+120 more*These quotes are from Compare.com users in and around Salt Lake City, Utah within the last 10 days. Updated on November 3, 2026
*These quotes are from Compare.com users in and around Salt Lake City, Utah within the last 10 days. Updated on November 3, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
){kind=small}
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
The average cost of car insurance in Salt Lake City is $134 per month. Salt Lake City’s rates are usually lower than the national average but slightly higher than the state average. Premiums are likely higher because Salt Lake City is Utah’s most populous city and has a higher-than-average vehicle theft rate.[1]
That said, plenty of companies offer cheap auto insurance for SLC drivers. Some of the cheapest insurers in Salt Lake City include USAA, Progressive, and Auto-Owners.
In this guide, we’ll break down SLC’s cheapest car insurance companies, insurance rates by coverage and driver type, and strategies to help you save.
USAA offers the cheapest car insurance in Salt Lake City, with liability coverage starting at $64 per month.
The average monthly cost of liability coverage in Salt Lake City is $103 per month, while full coverage costs an average of $165 per month.
Salt Lake City ranks 94th out of 200 of the nation’s most populated cities, and drivers there average 9.16 years between accidents, according to Allstate’s 2025 America’s Best Drivers Report.
Finding affordable car insurance in Salt Lake City is easy if you know where to look. Rates vary widely by insurer, but some companies consistently offer lower prices for SLC drivers.
The table below lists the cheapest car insurance companies in Salt Lake City, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $64 |
| Auto-Owners | $78 |
| Progressive | $78 |
| National General | $82 |
| State Farm | $85 |
| GEICO | $94 |
| The General | $96 |
| Sun Coast | $97 |
| Allstate | $103 |
| American Family | $108 |
| Direct Auto | $114 |
| Mile Auto | $114 |
| Clearcover | $118 |
| Freedom National | $120 |
| Root | $126 |
| Safeco | $133 |
| Bristol West | $141 |
| Dairyland | $142 |
| GAINSCO | $144 |
| Farmers | $150 |
| Liberty Mutual | $185 |
| State Auto | $198 |
Car insurance premiums in Salt Lake City can vary significantly based on factors like your age, driving record, credit history, and the coverage you choose. Understanding costs for drivers with a similar profile to yours can help you set realistic expectations and find the best deal.
The table below shows the cheapest car insurance companies and their average premiums in Salt Lake City by driver and coverage type, according to Compare.com data.
Driver or Policy Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | USAA | $64 |
| Full coverage | USAA | $97 |
| Teens | USAA | $120 |
| Seniors | USAA | $52 |
| Recent speeding ticket | USAA | $83 |
| Recent at-fault accident | USAA | $89 |
| DUI conviction | USAA | $88 |
| Excellent credit | USAA | $56 |
| Poor credit | USAA | $80 |
Comparing quotes can save you up to $867.*
State-minimum coverage is the most basic car insurance you can get to drive legally. It includes liability coverage for injuries and property damage you cause to others but doesn’t cover your own vehicle or injuries in an accident. Drivers with older cars or people who want the most affordable option should consider minimum coverage.
In Salt Lake City, the average rate for minimum-coverage auto insurance is $103 per month.
Check out the chart below for the cheapest companies for state-minimum coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $64 |
| Auto-Owners | $78 |
| Progressive | $78 |
| National General | $82 |
| State Farm | $85 |
| GEICO | $94 |
| The General | $96 |
| Sun Coast | $97 |
| Allstate | $103 |
| American Family | $108 |
| Direct Auto | $114 |
| Mile Auto | $114 |
| Clearcover | $118 |
| Freedom National | $120 |
| Root | $126 |
| Safeco | $133 |
| Bristol West | $141 |
| Dairyland | $142 |
| GAINSCO | $144 |
| Farmers | $150 |
| Liberty Mutual | $185 |
| State Auto | $198 |
Full-coverage car insurance offers protection not only for others but also for you. It includes liability, plus comprehensive and collision coverage to cover your damages in an accident.
Full coverage is ideal for drivers with newer or financed vehicles. Lenders and leasing companies typically require full coverage policies. Drivers who want more financial protection after an at-fault accident, theft, or natural disaster should also consider full coverage. The average monthly cost for full-coverage insurance in Salt Lake City is $165.
In the chart below, we highlight the companies offering the most affordable full-coverage car insurance in Salt Lake City, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| Auto-Owners | $118 |
| State Farm | $129 |
| Progressive | $132 |
| Sun Coast | $133 |
| GEICO | $143 |
| Allstate | $156 |
| American Family | $164 |
| Safeco | $166 |
| Clearcover | $172 |
| Direct Auto | $178 |
| Mile Auto | $179 |
| Root | $179 |
| National General | $183 |
| The General | $193 |
| Freedom National | $209 |
| Liberty Mutual | $210 |
| Farmers | $227 |
| Bristol West | $233 |
| GAINSCO | $243 |
| Dairyland | $257 |
| State Auto | $299 |
Teen drivers pay some of the most expensive auto insurance rates. Teens lack driving experience and are more likely to cause an accident, speed, and drive while distracted. Teens aged 16 to 19 are almost three times as likely to get into a fatal crash as older drivers.[2]
Salt Lake City teens pay an average of $259 per month for car insurance. But having a young driver on your policy doesn’t automatically mean you have to pay sky-high rates.
Check out the chart below for SLC’s cheapest car insurance options for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $120 |
| Progressive | $151 |
| Auto-Owners | $160 |
| National General | $165 |
| State Farm | $168 |
| GEICO | $175 |
| The General | $178 |
| Sun Coast | $187 |
| Root | $196 |
| Clearcover | $198 |
| Allstate | $199 |
| American Family | $208 |
| Direct Auto | $227 |
| Freedom National | $232 |
| Mile Auto | $238 |
| Dairyland | $251 |
| Bristol West | $256 |
| GAINSCO | $258 |
| Safeco | $278 |
| Farmers | $305 |
| Liberty Mutual | $332 |
| State Auto | $476 |
Seniors often enjoy some of the lowest car insurance premiums. Older drivers typically have more driving experience and a lower risk of accidents, so they pay less for coverage, on average.
In Salt Lake City, senior drivers pay an average of $115 per month for auto insurance. But with the right insurer, seniors can often find even lower rates.
The chart below shows the cheapest insurers for seniors in Salt Lake City, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $52 |
| Auto-Owners | $61 |
| National General | $64 |
| State Farm | $66 |
| Progressive | $67 |
| GEICO | $74 |
| The General | $81 |
| Sun Coast | $83 |
| American Family | $86 |
| Allstate | $88 |
| Mile Auto | $89 |
| Direct Auto | $93 |
| Freedom National | $103 |
| Clearcover | $104 |
| Safeco | $115 |
| Root | $115 |
| Bristol West | $117 |
| Farmers | $118 |
| Dairyland | $119 |
| GAINSCO | $123 |
| State Auto | $148 |
| Liberty Mutual | $152 |
Traffic violations like speeding tickets can increase your car insurance rates. Insurers view these violations as a sign of risky driving behavior, and even a single ticket can stick with you for a while.
That average car insurance cost for Salt Lake City drivers with a recent ticket is $171 per month. But you might be able to save money by switching to a more ticket-friendly company.
The chart below lists the cheapest insurers for SLC drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| Progressive | $100 |
| Auto-Owners | $102 |
| National General | $103 |
| State Farm | $108 |
| Sun Coast | $124 |
| GEICO | $124 |
| The General | $129 |
| Allstate | $131 |
| Mile Auto | $139 |
| American Family | $140 |
| Direct Auto | $145 |
| Clearcover | $151 |
| Root | $152 |
| Freedom National | $153 |
| GAINSCO | $174 |
| Safeco | $176 |
| Dairyland | $177 |
| Bristol West | $180 |
| Farmers | $193 |
| Liberty Mutual | $237 |
| State Auto | $263 |
Causing an accident can lead to a big jump in your auto insurance premiums. Insurers typically consider an at-fault accident to be a higher risk than a ticket, which means higher rates for the next three to five years.
In Salt Lake City, drivers with a recent accident pay an average of $89 per month for car insurance. But you might find cheaper coverage by switching to a company that offers better rates for drivers with a recent accident on their record.
Take a look at the chart below for SLC’s cheapest insurers for drivers with a recent accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| Auto-Owners | $108 |
| Progressive | $110 |
| National General | $113 |
| State Farm | $117 |
| GEICO | $129 |
| The General | $136 |
| Sun Coast | $137 |
| Allstate | $145 |
| American Family | $151 |
| Mile Auto | $159 |
| Direct Auto | $161 |
| Root | $164 |
| Freedom National | $169 |
| Clearcover | $173 |
| GAINSCO | $191 |
| Safeco | $191 |
| Dairyland | $193 |
| Bristol West | $194 |
| Farmers | $209 |
| Liberty Mutual | $255 |
| State Auto | $281 |
A driving under the influence (DUI) conviction is one of the most serious traffic violations. Insurers will almost always substantially increase your rates after a DUI.
The average monthly rate for drivers with a DUI conviction in Salt Lake City is $88. That said, some insurers specialize in covering high-risk drivers and may offer better rates.
We break down the most affordable insurance companies for drivers with a DUI in the chart below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| Progressive | $103 |
| Auto-Owners | $107 |
| National General | $113 |
| State Farm | $117 |
| Sun Coast | $128 |
| The General | $128 |
| GEICO | $130 |
| Allstate | $136 |
| American Family | $142 |
| Clearcover | $157 |
| Direct Auto | $157 |
| Mile Auto | $157 |
| Freedom National | $158 |
| Root | $173 |
| Bristol West | $194 |
| Dairyland | $196 |
| GAINSCO | $198 |
| Safeco | $203 |
| Farmers | $207 |
| Liberty Mutual | $255 |
| State Auto | $262 |
There’s no single best car insurance company that works for everyone. Your ideal insurer depends on your driving record, your ZIP code, the car you drive, and your coverage needs.
To help you find the right company for you, we picked some of Salt Lake City’s best auto insurers. We chose these companies based on a mix of average rates in Utah, available coverages and discounts, and customer ratings and reviews.
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 666 |
|---|
AAA has the highest rating for customer satisfaction in the Southwest region, according to J.D. Power’s 2025 U.S. Auto Insurance Study. If you’re a member of AAA, it may be worth getting a quote, as you’ll receive a 5% discount on car and home insurance policies through AAA insurance agencies.
AAA also offers a multi-policy discount for bundling your home and auto policies, plus teen driver and good student discounts. AAA also offers 24/7 roadside assistance and DMV services at AAA branches.
Membership perks for AAA members
24/7 roadside assistance available
Offers DMV services at AAA branches
Must purchase AAA membership
Below-average digital service rating, according to J.D. Power[3]
One local agent in Salt Lake City
| User Reviews | 3.2 |
|---|
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.2 | 2.9 |
Though Nationwide’s average rates are higher than some companies, it stands out for its safe driver discounts, optional coverages, and highly rated telematics program. Nationwide also offers pay-per-mile insurance through its SmartMiles program, ideal for low-mileage drivers.
Nationwide’s mobile app earned the top spot for customer satisfaction in the J.D. Power 2025 U.S. Insurance Digital Experience Study. That said, it ranked below average in the digital shopping category.
Average rates may be higher than some competitors
Poor Trustpilot rating[4]
Few discounts for high-risk drivers who don‘t qualify for a “safe driver“ discount
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $129/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you prefer a local agent who understands the needs of Salt Lake City drivers, consider getting a quote from State Farm. It has 10 insurance agencies available throughout SLC to help you customize your coverage to your unique needs.
State Farm offers rideshare coverage, making it a good choice if you drive full-time or on the side. It also offers the Drive Safe & Save telematics program, which can save you money for safe driving.
Lowest average rates in Salt Lake City
Local agents available for personalized service
Rideshare coverage available
Can‘t purchase policies online
Doesn‘t offer accident forgiveness coverage
Gap insurance only available to State Farm Bank customers with an auto loan
Local rates start as low as $64 per month.
)
Utah drivers must have car insurance to legally drive in the Beehive State. The minimum coverage requirements include:
$30,000 per person and $65,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
$3,000 per person of personal injury protection (PIP)[7]
Insurers must also offer uninsured/underinsured motorist coverage, but you can decline it in writing. Utah has one of the lowest rates of uninsured motorists in the country, at 6.2% of drivers.[8] But waiving coverage would mean paying out of pocket if someone hits your car and doesn’t have liability insurance or if you’re a victim of a hit-and-run accident.
Although state-minimum coverage limits can usually cover minor accidents, they may not be enough for serious injuries or property damage. That’s why most experts recommend buying higher liability limits to protect your finances, typically 100/300/100 levels for greater financial protection from at-fault accidents. If you hit your coverage limits, you’d have to pay any remaining amount out of pocket.
If you finance or lease your car, your lender typically requires you to have full coverage. You can also consider optional coverages, like gap insurance, roadside assistance, and rental reimbursement.
Below, we answered some common questions from drivers about car insurance in Salt Lake City, Utah.
Car insurance in Salt Lake City costs an average of $134 per month, according to Compare.com data. Rates average $103 per month for liability-only coverage, while full coverage averages $165.
The cheapest auto insurance company in Salt Lake City is USAA, according to Compare.com data. The company’s rates start at $64 per month.
It depends. Insurers use many factors to determine car insurance premiums, including your age, driving record, ZIP code, and vehicle type. Salt Lake City drivers pay an average of $134 per month for car insurance, according to Compare.com data. For context, the national average for auto coverage is $144 per month.
Utah car insurance is actually cheaper than the national average, according to Compare.com data. The average cost of auto insurance in Utah is $122 per month, while the national average rate is $144.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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