Best cheap car insurance in Salt Lake City

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Residents of Salt Lake City can expect to pay an average annual premium of $622 for minimum coverage and $1,442 for full coverage car insurance. Salt Lake City, home to over 200,000 people and named for the salty lake dominating the western desert, has slightly higher rates than the average in Utah.

To find the best cheap car insurance in Salt Lake City, we reviewed multiple insurance providers and compared quotes, coverages, discounts and other criteria. If you’re shopping for car insurance, consider these companies to find the cheapest rates with the best car insurance providers.

Best car insurance companies in Salt Lake City

The best car insurance companies offer excellent customer service and claims experience, multiple options for coverage, various discounts that can be stacked for additional savings and strong financials to pay out claims. We found these insurance providers excelled in these areas for Salt Lake City drivers.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 830 / 1000 $680 $1,589
American Family 834 / 1000 $1,017 $1,879
Geico 834 / 1000 $356 $973
State Farm 826 / 1000 $842 $1,823
USAA 876 / 1000 $332 $915


Utah drivers seem to like Allstate’s options for coverage and discounts, as they are the second most purchased car insurance provider with 12% of the market. Over the years, the company has lobbied for increased safety standards, making the roads safer for everyone while reducing injuries and fatalities. As part of the Southwest region, Salt Lake City and the rest of Utah ranked Allstate high in customer satisfaction for Auto Insurance on J.D. Power’s 2020 Study with 830 points.

American Family

American Family holds 4% of the market share for auto insurance in Utah. Salt Lake City drivers are able to take advantage of several unique discounts, including generational, young volunteer, multi-policy and loyalty discounts. AmFam tied with GEICO for second place in customer satisfaction for the Southwest region.


Being one of the largest insurers in the country, it’s no surprise Geico holds 10% of the market share for auto insurance in Utah. With so many autos insured, GEICO is able to keep its rates low while still offering a good amount of discounts for Salt Lake City and the surrounding area.

GEICO tied with AmFam in the Southwest region and is second in purchase experience with 867 points on the Insurance Shopping Study. GEICO got one point below the average in overall customer satisfaction on the Auto Claims Satisfaction Study and has a higher-than-average complaint ratio, but has the highest possible financial strength score.

State Farm

If you like a personal touch with insurance, State Farm agents offer it, from the time you get a quote until you need to file a claim, which can be done over the phone or online. State Farm has been around for almost 100 years and holds 14% of the market share.

The Southwest region of the country ranks State Farm one point below average in Auto Insurance Satisfaction while it’s rated average for purchase experience in the Insurance Shopping Study. State Farm is above average with 881 points in the Auto Claims Satisfaction Study, but is also above average in complaints compared to the National Complaint Index.


Though USAA is only available to people in the military, retired military and their families, it happens to have the cheapest car insurance rates on our “best of” list. With two military bases in Utah, USAA holds the seventh spot for market share, insuring 5.2% of the state’s car insurance.

Cheapest car insurance in Salt Lake City

Compared to average Utah rates, Salt Lake City drivers pay rates that are on par with the rest of the state. Average annual rates for full coverage in Salt Lake City are $1,442 for full coverage but only $1,306 for Utah while liability coverage costs on average $622 in Salt Lake City and $528 in Utah per year. The national average cost of car insurance is $1,674 for full coverage, which is a little higher than Salt Lake City, but liability coverage is cheaper nationally with an average $565 per year.

To find the cheapest car insurance companies in Salt Lake City, we compared the most popular providers based on market share. The following companies had the best combination of cheap rates, plus discount availability, customer service and claims experience, financial strength and technology available for claims filing and policy maintenance.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $332 $915
Geico $356 $973
Nationwide $505 $1,150
Farmers $542 $1,241
Progressive $636 $1,336

Salt Lake City insurance requirements

Utah has minimum car insurance requirements like most states in the U.S. These minimum liability coverages must be in place to register a vehicle and drive legally on Utah roads:

  • $25,000 per person for bodily injury
  • $65,000 for two or more persons for bodily injury
  • $15,000 for property damage
  • OR $80,000 single limit for bodily injury and property damage

Though it can be tempting to get the minimum coverage available to get the cheapest rates, some people in Salt Lake City could benefit from higher liability limits. The more coverage you have, the less chance you’ll have to self insure if you’re involved in an accident. If you have a financed or leased vehicle, expanding to full coverage may be required by your lender.

Car insurance discounts in Salt Lake City

With higher-than-average car insurance rates, Salt Lake City drivers may benefit more than most from discounts. All insurance companies offer discounts, and some are stackable, so you can save even more if you qualify for more than one. Here are some of the discounts that can save you the most in Salt Lake City:

  • Driver’s education course: Taking a state-approved driver education course can not only make you a safer driver, it may also get you a discount on your car insurance with some providers.
  • Driver monitoring: Most car insurance companies have their own driver monitoring devices, whether you plug something into your car or use an app. If you’re a safe driver and don’t put a ton of miles on your car, this is a discount you may be able to take advantage of.
  • Good student discount: Having a teen driver is expensive, no matter what state you live in. If your full-time student is able to maintain a certain GPA, this discount may be available to you.
  • Multiple policies: Insuring your car and home together with one company makes it easier for you to keep track plus you may be able to save on both policies.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for everyone, based on their own personal needs for coverage and their driving profile. Consider coverages, discounts, claims experience and financial strength to find the best car insurance company with affordable rates.

How much does car insurance in Salt Lake City cost?

The average Salt Lake City driver can expect to pay $622 per year for minimum coverage and $1,442 per year for full coverage. Your rate could be more or less than that based on your driving record, type of vehicle, usage, mileage and the coverage you need.

How much car insurance do I need in Salt Lake City?

As a no-fault state, Utah drivers in Salt Lake City should be prepared to pay for their own medical expenses and lost wages if involved in a car accident. This is something to consider when deciding how much car insurance coverage you need.


Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.