Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Salt Lake City after a DUI is USAA
  • Average car insurance rates in Salt Lake City, UT are $352/month
  • Average car insurance rates in Salt Lake City, UT for senior drivers are $2,279/year

Average car insurance rates in Salt Lake City, Utah are $352 a month. But with a little research you can get a great deal from the top car insurance companies in Salt Lake City, UT. Before you buy Salt Lake City, Utah car insurance, make sure your coverage meets or exceeds the Utah minimum of 25/65/15.

It may even be helpful to compare Salt Lake City car insurance rates with West Jordan car insurance rates, Provo car insurance rates, or Ogden car insurance rates to make sure you’re getting the best Salt Lake City, UT car insurance quotes available.

Need affordable Salt Lake City, UT car insurance? Enter your ZIP code to compare Salt Lake City car insurance quotes from multiple car insurance companies near you.

Salt Lake City, UT Minimum Car Insurance Coverage

Salt Lake City, Utah law requires drivers carry a minimum of 25/65/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Salt Lake City, Utah

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$65,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Salt Lake City, UT Car Insurance Rates by Coverage Level

Some Salt Lake City drivers can get by with the Utah minimum coverage of 25/65/15. Other drivers may need more. See how much your Salt Lake City, Utah car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Salt Lake City, Utah

Insurance Company Low Medium High
Allstate $4,302 $4,491 $4,708
American Family $4,047 $4,229 $4,244
Farmers $4,017 $4,341 $4,856
GEICO $3,027 $3,272 $3,552
Liberty Mutual $4,664 $4,917 $5,230
Nationwide $3,811 $3,312 $3,331
Progressive $4,586 $4,841 $5,633
State Farm $5,004 $5,380 $5,702
USAA $2,748 $2,891 $3,023

Salt Lake City, UT Car Insurance Rates by Age, Gender, and Marital Status

Salt Lake City, Utah car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Salt Lake City, UT car insurance, get quotes from multiple car insurance companies in the Salt Lake City area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Salt Lake City, Utah

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,818 $2,604 $2,566 $2,568 $9,180 $10,312 $2,987 $2,965
American Family $2,319 $2,319 $2,136 $2,136 $8,441 $10,991 $2,319 $2,728
Farmers $2,377 $2,350 $2,099 $2,237 $10,196 $10,513 $2,690 $2,775
GEICO $2,093 $2,340 $2,332 $2,745 $6,365 $6,786 $1,807 $1,800
Liberty Mutual $2,719 $2,928 $2,249 $2,515 $10,989 $12,213 $2,859 $3,025
Nationwide $2,207 $2,226 $1,972 $2,070 $6,204 $7,874 $2,572 $2,754
Progressive $2,700 $2,500 $2,217 $2,358 $11,339 $12,622 $3,127 $3,299
State Farm $3,220 $3,220 $2,946 $2,946 $10,126 $12,587 $3,659 $4,194
USAA $1,627 $1,593 $1,467 $1,456 $5,911 $6,907 $1,975 $2,161

Salt Lake City, UT Car Insurance Rates for Teens

How much is Salt Lake City, Utah car insurance for teens? Compare rates from top Salt Lake City car insurance companies below to help find the cheapest teen car insurance in Salt Lake City, UT.

Annual Car Insurance Rates for Teen Drivers in Salt Lake City, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,180 $10,312
American Family $8,441 $10,991
Farmers $10,196 $10,513
GEICO $6,365 $6,786
Liberty Mutual $10,989 $12,213
Nationwide $6,204 $7,874
Progressive $11,339 $12,622
State Farm $10,126 $12,587
USAA $5,911 $6,907

Salt Lake City, UT Car Insurance Rates for Seniors

Before seniors buy Salt Lake City, Utah car insurance, they should make sure to shop around. Some Salt Lake City, UT car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Salt Lake City, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,566 $2,568
American Family $2,136 $2,136
Farmers $2,099 $2,237
GEICO $2,332 $2,745
Liberty Mutual $2,249 $2,515
Nationwide $1,972 $2,070
Progressive $2,217 $2,358
State Farm $2,946 $2,946
USAA $1,467 $1,456

Salt Lake City, UT Car Insurance Rates by Credit History

How does your credit history affect Salt Lake City, UT car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Salt Lake City, Utah

Insurance Company Poor Fair Good
Allstate $6,017 $4,043 $3,440
American Family $5,247 $3,936 $3,339
Farmers $5,031 $4,196 $3,987
GEICO $5,011 $2,769 $2,070
Liberty Mutual $7,035 $4,349 $3,427
Nationwide $4,295 $3,274 $2,885
Progressive $5,652 $4,868 $4,540
State Farm $8,733 $4,390 $2,963
USAA $4,132 $2,642 $1,887

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Salt Lake City, UT Car Insurance Rates by Driver History

How does a single speeding ticket affect your Salt Lake City, Utah car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Salt Lake City.

Annual Salt Lake City, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,771 $4,568 $5,384 $4,277
American Family $3,435 $4,300 $5,091 $3,869
Farmers $3,747 $4,876 $4,735 $4,261
GEICO $2,346 $3,685 $4,370 $2,733
Liberty Mutual $3,862 $5,313 $5,711 $4,863
Nationwide $2,764 $3,725 $4,366 $3,084
Progressive $4,233 $6,460 $4,431 $4,958
State Farm $4,859 $5,866 $5,362 $5,362
USAA $2,259 $2,875 $3,880 $2,535

Salt Lake City, UT Car Insurance Rates With a DUI

Even a single DUI can increase your Salt Lake City, UT car insurance rates. Compare rates below to see which Salt Lake City car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Salt Lake City, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,384
American Family $5,091
Farmers $4,735
GEICO $4,370
Liberty Mutual $5,711
Nationwide $4,366
Progressive $4,431
State Farm $5,362
USAA $3,880

Salt Lake City, UT Car Insurance Rates by ZIP Code

Just like Salt Lake City car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Salt Lake City, UT car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Salt Lake City, Utah

ZIP Code Average Annual Rates
84101 $4,350
84102 $3,981
84103 $4,118
84104 $4,580
84105 $4,059
84106 $4,070
84108 $3,985
84109 $4,147
84111 $4,183
84112 $4,148
84113 $4,060
84114 $3,989
84115 $4,310
84116 $4,556
84117 $4,201
84129 $4,446
84132 $4,108
84133 $4,172
84138 $4,149
84180 $4,440

Salt Lake City, UT Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Salt Lake City, UT car insurance rates may be. Let’s take a look at average car insurance rates from top Salt Lake City companies based on commute time.

Annual Car Insurance Rates by Commute Length in Salt Lake City, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,500 $4,500
American Family $4,171 $4,176
Farmers $4,405 $4,405
GEICO $3,230 $3,337
Liberty Mutual $4,857 $5,017
Nationwide $3,485 $3,485
Progressive $5,020 $5,020
State Farm $5,224 $5,500
USAA $2,856 $2,919

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Salt Lake City, UT Cheapest Car Insurance Rates

How do the top Salt Lake City, Utah car insurance companies’ average rates stack up against the Salt Lake City average monthly car insurance rates of $352? Take a look and see.

Best Annual Car Insurance Rates by Company in Salt Lake City, Utah

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Salt Lake City, UT Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Salt Lake City, Utah car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Salt Lake City, Utah

Insurance Company Average Annual Rates
Allstate $4,500
American Family $4,174
Farmers $4,405
GEICO $3,283
Liberty Mutual $4,937
Nationwide $3,485
Progressive $5,020
State Farm $5,362
USAA $2,887

Other Factors Affecting Salt Lake City, UT Car Insurance Rates

Before you buy Salt Lake City, Utah car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Salt Lake City, UT Commute Time

How does your Salt Lake City, UT commute time compare with the average driver? In Salt Lake City, the average commute is 19.5 minutes.

Salt Lake City, UT Traffic

Spending time in Salt Lake City traffic can lead to higher car insurance rates. According to INRIX data, Salt Lake City, UT ranks as the 929th-most congested with traffic in the world.

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Salt Lake City, UT Car Insurance Quotes

Compare Salt Lake City, UT car insurance quotes from multiple companies by entering your ZIP code now.