Buy Cheap Salt Lake City, UT Auto Insurance

The cheapest Salt Lake City, UT auto insurance is from GEICO, although rates will vary by driver. Auto insurance in Salt Lake City must meet the Utah minimums of 25/65/15 in liability coverage, $3,000 in PIP, and 25/65 in uninsured/underinsured motorist coverage. Compare Salt Lake City, UT auto insurance rates online to find your best deal.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto insurance in Salt Lake City, UT offered to every driver is from GEICO
  • Salt Lake auto insurance is cheaper than the national average but more expensive than the state average
  • Drivers may opt-out of uninsured/underinsured motorist coverage if they choose

Salt Lake City, UT auto insurance is less expensive than the national average. However, Salt Lake rates are higher than the Utah auto insurance average.

The good news is that you can still find affordable Salt Lake City, UT auto insurance. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.

Enter your ZIP code now to compare Salt Lake City, UT auto insurance rates from multiple companies for free.

What is the cheapest auto insurance company in Salt Lake City, UT?

The cheapest Salt Lake City, UT auto insurance company is USAA, but it only offers coverage to the military, veterans, and their families. GEICO offers the cheapest car insurance in the city to all drivers. However, rates will be different for every driver.

The top Salt Lake City, UT auto insurance companies listed from least to most expensive are:

  • USAA – $2,887.03
  • GEICO – $3,283.39
  • Nationwide – $3,484.91
  • American Family – $4,173.76
  • Farmers – $4,404.56
  • Allstate – $4,500.06
  • Liberty Mutual – $4,937.14
  • Progressive – $5,020.05
  • State Farm – $5,362.05

Your auto insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record. Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for auto insurance.

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What auto insurance coverage is required in Salt Lake City, UT?

Like most states, Utah requires drivers to carry at least minimum auto insurance coverages to drive legally. Salt Lake City drivers must have:

  • $25,000 per person and $65,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $3,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $65,000 per incident for uninsured/underinsured motorist coverage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car if you cause an accident. Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature.

It’s also important to note that drivers may opt-out of uninsured/underinsured motorist coverage if they choose.

What affects auto insurance rates in Salt Lake City, UT?

Traffic affects your auto insurance rates because more cars on the road equal a higher chance of an accident.

INRIX ranks Salt Lake City, UT as the 246th most congested city in the U.S.

City-Data reports that most drivers in Salt Like City commute around 25 minutes, but a significant number commute an hour or more.

Auto theft can also raise your car insurance rates. According to the FBI, there were 1,886 motor vehicle thefts in one year in Salt Lake City.

Salt Lake City, UT Auto Insurance: The Bottom Line

Although Salt Lake City car insurance is more expensive than the state average, you can still find a good deal. Before you buy Salt Lake City, UT auto insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare Salt Lake City, UT auto insurance quotes from multiple companies near you.

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