When it comes to car insurance, drivers in Salt Lake City can expect to pay an average premium of $622 per year for minimum coverage and $1,442 per year for full coverage. Although a minimum coverage policy is cheaper, experts often don’t recommend it for most drivers, given the limited amount of coverage it provides.

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However, Salt Lake City drivers can find an affordable policy without settling for minimum coverage. To help you find the cheapest car insurance in Salt Lake City, Bankrate did some research and compared providers using our unique methodology. According to Bankrate’s 2021 study of quoted annual premiums, USAA offers the most affordable car insurance in Salt Lake City.

Best cheap car insurance companies in Salt Lake City

The cheapest auto insurance companies in Salt Lake City are USAA, Geico, Allstate, State Farm and American Family, according to our study of rates from Quadrant Information Services.

After evaluating average rates pulled from Quadrant Information Services, Bankrate reviewed each Utah car insurance provider and assigned a Bankrate Score out of five points. Bankrate Scores are calculated based on factors like affordability, accessibility, financial strength, online and mobile resources and claims handling.

When comparing the best car insurance companies in Salt Lake City, getting sample quotes and comparing cost is valuable. However, you might also want to pay attention to features like coverage options, discounts and customer service, if those are priorities for you. Keep in mind that the best provider for your needs may not have the cheapest rates.

Insurance company Bankrate Score J.D. Power customer satisfaction score
(Southwest region)
Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5.0 863/1,000 $915 $332
Geico 4.7 829/1,000 $973 $356
Allstate 4.0 822/1,000 $1,589 $680
State Farm 4.7 847/1,000 $1,823 $842
American Family 4.3 850/1,000 $1,879 $1,017


Based on our sample premiums, USAA has the cheapest rates for full coverage and minimum coverage insurance in Salt Lake City. In addition to being one of the cheapest car insurance companies, it’s also one of the highest rated. USAA received a perfect 5.0 Bankrate Score and has the best overall customer satisfaction rating from J.D. Power in the Southwest region. However, the company is technically rank ineligible because you must be an active duty or retired military service member or a qualified family member to get car insurance from USAA.

Learn more: USAA Insurance review


Geico is the second cheapest car insurance company in Salt Lake City on our list, with average rates that are just slightly more expensive than USAA. Geico’s Bankrate Score of 4.7 reflects the company’s low average rates and great potential discounts. Geico offers savings opportunities for military personnel, good students, federal employees, affinity group members, vehicle safety features and more. However, Geico only offers a few add-on coverages, and it was rated below average for overall customer satisfaction by J.D. Power.

Learn more: Geico Insurance review


Allstate might be a good insurance company for some drivers, but it earned the lowest Bankrate Score out of the five Salt Lake City insurance providers on our list. Allstate’s rates are a little bit above average, and the company has a lower-than-average customer satisfaction rating from J.D. Power. However, it does offer some good potential discounts and sells a variety of add-on coverages, like new car replacement, accident forgiveness and deductible rewards. Therefore, Allstate may be a great option if you want to customize your policy for more protection.

Learn more: Allstate Insurance review

State Farm

State Farm is the biggest car insurance provider in the country based on market share. It was the second-runner up in J.D. Power’s study of the best car insurance providers for overall customer satisfaction in the Southwest region. State Farm’s Bankrate Score of 4.7 is reflective of the company’s great third-party ratings and potential discounts, with generous savings opportunities for good students, policy bundling, safe drivers and more. However, State Farm’s rates are much higher than average for Salt Lake City.

Learn more: State Farm Insurance review

American Family

American Family is a strong car insurance company across the board, according to our research. It offers excellent coverage options, good potential discounts and has great third-party ratings. J.D. Power named American Family as the best car insurance carrier for overall customer satisfaction in the Southwest region, earning the top spot among 12 companies. However, if you are looking for cheap car insurance companies, American Family might not be the best choice. It has the highest average rates out of five providers on our list.

Learn more: American Family Insurance review

How to get and keep the cheapest car insurance in Salt Lake City

Most drivers in Salt Lake City should be able to find a car insurance policy that fits within their budget. But car insurance rates are not locked in forever. Changes to your driving record, credit score and claim history can all cause your rate to increase when your policy renews. Here are a few tips for getting a cheap policy, and most importantly, maintaining affordable rates over time:

  • Get multiple rate quotes. Car insurance providers differ in a number of ways, one of which is cost. Some insurance providers offer cheaper rates than others, so it’s important to get personalized quotes from multiple companies and compare them to find the most affordable company for your circumstances and coverage needs.
  • Adjust your coverage as your vehicle ages. To keep your insurance premium low, consider adjusting your coverages as your vehicle gets older. For example, when the cost of your annual premium plus your deductible is higher than the value of your vehicle, it might be time to drop your collision and comprehensive insurance, which will lower your rate.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.