Cheapest Car Insurance In Salt Lake City, UT 2024
Farmers Union Insurance is the most affordable choice in Salt Lake City, offering an average rate of $40 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the least expensive car insurance in Salt Lake City, UT, the choices can vary significantly.
For those interested in the cheapest liability-only coverage, Farmers Union Insurance is the standout option. Meanwhile, drivers seeking more comprehensive protection will find that Auto-Owners Insurance Co provides the best rates for full coverage policies. For young drivers, Clearcover offers the most economical rates.
Cheapest Car Insurance Companies In Salt Lake City, UT 2024
Cheapest Minimum Coverage Car Insurance In Salt Lake City: Farmers Union Insurance
Farmers Union Insurance offers the most affordable car insurance for minimum coverage in Salt Lake City, with an average monthly cost of $40.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $45 | $540 |
| Progressive | $52 | $624 |
| Nationwide | $48 | $576 |
| Farmers Union Insurance | $40 | $480 |
| GEICO | $50 | $600 |
Having minimum car insurance offers basic protection while driving, but it does not include collision or comprehensive coverage. This means your own vehicle won’t be covered for damages in accidents, theft, or natural disasters.
Cheapest Car Insurance In Salt Lake City For Seniors: Clearcover
Clearcover offers the lowest car insurance rates for seniors in Salt Lake City, with quotes averaging $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $80 | $960 |
| Clearcover | $65 | $780 |
| Nationwide | $110 | $1,320 |
| Safeco | $130 | $1,560 |
| ACCC Insurance Company | $120 | $1,440 |
In Utah, many seniors can access favorable car insurance rates due to several beneficial factors. While age is usually a consideration in determining insurance rates, not all older individuals experience decreased driving ability as a stereotype might suggest.
Cheapest Full Coverage Car Insurance In Salt Lake City: Auto-Owners Insurance Co
Auto-Owners Insurance Co offers the lowest car insurance rates for full coverage in Salt Lake City, with quotes averaging $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $70 | $840 |
| State Farm | $95 | $1,140 |
| GEICO | $75 | $900 |
| American Family | $90 | $1,080 |
| Auto-Owners Insurance Co | $65 | $780 |
Full coverage car insurance extends beyond basic legal requirements by combining comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage covers vehicle damage from accidents, regardless of fault.
Cheapest Car Insurance In Salt Lake City For Young Adults: Clearcover
Clearcover provides the most affordable quotes for young adults in Salt Lake City, with rates averaging around $80 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Bear River | $115 | $1,380 |
| Safeco | $130 | $1,560 |
| USAA | $125 | $1,500 |
| Esurance | $150 | $1,800 |
| Clearcover | $80 | $960 |
In Utah, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of more mature driving habits and a reduction in risk-taking behaviors as drivers mature. Statistically, young adults are less likely to file insurance claims, reflecting their improved safety records and reduced involvement in accidents. As a result, insurers adjust premiums downward for these more experienced drivers, acknowledging their lower likelihood of filing claims.
Cheapest Auto Insurance Rates In Salt Lake City For Teenagers: Clearcover
Teenage drivers in Salt Lake City can get the most affordable quotes from Clearcover, with average monthly premiums of $75.
| Provider | Average Monthly Cost | Average Annual Cost |
| ACCC Insurance Company | $195 | $2,340 |
| Esurance | $240 | $2,880 |
| Clearcover | $75 | $900 |
| USAA | $210 | $2,520 |
| Unigard | $260 | $3,120 |
Teenage drivers typically encounter the highest car insurance premiums because of their lack of experience on the road. Insurance providers classify these young drivers as high-risk due to their higher likelihood of accidents and traffic violations statistically.
Cheapest Car Insurance Companies In Salt Lake City For Drivers With Prior Incidents
In Salt Lake City, drivers with records of traffic violations such as accidents, speeding tickets, or DUIs often encounter challenges in securing affordable car insurance. These infractions classify them as high-risk drivers, indicating a higher likelihood of making future insurance claims. As a result, insurance providers increase their rates for these individuals to offset the potential risk of higher claim payouts.
Cheapest Car Insurance In Salt Lake City After A Speeding Ticket: Nationwide
Nationwide stands out for its affordability compared to other insurance companies, offering average rates of $90 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $95 | $1,140 |
| State Farm | $105 | $1,260 |
| American Family | $110 | $1,320 |
| Nationwide | $90 | $1,080 |
| Auto-Owners Insurance Co | $100 | $1,200 |
Cheapest Car Insurance In Salt Lake City After At-Fault Accident: American Family
American Family provides the most affordable car insurance quotes for drivers who have had an at-fault incident, with an average rate of $85 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $100 | $1,200 |
| GEICO | $135 | $1,620 |
| Allstate | $140 | $1,680 |
| American Family | $85 | $1,020 |
| Nationwide | $130 | $1,560 |
Cheapest Car Insurance In Salt Lake City For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI in Salt Lake City, with average monthly premiums of $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $105 | $1,260 |
| Farmers | $140 | $1,680 |
| American Family | $110 | $1,320 |
| Allstate | $135 | $1,620 |
| State Farm | $100 | $1,200 |
Average Cost Of Car Insurance In Salt Lake City – By Vehicle
| Vehicle | Average Monthly Rate |
| 2013 Audi A5 | $230 |
| 2008 Ford Escape | $95 |
| 2009 Mitsubishi Outlander | $85 |
| 2003 Dodge Durango | $130 |
| 2007 Ford F150 | $200 |
The type of vehicle you own has a significant impact on your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates. Conversely, older cars or those that are less expensive to repair or replace often attract lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for their safety features may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
Best Car Insurance Companies In Salt Lake City
For drivers in Salt Lake City, selecting the right car insurance company involves balancing affordable rates with dependable road protection. Here are the top 10 car insurance companies in Salt Lake City, UT, ranked by their average monthly rates:
| Company | Monthly Premium |
| Dairyland | $75 |
| Esurance | $135 |
| Kemper Auto Premium | $90 |
| Farm Bureau Mutual (IA Group) | $155 |
| Clearcover | $70 |
| Nationwide | $140 |
| Bear River | $105 |
| Safeco | $130 |
| USAA | $90 |
| ACCC Insurance Company | $130 |
Average Cost Of Car Insurance In Salt Lake City – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,660 |
| 20s | $2,100 |
| 30s | $1,500 |
| 40s | $1,560 |
| 50s | $1,380 |
| 60s | $1,320 |
| 70s | $1,500 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their lack of experience and higher likelihood of accidents and traffic violations statistically. As drivers approach the age of 25, their insurance rates generally begin to decrease, assuming they maintain a clean driving record. The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a metric to assess driving experience and risk potential, which directly impacts the cost of premiums.
Average Cost Of Auto Insurance In Salt Lake City – By Zip Code
| City | Average Monthly Rate |
| 84104 | $145 |
| 84102 | $140 |
| 84105 | $125 |
| 84107 | $120 |
| 84101 | $158 |
How Much Is Car Insurance In Other Cities in Utah?
| City | Average Monthly Rate |
| Bountiful | $120 |
| Hildale | $131 |
| Cedar City | $105 |
| Logan | $115 |
| Clearfield | $130 |
| Ogden | $130 |
| Layton | $125 |
| Park City | $140 |
| Sandy | $120 |
| Orem | $125 |
The city where you live has a notable influence on your car insurance rates. Insurance companies evaluate several factors related to your location, including the likelihood of accidents, vehicle theft rates, and incidents of vandalism. These risks are generally higher in urban areas, which often results in higher insurance premiums.
Our Methodology
Based on a thorough analysis that includes customer service ratings, product options, pricing, and evaluations from various online review sites and user experiences, I've developed a comprehensive view of the car insurance providers in Salt Lake City, UT.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Salt Lake City?
In Salt Lake City, Farmers Union Insurance offers the lowest car insurance rates for the minimum coverage required by the State of Utah. For full coverage, which includes comprehensive and collision coverage, Auto-Owners Insurance Co provides the most competitive rates.
What is the average cost of car insurance in Salt Lake City?
The average cost of car insurance in Salt Lake City is approximately $40 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant factors.
