Best Auto Insurance Rates in Salt Lake City, Utah

On average, your neighbors pay $64 a month.

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Compare Auto Insurance Quotes in Salt Lake City, UT

Ironically, Salt Lake City, Utah is home of the world’s first Kentucky Fried Chicken. Salt Lake City has been rated one of the nicest cities in America for three years running, and Women’s Health Magazine named it the healthiest city in America for a woman to live. Because it’s such a wonderful place, Salt Lakers deserve cheap car insurance rates.

Average Salt Lake City Car Insurance Rates

How much is car insurance in Salt Lake City, UT? Average car insurance rates here are higher than both the state and national averages. Thanks to high accident frequency, a vehicle theft rate well above the national average, and an extremely large percentage of uninsured drivers, residents of Salt Lake City have seen the cost of insurance premiums increase by a lot in recent years. Prices may vary depending on a number of factors in your zip code.

The average cost of auto insurance in Utah is $766.27 per year. The national annual average cost is $866.31. But you can be sure that rates here are much higher than the state average.

Utah Average Car Annual Insurance Rates
Coverage Rates
Liability $486.87
Collision $256.23
Comprehensive $109.56
Total Cost Per Year $766.27
Price Per Month $63.85

Salt Lake City Car Insurance Quotes

QuoteWizard helps Salt Lake City residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Salt lake City, Utah and save up to 40% on your premium.

Last year, 10,064 people used QuoteWizard to compare auto insurance quotes in Salt Lake City, UT from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Salt Lake City

These are the most common car makes and models owned by Salt Lake City drivers requesting quotes through QuoteWizard last year.

  1. Ford F-150
  2. Honda Accord EX/LX
  3. Ford Explorer
  4. Chevrolet Cavalier
  5. Ford Taurus SE
  6. Hyundai Sonata
  7. Chevrolet Blazer
  8. Toyota Camry LE/XLE/SE
  9. Jeep Grand Cherokee Laredo
  10. Chevrolet Durango
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Lake City

These were the most common car insurance companies reported by QuoteWizard users living in Salt Lake City, UT last year. Of the 10,064 people in Salt Lake City that used QuoteWizard last year, 401 were not insured.

Salt Lake City Drivers

Salt Lake City, UT was ranked 58th out of 200 cities in Allstate’s annual “Best and Worst Cities for Drivers” report. Most US drivers go ten years between accidents. However, drivers here are involved in one every 9.6 years.

Salt Lake City drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Three factors that can have a major impact on car insurance rates are: weather, road conditions, and traffic congestion.

Weather

Salt Lake City has what's called a semi-arid climate. Summers are hot and dry, while winters are cold and snowy. From May through September, almost every day is above 70 degrees. However, December through February, most days will have a low temperature at or below freezing. What’s more, Salt Lake City averages about 35 inches of snow per year, meaning that winter can be quite snowy.

Road Conditions

The condition of Salt Lake City roads often deteriorates following rain or snow with potholes and ruts appearing all over the city. City maintenance crews here do their best to repair them to make the streets safe, but they can only fix so many per day. We advise everyone to drive a little more safely than usual after significant precipitation because that puddle in your path could be hiding a pothole. TRIP reports that 29% of the roads in Salt Lake City are in poor condition and another 37% are rated as mediocre. According to Trip, the condition of roads costs drivers $640 a year in extra vehicle operating costs, on average.

Traffic Congestion

Salt Lake City has less traffic congestion than many other cities its size. Nevertheless, traffic could definitely be reduced. According to traffic data from TomTom, Salt Lake City was ranked 53rd for traffic congestion. On average, drivers spent 14% more time in traffic than average, and evening commutes tend to be more congested than that.

Traffic data provider Inrix ranks Salt Lake City 51st for worst traffic congestion in the US. Their data shows that area commuters spent an extra 26,925 hours delayed in traffic annually. Area commuters also spent a total of $779 million in extra congestion costs.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, you'll be forced to get auto insurance for bad drivers, also known as high risk insurance.

Traffic Tickets

The City of Salt Lake City Traffic Citation website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

Salt Lake City Police Traffic Section wrote 7,759 tickets for traffic citations in 2014, not including parking tickets.

SR-22 DUI Insurance

If you've been convicted of a DUI and need to obtain an SR-22 form, get a quote and compare rates from top insurance companies that specialize in Salt Lake City DUI insurance.

Traffic Fatalities

In 2013, there were 12 fatalities from car crashes in Salt Lake. Of these, four were pedestrians. All traffic deaths are a tragic loss, but considering Salt Lake City’s estimated population of 193,744 this is a relatively safe city in terms of traffic fatalities. The rate of traffic fatalities is 2.09 per 100,000 people, much lower than the average rate for the US overall, which is 15.42 per 100,000 people.

Vehicle Theft Rates

Salt Lake City reported 2,228 vehicle thefts in 2016. This is a rate of 11.56 per 1,000 residents, far above the national rate of 2.20 stolen cars per 1,000 people.

Legal Minimum Auto Insurance Requirements

Salt Lake City, Utah has a minimum coverage requirement known as the 25/65/15 rule. This means each insurance policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $65,000.
    The total your insurance carrier will pay for everyone injured in a single car accident.
  • Property Damage Liability (PDL): $15,000.
    The maximum your insurer will pay for property damage from a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Salt Lake City, UT. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  4. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  7. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  8. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  9. Take a  defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Salt Lake City auto insurance quotes to discover all the discounts you've been missing out on

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