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.
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 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 |
Find affordable Salt Lake City rates
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
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.
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, 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.
