Who Has the Cheapest Car Insurance in Salt Lake City, UT?
Progressive has the cheapest car insurance in Salt Lake City, at an average of $151 per month for full coverage.
Compare Car Insurance Rates in Salt Lake City, UT
Best cheap car insurance in Salt Lake City, UT
How we chose the top companies
Best and cheapest car insurance in Salt Lake City, Utah
- Cheapest full coverage: Progressive, $151/mo
- Cheapest minimum liability: Auto-Owners, $77/mo
- Cheapest for young drivers: Farm Bureau, $232/mo
- Cheapest after a ticket: Auto-Owners, $155/mo
- Cheapest after an accident: Progressive, $232/mo
- Cheapest for teens after a ticket: Farm Bureau, $264/mo
- Cheapest after a DUI: Progressive, $181/mo
- Cheapest for poor credit: Progressive, $246/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Progressive has the most affordable auto insurance for most people in Salt Lake City, Utah. But, the company has a poor reputation for customer service.
USAA has the cheapest coverage and best customer service reputation among top car insurance companies in Salt Lake City. But, you can only get a USAA policy if you are a current or former military member or an eligible family member.
Cheapest car insurance in Salt Lake City: Progressive
Progressive sells the cheapest full coverage car insurance in Salt Lake City, UT.
The company charges $151 per month, on average. That's about three-quarters of the
Salt Lake City average.
Find Cheap Auto Insurance Quotes in Salt Lake City
Auto-Owners also has affordable rates, at $155 per month, on average. Plus, Auto-Owners has a good reputation for customer service.
USAA has the absolute cheapest full coverage car insurance in Salt Lake City, at an average of $114 per month. Also, USAA has a top reputation for customer service among top auto insurance companies in Salt Lake City. That means you could have an easier time filing a claim if you get in an accident.
But, you can only buy a USAA policy if you are a military member, veteran or eligible family member.
Cheapest full coverage car insurance in Salt Lake City
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $151 | |
| Auto-Owners | $155 | |
| American Family | $188 | |
| Farm Bureau | $188 | |
| Geico | $200 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Salt Lake City: Auto-Owners
Auto-Owners has the cheapest minimum liability coverage in Salt Lake City, at an average of $77 per month. That's about one-third less than the city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Auto-Owners | $77 |
| Farm Bureau | $82 |
| Progressive | $82 |
| American Family | $110 |
| Geico | $113 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Salt Lake City
Cheapest car insurance in Salt Lake City for teens: Farm Bureau
Farm Bureau has the cheapest auto insurance for teen drivers in Salt Lake City.
A minimum liability Farm Bureau policy costs an average of $232 per month for teen SLC drivers. That's roughly 43% cheaper than the city average for 18-year-olds.
Farm Bureau also has the cheapest full coverage auto policies for Salt Lake City teens. The company charges $519 per month, on average. That's about one-third less than the city average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $232 | $519 |
| Auto-Owners | $329 | $577 |
| Progressive | $334 | $778 |
| Geico | $353 | $560 |
| State Farm | $444 | $808 |
*USAA is only available to current and former military members and their families.
The best way for teen drivers to save on their car insurance is by being on their parents' policy.
Teen drivers can also get cheaper car insurance by taking advantage of common discounts. For example, many auto insurance companies offer discounts for students who leave their car at their parents' house during the school year and a discount for students with a good GPA.
Cheapest auto insurance in Salt Lake City after a speeding ticket: Auto-Owners
Auto-Owners has the most affordable coverage for Salt Lake City drivers who have a speeding ticket on their record. The company charges an average of $155 per month for full coverage, which is about 38% cheaper than the city average.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $155 |
| Progressive | $194 |
| Farm Bureau | $213 |
| American Family | $223 |
| Geico | $260 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Salt Lake City after an accident: Progressive
Progressive has the most affordable coverage for Salt Lake City drivers who've been in an accident, at an average of $232 per month for full coverage. That's about one-quarter less than the city average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Progressive | $232 |
| American Family | $275 |
| Auto-Owners | $275 |
| Farm Bureau | $290 |
| State Farm | $295 |
*USAA is only available to current and former military members and their families.
An at-fault accident will raise your monthly rate by an average of about 54% in Salt Lake City. You can lower what you pay for car insurance after a crash by shopping around and using common auto insurance discounts.
Cheapest car insurance for teens after a ticket or accident: Farm Bureau
Farm Bureau has the cheapest car insurance for Salt Lake City teen drivers with a speeding ticket on their record. The company charges $264 per month, on average, for minimum coverage. That's close to half the city average.
The company also has the most affordable coverage for teen drivers who've had an accident, at an average of $362 per month. That's about one-third cheaper than the city average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $264 | $362 |
| Auto-Owners | $329 | $532 |
| Progressive | $353 | $383 |
| Geico | $420 | $699 |
| State Farm | $478 | $526 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Salt Lake City for drivers with a DUI: Progressive
Progressive has the cheapest car insurance for Salt Lake City drivers with a DUI, at an average of $181 per month for full coverage. That's roughly half the city average for drivers with those violations.
Cheapest Salt Lake City car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $181 |
| Farm Bureau | $213 |
| Allstate | $362 |
| American Family | $363 |
| Geico | $377 |
*USAA is only available to current and former military members and their families.
A DUI raises the cost of auto insurance for Salt Lake City drivers by more than two-thirds, on average. It's important to remember that your monthly rate won't increase if you get a DUI until your policy renews. Compare quotes at that time to get the best rates on car insurance.
Cheapest rates for Salt Lake City drivers with bad credit: Progressive
Progressive has the most affordable auto insurance in Salt Lake City for drivers who have poor credit. The company charges an average of $246 per month for full coverage, which is about one-third less than the city average.
Cheap car insurance in Salt Lake City for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $246 |
| American Family | $290 |
| Farm Bureau | $356 |
| Geico | $368 |
| Auto-Owners | $418 |
*USAA is only available to current and former military members and their families.
A poor credit score roughly doubles the amount you pay for car insurance each month in Salt Lake City, on average.
Car insurance companies use credit scores to help set rates because they believe drivers who have a bad credit score file more claims than drivers with better credit scores.
Average cost of car insurance in Salt Lake City by neighborhood
Wright Circle and Glendale have the most expensive average rates in Salt Lake City. Residents of these neighborhoods pay an average of $240 per month. East Bench is the cheapest neighborhood for car insurance in Salt Lake City, with an average rate of $210 per month.How much you pay for car insurance depends, in part, on where you live because some neighborhoods have higher rates of theft, vandalism and traffic than others.
Full coverage quotes by Salt Lake City ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 84101 | $231 | 4% |
| 84102 | $216 | -2% |
| 84103 | $215 | -3% |
| 84104 | $240 | 8% |
| 84105 | $220 | -1% |
What's the best car insurance coverage in Salt Lake City, UT?
The best car insurance for most drivers in Salt Lake City is a full coverage policy.
Full coverage pays for repairs to your car after an accident regardless of who was at fault. A full coverage policy will also pay for damage caused by accidents like vandalism, fire and storms.
Lenders will usually ask that you have full coverage car insurance before you sign a lease or get a car loan.
A full coverage policy makes the most sense if your car is new or valuable. It's a good idea to buy full coverage auto insurance if your car is less than 8 years old or worth more than $5,000.
A minimum liability policy might not offer enough coverage to protect you if you get into a serious accident. That means you could be responsible for paying tens or even hundreds of thousands of dollars if you get into a wreck with an expensive car, a new pickup truck or multiple cars.
Frequently asked questions
Who has the cheapest car insurance in Salt Lake City, UT?
Progressive has the cheapest auto insurance in Salt Lake City, Utah. The company charges an average of $151 per month for a full coverage policy.
What are the best car insurance companies in Salt Lake City?
State Farm and Farm Bureau offer the best customer service for most people in Salt Lake City.
USAA has the best combination of good customer service and cheap rates among top car insurance companies in Salt Lake City. But, you can only buy a USAA policy if you are a current or former member of the military or an immediate family member.
How much is car insurance in Salt Lake City, Utah?
A full coverage car insurance policy in Salt Lake City costs $208 per month, on average. That's slightly more than the Utah state average of $193 per month.
Methodology
To find the best cheap car insurance in Salt Lake City, UT, ValuePenguin collected quotes from nine of the most popular insurance companies in Utah. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Utah.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.