The Cheapest Auto Insurance Companies in Salt Lake City, Utah, in 2026
The cheapest car insurance company in Salt Lake City is USAA, with rates starting at $65 per month.
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Written byMandy Sleight
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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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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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In This Article
The average cost of car insurance in Salt Lake City is $129 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, Auto-Owners, and National General.
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.
Key Takeaways
USAA offers the cheapest car insurance in Salt Lake City, with liability coverage starting at $65 per month.
The average monthly cost of liability coverage in Salt Lake City is $105 per month, while full coverage costs an average of $153 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.
The Cheapest Car Insurance Companies in Salt Lake City, Utah
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.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| USAA | $65 |
| Auto-Owners | $79 |
| National General | $85 |
| State Farm | $87 |
| GEICO | $93 |
| Sun Coast | $96 |
| Root | $100 |
| The General | $109 |
| American Family | $111 |
| Allstate | $119 |
| Clearcover | $127 |
| Nationwide | $130 |
| Direct Auto | $132 |
| Dairyland | $134 |
| Bristol West | $136 |
| Safeco | $137 |
| GAINSCO | $144 |
| Farmers | $154 |
| State Auto | $202 |
| Liberty Mutual | $206 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on {{lastUpdated}}.
Cheapest Car Insurance in Salt Lake City by Driver and Coverage Type
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 | $65 |
| Full coverage | USAA | $98 |
| Teens | USAA | $125 |
| Seniors | USAA | $51 |
| Recent speeding ticket | USAA | $81 |
| Recent at-fault accident | USAA | $87 |
| DUI conviction | USAA | $87 |
| Excellent credit | USAA | $58 |
| Poor credit | USAA | $79 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on {{lastUpdated}}.
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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 $105 per month.
Check out the chart below for the cheapest companies for state-minimum coverage, according to Compare.com data.
Cheapest Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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. Drivers who want more financial protection after an accident, theft, or natural disaster should also consider full coverage. The average monthly cost for full-coverage insurance in Salt Lake City is $153.
In the chart below, we highlight the companies offering the most affordable full-coverage car insurance in Salt Lake City, according to our data.
Cheapest Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $252 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.
Cheapest Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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.
In Salt Lake City, senior drivers pay an average of $105 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.
Cheapest Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $150 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.
Cheapest Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $87 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.
Cheapest Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $87. 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.
Cheapest Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our Picks for the Best Auto Insurance in Salt Lake City
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.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| 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. | NR |
How drivers feel about AAA Insurance
Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about AAA Insurance
Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.
AI-generated from the text of verified reviews collected by Compare.com
Best For
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
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.
Pros
Membership perks for AAA members
24/7 roadside assistance available
Offers DMV services at AAA branches
Cons
Few discounts available
Below-average digital service rating[3]
One local agent in Salt Lake City
| User Reviews | 3.1 |
|---|---|
| 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. | 4.5 /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. | $122/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. | $179/mo |
3.1
A solid optionBased on 20 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (7)
David
Verified Review
Too late to change to another company
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 26, 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 21, 2025
It seems expensive, and there's no communication with me!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
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.
| 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. | $81/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. | $119/mo |
3.9
A solid optionBased on 660 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (309)
Arthur
Verified Review
The Save & Drive Pod Doesn't Save Much
Reviewed in Illinois on January 25, 2026
Not sure where to place the Drive Safe app on the fob in the vehicle. One month I save a little, the next month it's up again. I don't drive every day like most. I'm retired and have this new truck, which I don't see ever putting on the national average miles. I may drive it once or twice a month. Yet my savings don't reflect that. I've been insured with State Farm since I was 17. I'm 62. I should be saving a lot more.
Joann
Verified Review
Not good at all
Reviewed in Georgia on January 22, 2026
Bad customer service, no discounts, overpriced, and they do not care about their customers. My mom had been with them for 56 years, and they would not assist her or give her time to get the information she needed. They talked really horribly to her. I got coverage for 3 cars for less than the amount they were charging me for 3. I have no tickets or DUIs, and they gave me no discounts. I will never use their service again or refer anyone I know.
David
Verified Review
Unhappy
Reviewed in Nevada on January 10, 2026
No tickets, no claims, 60 years of safe driving. Now retired on a fixed income, driving about 10 miles a week. Corporate price gouging.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Affordable rates
Local agents available for personalized service
Rideshare coverage available
Cons
Some discounts not available in Utah
Fewer policy customization options
Gap insurance not available
Find the Best Company for You
Local rates start as low as $65 per month.
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Utah Auto Insurance Requirements
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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 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.
Is minimum coverage enough in Salt Lake City?
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. 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.
Salt Lake City Auto Insurance FAQs
Below, we answered some common questions from drivers about car insurance in Salt Lake City, Utah.
How much is car insurance in Salt Lake City?
Car insurance in Salt Lake City costs an average of $129 per month, according to Compare.com data. Rates average $105 per month for liability-only coverage, while full coverage averages $153.
What’s the cheapest auto insurance company in Salt Lake City?
The cheapest auto insurance company in Salt Lake City is USAA, according to Compare.com data. The company’s rates start at $65 per month.
Is car insurance in Salt Lake City expensive?
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 $129 per month for car insurance, according to Compare.com data. For context, the national average for auto coverage is $137 per month.
Why is Utah car insurance so expensive?
Utah car insurance is actually cheaper than the national average, according to Compare.com data. The average cost of auto insurance in Utah is $118 per month, while the national average rate is $137.
Methodology
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.
Sources
- CrimeGrade.org. "Salt Lake City, UT Vehicle Theft Rates and Vehicle Theft Maps."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- J.D. Power. "2025 U.S. Insurance Digital Experience Study."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
- Trustpilot. "Nationwide Reviews."
- Utah State Legislature. "Motor vehicle liability policy minimum limits.."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
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Mandy SleightInsurance Writer
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.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.