Table of contents
How much is car insurance in Salt Lake City?
|Area||Average Monthly Car Insurance Premium|
|Salt Lake City||$65|
Looking at the chart above, you can see that the average monthly price in Salt Lake City is in line with pricing for the rest of Utah.
That being said, car insurance rates in Salt Lake City are more affordable than the national average. The average monthly payment for the United States as a whole is about $15 more expensive than in Salt Lake City.
Keep in mind that these are the average auto insurance rates for Salt Lake City, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Salt Lake City so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Salt Lake City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Salt Lake City, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Salt Lake City with one accident will pay around $88 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $95.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$61|
In terms of affordable coverage, the cheapest vehicles to insure in Salt Lake City are by and large trucks and vans, at $61 per month.
Car owners will see a monthly bill of about $66, while SUV owners typically pay around $65 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. 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)||$67|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Salt Lake City.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Salt Lake City. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Salt Lake City, UT
Recent trends in car insurance for Salt Lake City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Salt Lake City went up from 2016-2018, when they hit a high of $73, but started to turn downward from 2019-2020. They finished up in 2021, at $70 a month.
How does Salt Lake City compare to neighboring areas?
Why are car insurance rates in Salt Lake City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Local regulations
- Frequency of car accidents
- Prevalence of crime
- Total drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Salt Lake City?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing plans in Salt Lake City.
Salt Lake City Insurance FAQs
What factors affect car insurance quotes in Salt Lake City?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Salt Lake City different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Salt Lake City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Salt Lake City or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.