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How much is car insurance in Salt Lake City?
|Area||Average Monthly Car Insurance Premium|
|Salt Lake City||$66|
As you can see in the chart above, car insurance rates in Salt Lake City are slightly more expensive than the rest of Utah.
Drivers relocating from out of state may enjoy some cost savings in Salt Lake City. It's about $15 cheaper than the national average to insure your vehicle in Salt Lake City.
Although these are the average car insurance rates in Salt Lake City, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Salt Lake City residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in Salt Lake City.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price to insure your vehicle in Salt Lake City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Salt Lake City, a driving record with one accident will usually get you a rate around $85 a month. Similarly, drivers with one ticket will typically pay around $77 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$63|
The cheapest vehicles to insure in Salt Lake City are typically trucks and vans, with each type typically costing about $64 per month.
SUV drivers will see rates of about $65, while the rates for car owners average out to about $66 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Salt Lake City, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Salt Lake City are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Salt Lake City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Salt Lake City, UT
Recent trends in car insurance for Salt Lake City drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance coverage in Salt Lake City have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $72 in 2022.
How does Salt Lake City compare to neighboring areas?
Why are car insurance rates in Salt Lake City different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking availability
- Total amount of drivers in the area
- Crime rates
- Local regulations
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Salt Lake City?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Salt Lake City.
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Salt Lake City Insurance FAQs
What factors affect car insurance quotes in Salt Lake City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Salt Lake City different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Salt Lake City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Salt Lake City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Salt Lake City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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