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JodiJacobson/Getty Images April 12, 2022 Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. When it comes to car insurance, drivers in Salt Lake City can expect to pay an 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. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More 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 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 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 . Insurance company Bankrate Score
(Southwest region) Average annual premium for full coverage Average annual premium for minimum coverage 5.0 863/1,000 $915 $332 4.7 829/1,000 $973 $356 4.0 822/1,000 $1,589 $680 4.7 847/1,000 $1,823 $842 4.3 850/1,000 $1,879 $1,017

USAA

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:

Geico

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:

Allstate

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:

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:

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:

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

What is the best car insurance company

The depends on your personal insurance needs. For example, the best carrier for you might be the one with the best coverage options, but for another driver, the best provider is the company with the cheapest rates. To find the best carrier for you, take some time to shop around and compare providers using your unique criteria.

How much car insurance do I need in Salt Lake City

Drivers in Salt Lake City are legally required to carry at least . In addition, drivers must purchase a minimum of $3,000 of personal injury protection (PIP) to meet the state’s no-fault insurance laws. However, insurance agents usually recommend getting more coverage than the minimum amount for increased protection in the event of an at-fault accident.

How can I lower my car insurance rates in Salt Lake City

The average cost of car insurance in Salt Lake City is more expensive than the statewide average premium for Utah. But drivers who live in the Capital city might be able to lower their car insurance rates by taking advantage of carrier discounts, improving their credit score, paying their annual premium in full and maintaining a clean driving record.

Methodology

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 , , , 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. SHARE: Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

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