Getting cheap car insurance in Salt Lake City isn’t as simple as clicking on the lowest number you see in a quote. Insurance companies look at different factors like your age, address, type of car, and your driving records to set your auto insurance rates. So, every driver’s situation is different, prices will vary. That’s why comparing quotes is the smartest way to find the cheapest car insurance in Salt Lake City Utah — or anywhere else.
In Utah, every driver here needs to carry the state’s minimum liability insurance, but car insurance cost can also swing a lot depending on things like local accident trends, car theft rates, and even how rough the winters get.
We will look into cheap auto insurance in Salt Lake City, Utah for different driver profiles and coverage types
When you are looking for the cheapest car insurance Salt Lake City Utah has to offer, the insurer you choose can make all the difference. Even drivers with similar vehicles and clean records can see big price differences between carriers. That’s why comparing multiple quotes is one of the most effective ways to secure truly low-cost coverage without cutting back on protection.
For a 35-year-old driver with good credit and a clean record, recent market data shows these companies offering some of the most competitive annual rates in Salt Lake City:
| Company | Median Annual Rate |
|---|---|
| USAA* | $1,416 |
| Nationwide | $1,488 |
| QBE | $1,565 |
| Auto-Owners | $2,014 |
| GEICO | $2,035 |
| Progressive | $2,329 |
| American Family | $2,371 |
| Farm Bureau Financial Services | $2,663 |
| Farmers Union | $2,698 |
| The General | $2,970 |
*USAA is available only to active military, veterans, and their families.
While these averages provide a useful starting point, every driver’s rate is calculated differently based on unique risk factors. The best approach? Shop around, compare coverage options side-by-side, and choose a carrier with strong claims service and financial stability.
The cost of auto insurance coverage can vary between Salt Lake City and the rest of the state. Factors like traffic density, accident frequency, road conditions, and even winter weather patterns all play a role to determine local premiums.
According to the latest market analysis, drivers in Salt Lake City pay an average of $2,514 per year. It is noticeably higher than the Utah statewide average of $2,215. This gap highlights why it’s so important for local drivers to compare cheap car insurance quotes.
| Location | Median Annual Rate |
|---|---|
| Salt Lake City | $2,514 |
| Utah (statewide) | $2,215 |
Auto insurance rates in Salt Lake City can vary from one ZIP code to another. Local factors such as accident frequency, vehicle theft rates, population density, and even road layouts can impact what you pay for coverage.
Recent analysis shows that in some neighborhoods may have higher premiums even for drivers with good credit and a clean driving record.
| ZIP | Median Rate |
|---|---|
| 84109 | $2,401 |
| 84106 | $2,407 |
| 84117 | $2,458 |
| 84121 | $2,436 |
| 84123 | $2,511 |
| 84107 | $2,561 |
| 84115 | $2,586 |
| 84129 | $2,604 |
| 84118 | $2,703 |
| 84116 | $2,718 |
If you live in one of these ZIP codes, comparing quotes could help you secure the best deal on car insurance Salt Lake City Utah.
You have probably noticed that your age plays a huge role in determining your car insurance premium. Insurance companies have years of data showing how age affects driving habits and accident risk.
In Salt Lake City, Younger drivers tend to see higher rates because statistics show they’re more likely to be involved in collisions. As you move into your 30s, 40s, and beyond, your experience often translates into lower premiums, provided you maintain a clean driving record.
20-year-old drivers don’t have many years of driving experience. Although, their Car insurance isn’t as expensive as teen driver, but still considered high risk driver. So, they have to pay more for auto insurance. Here is what 20-year-olds in Salt Lake City might pay, on average.
| Company | Median Annual Rate |
|---|---|
| QBE | $2,831 |
| USAA* | $3,233 |
| Nationwide | $3,917 |
| GEICO | $4,239 |
| Progressive | $4,528 |
| Auto-Owners | $4,607 |
| Farm Bureau Financial Services | $5,541 |
| Farmers Union | $5,686 |
| The General | $5,699 |
| American Family | $6,351 |
*USAA is only available to active military members, veterans, and their eligible family members.
For young adults, strategic moves like completing a defensive driving course, staying on a parent’s policy a little longer, or choosing a vehicle with strong safety ratings can make a big difference in lowering premiums. These steps can help to find the cheap car insurance Salt Lake City, Utah for young age group.
Mature drivers after 35 years old usually pay less than younger drivers. This is the perfect age to compare car insurance quotes because the insurer that offered you the lowest rate in your 20s might not still be the best option.
Here’s what 35-year-old drivers in Salt Lake City might pay annually, based on median rates:
| Company | Median Annual Rate |
|---|---|
| USAA* | $1,416 |
| Nationwide | $1,488 |
| QBE | $1,565 |
| Auto-Owners | $2,014 |
| GEICO | $2,035 |
| Progressive | $2,329 |
| American Family | $2,371 |
| Farm Bureau Financial Services | $2,663 |
| Farmers Union | $2,698 |
| The General | $2,970 |
*USAA is available only to military members, veterans, and their families.
At age 60, your auto insurance rates are usually at their lowest if you kept a clean driving record. Although rates could start rising again once a driver reaches their 70s. With decades of driving experience under your belt, insurers see you as a low-risk policyholder. Still, it is smart to compare car insurance quotes Salt Lake City and use discounts like bundling home and auto coverage.
Here’s what 60-year-old drivers in Salt Lake City might expect to pay each year:
| Company | Median Annual Rate |
|---|---|
| USAA* | $1,139 |
| Nationwide | $1,248 |
| QBE | $1,599 |
| Progressive | $1,790 |
| Auto-Owners | $1,884 |
| Farmers Union | $2,116 |
| American Family | $2,252 |
| GEICO | $2,262 |
| Farm Bureau Financial Services | $2,414 |
| The General | $2,625 |
*USAA is available only to military members, veterans, and their families.
Your driving history is one of the most powerful factors that affects your auto insurance rate. Insurers view it as a direct reflection of risk: a good driver (driver with clean record) usually pay lower premium while a history of speeding tickets, at-fault accidents, or serious violations can quickly push your premiums higher.
In Salt Lake City, some providers consistently deliver competitive pricing across different driving histories.
If you have clean driving history, you’re already in the best position to get the lowest auto insurance rates in Salt Lake City Utah. Insurance companies view good drivers as low-risk policyholders, that means you are less likely to file a claim. This reduced risk helps you to save on car insurance year after year.
Based on recent data, these are the average annual premiums for good drivers in Salt Lake City, ranked from most affordable to highest:
| Company | Median Annual Rate |
|---|---|
| USAA* | $1,416 |
| Nationwide | $1,488 |
| QBE | $1,565 |
| Auto-Owners | $2,014 |
| GEICO | $2,035 |
| Progressive | $2,329 |
| American Family | $2,371 |
| Farm Bureau Financial Services | $2,663 |
| Farmers Union | $2,698 |
| The General | $2,970 |
Note: USAA is available only to active-duty military members, veterans, and their families.
Even the best insurance companies can differ by more than $1,500 in price. If you have a clean driving record, comparing quotes can save you a lot each year.
A DUI conviction can have one of the most significant impacts on your car insurance rates. Insurers consider drivers with a DUI to be high risk due to the increased likelihood of future claims. As a result, you may see your premiums more than double compared to good drivers. Drivers with a DUI can struggle to find affordable insurance and they may need look for a high-risk car insurance company.
Below are the average annual rates for Salt Lake City drivers with a DUI.
| Company | Median Annual Rate |
|---|---|
| Progressive | $2,716 |
| USAA* | $2,718 |
| Nationwide | $3,331 |
| QBE | $3,445 |
| American Family | $3,797 |
| Farm Bureau Financial Services | $3,836 |
| The General | $4,169 |
| Kemper | $5,161 |
| Farmers Union | $5,691 |
| GEICO | $6,156 |
Note: USAA is available only to active-duty military, veterans, and their immediate families.
Having an at-fault accident on your driving record will almost always lead to higher car insurance premiums but usually not as much as it would after a DUI. The exact impact depends on the accident’s severity and circumstances. Minor fender benders may not raise rates as much as a collision caused by running a red light or reckless driving.
Still if you maintain a safe driving record after the incident, you can lower car insurance costs over time.
Here are the average annual rates for Salt Lake City drivers with an at-fault accident.
| Company | Median Annual Rate |
|---|---|
| USAA* | $2,134 |
| Nationwide | $2,593 |
| Auto-Owners | $3,090 |
| QBE | $3,445 |
| Progressive | $3,471 |
| American Family | $3,557 |
| GEICO | $3,940 |
| Farm Bureau Financial Services | $3,942 |
| The General | $4,559 |
| Farmers Union | $4,695 |
Note: USAA is available only to active-duty military, veterans, and their immediate families.
A speeding ticket can increase your car insurance premiums, sometimes for several years, depending on your insurer and how fast you were going over the limit. While it is not as costly as a DUI or at-fault accident, the extra expense can still be significant—especially if you already have other violations on your record.
Here are the average annual rates for Salt Lake City drivers with a speeding ticket.
| Company | Median Annual Rate |
|---|---|
| USAA* | $1,885 |
| Nationwide | $2,160 |
| Progressive | $2,282 |
| Auto-Owners | $2,777 |
| QBE | $3,118 |
| American Family | $3,289 |
| Farm Bureau Financial Services | $3,392 |
| GEICO | $3,600 |
| The General | $4,094 |
| Farmers Union | $4,355 |
Note: USAA is available only to active-duty military, veterans, and their immediate families.
Even if your base rate seems high, strategic use of discounts can make a big difference in what you pay for car insurance in Salt Lake City. Many insurers offer savings opportunities you might not be aware of, such as:
The key is to ask your insurer about every discount they offer and ensure you get cheap car insurance in Salt Lake City Utah.
In Salt Lake City, your driving record plays a big role in determining how much you’ll pay for coverage. By comparing rates regularly and keeping your record as clean as possible, you’ll be in the best position to lock in the cheapest car insurance available.