The Cheapest Auto Insurance Companies in Salt Lake City, Utah, in 2026
The cheapest car insurance company in Salt Lake City is USAA, with rates starting at $63 per month.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byMatthew Gross
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Matthew GrossEditor
Updated
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The average cost of car insurance in Salt Lake City is $130 per month. Salt Lake City’s rates are usually lower than the national average but slightly higher than the state average. Premiums are likely higher because Salt Lake City is Utah’s most populous city and has a higher-than-average vehicle theft rate.[1]
That said, plenty of companies offer cheap auto insurance for SLC drivers. Some of the cheapest insurers in Salt Lake City include USAA, Auto-Owners, and National General.
In this guide, we’ll break down SLC’s cheapest car insurance companies, insurance rates by coverage and driver type, and strategies to help you save.
Key Takeaways
USAA offers the cheapest car insurance in Salt Lake City, with liability coverage starting at $63 per month.
The average monthly cost of liability coverage in Salt Lake City is $101 per month, while full coverage costs an average of $159 per month.
Salt Lake City ranks 94th out of 200 of the nation’s most populated cities, and drivers there average 9.16 years between accidents, according to Allstate’s 2025 America’s Best Drivers Report.
The Cheapest Car Insurance Companies in Salt Lake City, Utah
Finding affordable car insurance in Salt Lake City is easy if you know where to look. Rates vary widely by insurer, but some companies consistently offer lower prices for SLC drivers.
The table below lists the cheapest car insurance companies in Salt Lake City, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| USAA | $63 |
| Auto-Owners | $77 |
| National General | $82 |
| State Farm | $85 |
| GEICO | $91 |
| Sun Coast | $98 |
| The General | $98 |
| American Family | $107 |
| Root | $110 |
| Allstate | $116 |
| Clearcover | $119 |
| Freedom National | $123 |
| Direct Auto | $125 |
| Nationwide | $127 |
| Safeco | $132 |
| Bristol West | $135 |
| Dairyland | $137 |
| GAINSCO | $144 |
| Farmers | $150 |
| Liberty Mutual | $192 |
| State Auto | $196 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, March 31 at 5:00 PM PDT.
Cheapest Car Insurance in Salt Lake City by Driver and Coverage Type
Car insurance premiums in Salt Lake City can vary significantly based on factors like your age, driving record, credit history, and the coverage you choose. Understanding costs for drivers with a similar profile to yours can help you set realistic expectations and find the best deal.
The table below shows the cheapest car insurance companies and their average premiums in Salt Lake City by driver and coverage type, according to Compare.com data.
Driver or Policy Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | USAA | $63 |
| Full coverage | USAA | $100 |
| Teens | USAA | $121 |
| Seniors | USAA | $50 |
| Recent speeding ticket | USAA | $79 |
| Recent at-fault accident | USAA | $84 |
| DUI conviction | USAA | $98 |
| Excellent credit | USAA | $56 |
| Poor credit | USAA | $77 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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State-minimum coverage is the most basic car insurance you can get to drive legally. It includes liability coverage for injuries and property damage you cause to others but doesn’t cover your own vehicle or injuries in an accident. Drivers with older cars or people who want the most affordable option should consider minimum coverage.
In Salt Lake City, the average rate for minimum-coverage auto insurance is $101 per month.
Check out the chart below for the cheapest companies for state-minimum coverage, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumUSAA $63 Auto-Owners $77 National General $82 State Farm $85 GEICO $91 Sun Coast $98 The General $98 American Family $107 Root $110 Allstate $116 Clearcover $119 Freedom National $123 Direct Auto $125 Nationwide $127 Safeco $132 Bristol West $135 Dairyland $137 GAINSCO $144 Farmers $150 Liberty Mutual $192 State Auto $196 Full-coverage car insurance offers protection not only for others but also for you. It includes liability, plus comprehensive and collision coverage to cover your damages in an accident.
Full coverage is ideal for drivers with newer or financed vehicles. Drivers who want more financial protection after an accident, theft, or natural disaster should also consider full coverage. The average monthly cost for full-coverage insurance in Salt Lake City is $159.
In the chart below, we highlight the companies offering the most affordable full-coverage car insurance in Salt Lake City, according to our data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumUSAA $100 Auto-Owners $121 State Farm $132 Sun Coast $135 GEICO $143 Root $158 Safeco $164 American Family $169 Clearcover $173 National General $181 Allstate $182 Direct Auto $193 The General $195 Nationwide $198 Liberty Mutual $212 Freedom National $219 Bristol West $232 Farmers $235 GAINSCO $250 Dairyland $252 State Auto $309 Teen drivers pay some of the most expensive auto insurance rates. Teens lack driving experience and are more likely to cause an accident, speed, and drive while distracted. Teens aged 16 to 19 are almost three times as likely to get into a fatal crash as older drivers.[2]
Salt Lake City teens pay an average of $254 per month for car insurance. But having a young driver on your policy doesn’t automatically mean you have to pay sky-high rates.
Check out the chart below for SLC’s cheapest car insurance options for teen drivers, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumUSAA $121 Auto-Owners $160 GEICO $169 State Farm $171 National General $172 The General $179 Sun Coast $191 Root $197 Clearcover $204 American Family $210 Allstate $238 Freedom National $240 Dairyland $244 Direct Auto $249 Bristol West $250 Nationwide $257 GAINSCO $273 Safeco $275 Farmers $309 Liberty Mutual $352 State Auto $491 Seniors often enjoy some of the lowest car insurance premiums. Older drivers typically have more driving experience and a lower risk of accidents, so they pay less for coverage.
In Salt Lake City, senior drivers pay an average of $109 per month for auto insurance. But with the right insurer, seniors can often find even lower rates.
The chart below shows the cheapest insurers for seniors in Salt Lake City, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumUSAA $50 Auto-Owners $60 National General $63 State Farm $66 GEICO $71 The General $81 Sun Coast $82 American Family $84 Root $90 Allstate $93 Nationwide $95 Direct Auto $99 Freedom National $103 Clearcover $103 Bristol West $110 Safeco $114 Dairyland $114 Farmers $117 GAINSCO $120 State Auto $146 Liberty Mutual $158 Traffic violations like speeding tickets can increase your car insurance rates. Insurers view these violations as a sign of risky driving behavior, and even a single ticket can stick with you for a while.
That average car insurance cost for Salt Lake City drivers with a recent ticket is $151 per month. But you might be able to save money by switching to a more ticket-friendly company.
The chart below lists the cheapest insurers for SLC drivers with a recent ticket, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumUSAA $79 Auto-Owners $97 National General $98 State Farm $104 Sun Coast $114 GEICO $115 The General $127 American Family $134 Root $142 Freedom National $143 Allstate $146 Clearcover $149 Direct Auto $151 Nationwide $159 Bristol West $164 Dairyland $165 GAINSCO $165 Safeco $168 Farmers $186 Liberty Mutual $236 State Auto $252 Causing an accident can lead to a big jump in your auto insurance premiums. Insurers typically consider an at-fault accident to be a higher risk than a ticket, which means higher rates for the next three to five years.
In Salt Lake City, drivers with a recent accident pay an average of $84 per month for car insurance. But you might find cheaper coverage by switching to a company that offers better rates for drivers with a recent accident on their record.
Take a look at the chart below for SLC’s cheapest insurers for drivers with a recent accident, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumUSAA $84 Auto-Owners $101 National General $109 State Farm $112 GEICO $118 Sun Coast $129 The General $134 American Family $143 Root $147 Allstate $155 Freedom National $162 Direct Auto $170 Nationwide $170 Clearcover $173 Bristol West $177 Dairyland $181 GAINSCO $184 Safeco $184 Farmers $199 Liberty Mutual $254 State Auto $267 A driving under the influence (DUI) conviction is one of the most serious traffic violations. Insurers will almost always substantially increase your rates after a DUI.
The average monthly rate for drivers with a DUI conviction in Salt Lake City is $98. That said, some insurers specialize in covering high-risk drivers and may offer better rates.
We break down the most affordable insurance companies for drivers with a DUI in the chart below, according to Compare.com data.
The below rates in Salt Lake City, UT, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumUSAA $98 Auto-Owners $119 National General $127 State Farm $132 GEICO $139 The General $152 Sun Coast $158 American Family $166 Root $171 Allstate $180 Clearcover $184 Direct Auto $194 Nationwide $197 Freedom National $198 Bristol West $209 Dairyland $212 Safeco $216 GAINSCO $223 Farmers $232 State Auto $285 Liberty Mutual $297
Our Picks for the Best Auto Insurance in Salt Lake City
There’s no single best car insurance company that works for everyone. Your ideal insurer depends on your driving record, your ZIP code, the car you drive, and your coverage needs.
To help you find the right company for you, we picked some of Salt Lake City’s best auto insurers. We chose these companies based on a mix of average rates in Utah, available coverages and discounts, and customer ratings and reviews.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 666 |
|---|
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
666NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
AAA has the highest rating for customer satisfaction in the Southwest region, according to J.D. Power’s 2025 U.S. Auto Insurance Study. If you’re a member of AAA, it may be worth getting a quote, as you’ll receive a 5% discount on car and home insurance policies through AAA insurance agencies.
AAA also offers a multi-policy discount for bundling your home and auto policies, plus teen driver and good student discounts. AAA also offers 24/7 roadside assistance and DMV services at AAA branches.
Pros
Membership perks for AAA members
24/7 roadside assistance available
Offers DMV services at AAA branches
Cons
Few discounts available
Below-average digital service rating[3]
One local agent in Salt Lake City
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 618 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $198/mo |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Verified Review
Reviewed in Missouri on May 26, 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Though Nationwide’s average rates are higher than some companies, it stands out for its safe driver discounts, optional coverages, and highly rated telematics program. Nationwide also offers pay-per-mile insurance through its SmartMiles program, ideal for low-mileage drivers.
Nationwide’s mobile app earned the top spot for customer satisfaction in the J.D. Power 2025 U.S. Insurance Digital Experience Study. That said, it ranked below average in the digital shopping category.
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
4.4
Best choiceBased on 753 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 318 State Farm reviews
Verified Review
Reviewed in Ohio on April 1, 2026
They raised my rate by $38.00 a month with no explanation. I'm looking for new insurance!
Verified Review
Reviewed in Illinois on March 19, 2026
Very good, but prices are going up.
Verified Review
Reviewed in New York on March 16, 2026
They are very friendly and helpful. They offer the cheapest price I've found.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you prefer a local agent who understands the needs of Salt Lake City drivers, consider getting a quote from State Farm. It has 10 insurance agencies available throughout SLC to help you customize your coverage to your unique needs.
State Farm offers rideshare coverage, making it a good choice if you drive full-time or on the side. It also offers the Drive Safe & Save telematics program, which can save you money for safe driving.
Pros
Affordable rates
Local agents available for personalized service
Rideshare coverage available
Cons
Some discounts not available in Utah
Fewer policy customization options
Gap insurance not available
Find the Best Company for You
Local rates start as low as $63 per month.
Excellent
4.6 out of 5 based on 592 reviews
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Utah Auto Insurance Requirements
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Utah drivers must have car insurance to legally drive in the Beehive State. The minimum coverage requirements include:
$30,000 per person and $65,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
$3,000 per person of personal injury protection (PIP)[7]
Insurers must also offer uninsured motorist coverage, but you can decline it in writing. Utah has one of the lowest rates of uninsured motorists in the country, at 6.2% of drivers.[8] But waiving coverage would mean paying out of pocket if someone hits your car and doesn’t have liability insurance or if you’re a victim of a hit-and-run accident.
Is minimum coverage enough in Salt Lake City?
Although state-minimum coverage limits can usually cover minor accidents, they may not be enough for serious injuries or property damage. That’s why most experts recommend buying higher liability limits to protect your finances. If you hit your coverage limits, you’d have to pay any remaining amount out of pocket.
If you finance or lease your car, your lender typically requires you to have full coverage. You can also consider optional coverages, like gap insurance, roadside assistance, and rental reimbursement.
Salt Lake City Auto Insurance FAQs
Below, we answered some common questions from drivers about car insurance in Salt Lake City, Utah.
How much is car insurance in Salt Lake City?
Car insurance in Salt Lake City costs an average of $130 per month, according to Compare.com data. Rates average $101 per month for liability-only coverage, while full coverage averages $159.
What’s the cheapest auto insurance company in Salt Lake City?
The cheapest auto insurance company in Salt Lake City is USAA, according to Compare.com data. The company’s rates start at $63 per month.
Is car insurance in Salt Lake City expensive?
It depends. Insurers use many factors to determine car insurance premiums, including your age, driving record, ZIP code, and vehicle type. Salt Lake City drivers pay an average of $130 per month for car insurance, according to Compare.com data. For context, the national average for auto coverage is $136 per month.
Why is Utah car insurance so expensive?
Utah car insurance is actually cheaper than the national average, according to Compare.com data. The average cost of auto insurance in Utah is $116 per month, while the national average rate is $136.
Sources
- CrimeGrade.org. "Salt Lake City, UT Vehicle Theft Rates and Vehicle Theft Maps."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- J.D. Power. "2025 U.S. Insurance Digital Experience Study."
- Trustpilot. "Nationwide Reviews."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
- Utah State Legislature. "Motor vehicle liability policy minimum limits.."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Mandy SleightInsurance Writer
Matthew GrossEditor