Salt Lake City residents can expect an average annual premium to be $622 for minimum coverage, and $1442 for full-coverage car insurance. Salt Lake City is home to more than 200,000 people. named after the salty lake that dominates the western desert has slightly higher rates.
We compared the quotes and discounts of multiple insurance companies to find the best affordable car insurance in Salt Lake City. These companies can help you find the lowest rates and best car insurance providers if you are looking for car insurance.
Salt Lake City’s best car insurance companies
Car insurance companies that are the best offer exceptional customer service, claims experience, multiple coverage options, discounts that can be combined for additional savings, and strong financials to cover claims. These insurance providers were excellent in all these areas for Salt Lake City residents.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| 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 |
Allstate
Utah drivers love Allstate’s discounts and coverage options. They are the second-most purchased car insurance provider, accounting for 12%. The company has advocated for safety standards that make roads safer and reduce fatalities. Salt Lake City and Utah are part of the Southwest region. According to J.D., Allstate was ranked high in customer satisfaction for Auto Insurance. Power’s 2020 Study, 830 points
American Family
American Family has 4% market share in Utah for auto insurance. Salt Lake City residents can take advantage of several discounts including loyalty, multi-policy, and generational discounts. AmFam and GEICO tied for second in Southwest region customer satisfaction.
Geico
Geico is one of the most prominent insurers in the United States. This means that it holds 10% of Utah’s auto insurance market. GEICO can keep its rates low because there are so many automobiles insuring. GEICO also offers a lot of discounts for Salt Lake City, and the surrounding areas.
AmFam Southwest Region tied GEICO and is second in overall purchase experience with 867 points in the Insurance Shopping Study. GEICO scored one point lower than the average on overall customer satisfaction in the Auto Claimssatisfaction Study. Despite having a higher-than-average number of complaints, it has the highest financial strength score.
State Farm
State Farm agents can provide personal service from the moment you receive a quote to the time that you file a claim. This can be done either over the phone or online. State Farm is a market leader with 14%. It has been in existence for nearly 100 years.
State Farm’s score in Auto Insurance Satisfaction is one point lower than the national average. However, it was rated average for the Insurance Shopping Study in terms of purchase experience. State Farm scores above average with 881 points, and is higher in complaints than the National Complaint Index.
USAA
USAA can only be purchased by military personnel, their families and retired military personnel. However, it also happens to be the best-of list for car insurance rates. USAA, which insures 5.2% of Utah’s auto insurance, holds the seventh market share spot with two military bases.
Salt Lake City has the lowest car insurance
Salt Lake City drivers have rates that are comparable to the rest of Utah, compared to the average Utah rate. Salt Lake City’s average annual rates for full coverage are $1,442 per year, but $1,306 in Utah. Liability coverage costs an average $622 in Salt Lake City, and $528 in Utah, each year. The average cost of car insurance in is $1674 for full coverage. This is slightly higher than Salt Lake City. However, liability coverage is much cheaper at an average $565 per the year.
We compared the most well-known providers in Salt Lake City to find the lowest car insurance rates. These companies offered the best combination of low rates and discounts, as well as customer service, claims experience, financial strength, and technology for policy maintenance and claims filing.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| USAA | $332 | $915 |
| Geico | $356 | $973 |
| All over the country | $505 | $1,150 |
| Farmers | $542 | $1,241 |
| Progressive | $636 | $1,336 |
Salt Lake City insurance requirements
Utah has minimum requirements for car insurance, just like other states in the U.S. To register a vehicle in Utah and allow it to be driven legally, you must have minimum liability coverage.
- $25,000 per person to treat bodily injuries
- $65,000 for 2 or more people for bodily injury
- $15,000 for property damage
- OR $80,000 for property and bodily injury
Although it may be tempting to only get the minimum coverage to get the lowest rates, there are some Salt Lake City residents who could benefit from greater liability limits. You can reduce the chance of being in an accident by increasing your coverage. Your lender may require you to increase your coverage to full coverage if you own a financed vehicle.
Salt Lake City: Car insurance discounts
Salt Lake City residents may be able to take advantage of discounts because they have higher than average car insurance rates. Discounts are offered by all insurance companies. Some discounts can be combined, which means you could save even more if your eligibility for more than one. These are the best discounts in Salt Lake City.
- Driver’s education: A state-approved driver education program can make you safer and may even get you a discount on your auto insurance.
- Driver monitoring: Car insurance companies often have driver monitoring devices. You can plug something into your car, or use an app. This discount may be available to you if you are a safe driver who doesn’t drive a lot.
- A good student discount: Teen drivers are expensive no matter where you live. This discount might be available if your full-time student can maintain a certain grade point average.
- Multiple policies: Having your home and car insured with the same company will make it easier to keep track of everything. You may also be able save money on each policy.
Questions frequently asked
Which is the best auto insurance company?
Every person’s needs and driving history will determine which company is the best for them. To find the best car insurance company, consider coverages, discounts and claims experience.
What is the cost of Salt Lake City car insurance?
Salt Lake City drivers can expect to pay $622 annually for minimum coverage, and $1442 for full coverage. Based on your driving record and vehicle type, usage, and coverage requirements, your rate may be higher or lower.
Salt Lake City: How much car insurance do you need?
Utah is a no fault state. Utah drivers living in Salt Lake City need to be ready to pay their medical bills and lost wages in the event of a car accident. When deciding on the amount of car insurance you need, this is something to think about.