Cheapest Car Insurance In Salt Lake City, UT 2025

With an average monthly cost of $81, State Farm is the cheapest choice for minimum coverage car insurance in Salt Lake City.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 22 January 2025
Written by Bob Phillips
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Exploring the cheapest car insurance in Salt Lake City, UT, shows that rates vary quite a bit.

Drivers looking for budget-friendly liability-only coverage will find State Farm to be the best option. State Farm takes the lead in affordable full coverage rates, with Nationwide offering the lowest rates for younger drivers.

Cheapest Car Insurance Companies In Salt Lake City, UT 2025

Cheapest Car Insurance, Salt Lake City, 2025

Cheapest Auto Insurance For Young Adults in Salt Lake City: Nationwide

Nationwide offers the cheapest car insurance for young adults in Salt Lake City, with an average premium of $109 a month.

Below is a table comparing the cheapest auto insurance options for young adults in Salt Lake City.

Provider Average Monthly Cost Average Annual Cost
Nationwide $109 $1,308
State Farm $113 $1,356
GEICO $116 $1,392
Allstate $150 $1,800
Farm Bureau $180 $2,160

Cheapest Liability-only Car Insurance In Salt Lake City: State Farm

At $60 per month on average, State Farm is the least expensive car insurance provider for minimum coverage in Salt Lake City.

Below is a table that shows the rates from multiple car insurance providers for comparison.

Provider Average Monthly Cost Average Annual Cost
State Farm $60 $720
Farm Bureau $67 $804
Allstate $82 $984
Progressive $70 $840
GEICO $78 $936

Cheapest Full Coverage Insurance Rates In Salt Lake City: State Farm

With quotes averaging $135 a month, State Farm stands out as the best option for affordable full coverage in Salt Lake City.

This table showcases the average insurance rates offered by cost-effective providers in Salt Lake City.

Provider Average Monthly Cost Average Annual Cost
State Farm $135 $1,620
GEICO $144 $1,728
Progressive $145 $1,740
Allstate $183 $2,196
American Family $170 $2,040

Cheapest Rates In Salt Lake City For Teenagers: GEICO

The cheapest car insurance quotes for teens in Salt Lake City come from GEICO, with an average rate of $238 a month.

This table displays the insurance companies with the most affordable rates for teenage drivers.

Provider Average Monthly Cost Average Annual Cost
GEICO $238 $2,856
Progressive $254 $3,048
State Farm $240 $2,880
Allstate $332 $3,984
Nationwide $357 $4,284

Cheapest Car Insurance Rates For Seniors: State Farm

Seniors in Salt Lake City can find the most affordable car insurance with State Farm, which averages $106 a month.

This table highlights the average quotes from budget-friendly auto insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
State Farm $106 $1,272
Allstate $143 $1,716
GEICO $114 $1,368
American Family $132 $1,584
Nationwide $147 $1,764

Cheapest Car Insurance In Salt Lake City For Good Drivers: State Farm

At an average cost of $60 per month, State Farm provides the lowest car insurance quotes for good drivers in Salt Lake City.

For good drivers, the table below provides average quotes from the lowest-priced insurance providers.

Provider Average Monthly Cost AverageAnnual Cost
State Farm $60 $720
Farm Bureau $67 $804
Allstate $82 $984
Progressive $70 $840
GEICO $78 $936

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Cheapest Rates In Salt Lake City For Drivers After A DUI: State Farm

In Salt Lake City, State Farm delivers the cheapest rates for drivers following a DUI, with average premiums of $146 a month.

Drivers in Salt Lake City with a DUI can refer to the table below for the most affordable rates.

Provider Average Monthly Cost Average Annual Cost
State Farm $146 $1,752
American Family $182 $2,184
Auto-Owners $147 $1,764
Progressive $152 $1,824
GEICO $155 $1,860

Cheapest For Drivers With After At-Fault Accident: Auto-Owners

At $110 per month, Auto-Owners offers the most affordable car insurance for drivers with an at-fault incident.

Here is a list of car insurance providers with the most affordable rates for drivers who have an at-fault accident on their record.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $110 $1,320
GEICO $128 $1,536
State Farm $117 $1,404
American Family $152 $1,824
Allstate $161 $1,932

Cheapest Car Insurance In Salt Lake City After A Speeding Ticket: State Farm

In Salt Lake City, State Farm stands out for its low rates, offering average premiums of $116 a month for drivers with speeding tickets.

The following table provides average insurance rates for drivers who have a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
State Farm $116 $1,392
Progressive $120 $1,440
GEICO $123 $1,476
Auto-owners $126 $1,512
American Family $146 $1,752

Best Car Insurance Companies In Salt Lake City

State Farm provides the lowest rates for Salt Lake City drivers at $60 a month, with Farm Bureau and Allstate offering rates of $67 and $82 per month.

Here are the top 10 car insurance companies in Salt Lake City, UT, ranked by the average monthly premiums they offer.

Company Monthly Premium
State Farm $60
Farm Bureau $67
Allstate $82
Progressive $70
GEICO $78
Auto-Owners $80
American Family $112
Farmers $156
Nationwide $132
Bristol West $140

Average Auto Insurance Rates In Salt Lake City – By Age

One of the key factors in car insurance pricing is age. Younger drivers tend to have higher rates due to a higher risk of accidents and violations. Teenagers typically pay about $4,810 per year for coverage.

At age 25, drivers often see a reduction in their insurance rates, assuming they keep a clean driving record.

The most affordable insurance rates are frequently offered to drivers in their 50s and early 60s, with their driving experience and lower risk helping to keep premiums low.

Age Average Yearly Rate
Teenagers $4,810
20s $2,130
30s $1,510
40s $1,565
50s $1,389
60s $1,321
70s $1,508

Average Rates In Salt Lake City – By Vehicle

Car insurance rates are largely influenced by your vehicle’s make, model, year, and body style. Newer cars, particularly luxury models with advanced technology, tend to have higher premiums because of their higher replacement costs.

Below is a table showing average rates in Salt Lake City for different car types.

Vehicle Average Monthly Rate
Toyota Camry $130
Chevrolet Equinox $182
Nissan Rogue $190
Honda Civic $140
Ford F-150 $171

Average Cost Of Auto Insurance In Salt Lake City – By Zip Code

Car insurance rates vary by zip code because insurers use them to determine local crime rates.

Below is a table showing the average insurance rates for various zip codes in Salt Lake City.

City Average Monthly Rate
84104 $146
84102 $141
84105 $124
84107 $122
84101 $159

How Much Is Car Insurance In Other Cities in Utah?

The city where you reside significantly affects your car insurance costs. Higher rates of accidents, theft, and vandalism in urban areas often result in increased premiums.

In Orem, the average car insurance rate is $218 per month, compared to Cedar City, where drivers pay an average of $180 a month.

City Average Monthly Rate
Bountiful $199
Hildale $186
Cedar City $180
Logan $183
Clearfield $205
Ogden $207
Layton $197
Park City $196
Sandy $215
Orem $218

Find affordable Salt Lake City rates

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Our Methodology

I’ve compiled an in-depth assessment of car insurance providers in Salt Lake City, UT, by analyzing customer service, product variety, pricing, and insights from various online reviews and user experiences.

107

Quotes Analyzed

31

Brands Reviewed

15+

Years Of Experience

30+

Research Hours

FAQs

Who has the lowest car insurance rates in Salt Lake City?

In Salt Lake City, State Farm offers the cheapest rates for the state’s minimum coverage, and State Farm also leads the way for full coverage, which includes both comprehensive and collision protection.

What is the average cost of car insurance in Salt Lake City?

Car insurance in Salt Lake City averages $120 per month, but the rates can fluctuate depending on factors such as your zip code, vehicle type, and driving history.

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