 | $32 |
| Auto-Owners Insurance Co | $89 | $28 |
| American Family | $91 | $27 |
| Progressive | $97 | $20 |
Cheapest Car Insurance in Salt Lake City by Age
In Salt Lake City, your age can change your car insurance costs. Young drivers often pay more because they're new on the road. As you get older, rates usually go down, but they might go up after 70. Below, see which companies offer the best deals for different ages.
Salt Lake City doesn't base car insurance rates on age. Instead, things like your driving history and car type matter. Want to know more about what affects your rate? Check out the list below.
Cheapest Car Insurance in Salt Lake City for Teens
For teens in Salt Lake City, the cheapest car insurance is offered by Allstate, Auto-Owners Insurance Co, and Nationwide. Check the table below to find the lowest rates for your age group in the city.
| Nationwide | $135 | $152 | $334 | $172 |
| Allstate | $196 | $91 | $414 | $92 |
| Auto-Owners Insurance Co | $210 | $77 | $294 | $212 |
| State Farm | $244 | $43 | $337 | $169 |
Cheapest Car Insurance in Salt Lake City for Young Adults
Progressive offers the cheapest car insurance for young adults in Salt Lake City at $620 annually, saving drivers 33% compared to the city average. Other affordable options include GEICO, Farmers Union Insurance, and Nationwide.
| Progressive | $52 | $25 |
| GEICO | $55 | $22 |
| Farmers Union Insurance | $57 | $20 |
| Nationwide | $57 | $20 |
| Auto-Owners Insurance Co | $72 | $5 |
| American Family | $73 | $4 |
| Iowa Farm Bureau | $74 | $3 |
Cheapest Car Insurance in Salt Lake City for Seniors
Farmers Union Insurance offers the cheapest car insurance for seniors in Salt Lake City at $416 annually. Learn more about car insurance for seniors. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Farmers Union Insurance | $35 | $31 |
| Nationwide | $43 | $23 |
| Progressive | $47 | $19 |
| GEICO | $54 | $12 |
| Auto-Owners Insurance Co | $55 | $11 |
| American Family | $60 | $6 |
Cheapest Car Insurance in Salt Lake City for Drivers With Bad Credit
A low credit-based insurance score may result in higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Progressive offers a yearly rate of $803, while Farmers Union Insurance is $805. Check the table below for more options from other providers.
| Progressive | $67 | $59 |
| Farmers Union Insurance | $67 | $58 |
| Nationwide | $70 | $56 |
| GEICO | $87 | $39 |
| American Family | $103 | $23 |
| Kemper | $107 | $19 |
| Farmers | $113 | $12 |
| Allstate | $125 | $0 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts, bundling different insurance policies, and comparing personalized quotes. Consider bundling different insurance policies for savings. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Salt Lake City After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, with your driving record playing a key role. Violations like speeding tickets, accidents, or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Salt Lake City After a DUI
Finding affordable car insurance with a DUI in your history is possible in Salt Lake City. Progressive offers the cheapest minimum coverage at $600 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| Progressive | $50 | $56 |
| American Family | $72 | $33 |
| Farmers Union Insurance | $74 | $32 |
| Kemper | $91 | $14 |
| Nationwide | $100 | $6 |
Cheapest Car Insurance in Salt Lake City After an Accident
Farmers Union Insurance offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record in Salt Lake City, at an annual rate of $697. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with an at-fault accident record.
| Farmers Union Insurance | $58 | $36 |
| American Family | $59 | $34 |
| Progressive | $69 | $24 |
| Nationwide | $80 | $14 |
| GEICO | $83 | $11 |
| Auto-Owners Insurance Co | $87 | $6 |
EXPERT TIP: ACCIDENT FORGIVENESS
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Cheapest Car Insurance in Salt Lake City After a Ticket
Farmers Union Insurance offers the most affordable car insurance for drivers with a speeding record, with an annual rate of $559. Nationwide follows closely with a rate of $645. Check the table below to explore options from other providers and find the best rates for your needs.
| Farmers Union Insurance | $47 | $31 |
| Nationwide | $54 | $24 |
| Progressive | $55 | $22 |
| GEICO | $60 | $18 |
| Auto-Owners Insurance Co | $71 | $7 |
| American Family | $72 | $5 |
Cheapest Car Insurance in Salt Lake City for Military Drivers
Military drivers in Salt Lake City, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. For the cheapest car insurance providers for military drivers, Farmers Union Insurance offers an annual rate of $436, while USAA provides a rate of $449 for minimum coverage.
| Farmers Union Insurance | $36 | $25 |
| USAA | $37 | $24 |
| Progressive | $45 | $17 |
| Nationwide | $45 | $17 |
| GEICO | $46 | $15 |
| Auto-Owners Insurance Co | $52 | $9 |
| American Family | $59 | $2 |
How Much Does Car Insurance Cost in Salt Lake City?
The average yearly cost for full coverage car insurance in Salt Lake City is $1407. State minimum coverage is less, averaging about $766 annually. These rates are for a 40-year-old with good credit and a clean driving record; your own rate may differ.
Salt Lake City Auto Insurance Cost by Driver Profile
See how your car insurance rates stack up. Our table below shows average costs for various driver profiles, helping you spot a fair deal on your coverage.
| Teen Drivers | No Data | $506 |
| Young Adults | $77 | $145 |
| Senior Drivers | $66 | $117 |
| Drivers With Bad Credit | $126 | $234 |
| Drivers With a Speeding Ticket | $78 | $145 |
| Drivers With a DUI | $106 | $191 |
| Drivers With an Accident | $94 | $174 |
| Military Affiliated Drivers | $62 | $113 |
How Expensive Is Car Insurance Salt Lake City?
In Salt Lake City, expect to pay about 8% more for state minimum coverage and 9% more for full coverage compared to Utah's averages. That's $64 monthly ($766 annually) for minimum and $117 monthly ($1,407 annually) for full coverage.
| City Avg Rate | $64 | $117 |
| State Avg Rate | $59 | $108 |
| vs State Avg Rate | $-5 | $-9 |
Car Insurance Requirements in Salt Lake City
Utah law mandates that all drivers carry auto insurance with at least the minimum coverage limits for bodily injury and property damage. This ensures that in the case of an accident, drivers have basic financial protection.
The minimum coverage amounts in Utah are:
- $25,000 for bodily injury liability per person.
- $65,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
- $3,000 for personal injury protection (PIP) per person.
An auto insurance policy covers expenses from accidents, with liability coverage paying for damages or injuries you cause to others.
For example, if you're at fault in an accident and the other driver has medical costs of $20,000, your minimum bodily injury liability coverage of $25,000 per person would cover this expense. However, if their costs exceed your coverage limit, you could be personally responsible for the difference.
Drivers who need SR-22 insurance in Salt Lake City must maintain at least the minimum liability insurance required by Utah to legally drive.
Cheapest Car Insurance in Salt Lake City: Bottom Line
Finding affordable car insurance in Salt Lake City varies with your age, driving history, car, and credit score. Farmers Union Insurance and Nationwide often have the cheapest plans. Always compare quotes from different companies to make sure you're getting the best price.
Cheap Salt Lake City Car Insurance: FAQ
MoneyGeek provides answers to common questions about affordable car insurance in Salt Lake City. We help you find the best coverage to meet your needs. Discover the options for the cheapest and most suitable policies available.
What is the cheapest car insurance company in Salt Lake City, Utah?
The cheapest car insurance company in Salt Lake City, Utah, is typically Farmers Union, with average rates of $36 per month for minimum coverage and Nationwide at $69 per year for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Salt Lake City, Utah?
The average cost of car insurance in Salt Lake City, Utah, is around $2,124 per year for full coverage, while minimum coverage averages approximately $1,032 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Salt Lake City, Utah, expensive?
Yes, car insurance in Salt Lake City, Utah, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Salt Lake City, UT
To help Salt Lake City drivers find the most affordable auto insurance companies, MoneyGeek analyzed Salt Lake City auto insurance rates based on data and information from the Utah Department of Insurance and Quadrant Information Services.
Salt Lake City Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Salt Lake City with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Salt Lake City
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Utah are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.