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Cheap Car Insurance in Salt Lake City, Utah

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Salt Lake City is one of the most historically significant cities in the country. Known as the gateway to Utah and the “Crossroads of the West,” Salt Lake City offers an eclectic mix of nature, historical and entertainment venues.

Catch Little Cottonwood and Big Cottonwood for its breathtaking ski resorts or head down to Salt Lake City’s bustling downtown for its art gallery hops, live music, and a complete arts and culture scene.

All Salt Lake City drivers, however, are expected to carry car insurance. Keep reading to learn the answers to all of your questions regarding car insurance in Salt Lake City.

Quick Facts

  • The average monthly cost of full coverage car insurance in Salt Lake City is $152.
  • There were eight fatal crashes in Salt Lake City, Utah in 2020.

How Much Does Car Insurance Cost in Salt Lake City?

Salt Lake City drivers pay an average of $152 a month for full coverage, which is more expensive than the average monthly cost of full coverage car insurance in Utah at $98. State-required minimum liability car insurance in Salt Lake City costs $61 per month, quite a bit more than the monthly average for the state of Utah at $27. In comparison, the national average per month is $47 for liability and $161 for full coverage.

Even though the vast majority of people who live in Utah reside in an urban area, most of the state remains rural. This is one explanation for why there is a fairly large discrepancy between car insurance costs in Salt Lake City and Utah as a whole.

Here is a breakdown of the average monthly car insurance cost across some Utah cities.

City Full Coverage Insurance Liability Insurance Coverage
Salt Lake City $152 $61
Ogden $131 $55
Provo $132 $54
Saint George $115 $48
Sandy $133 $57

Salt Lake City Affordable Car Insurance Rates by Zip Code

Zip codes are important in determining car insurance premiums. For example, one area could have double the monthly average rate as a neighboring area due to increased crime rates, thefts, vandalism, and other factors.

Here is a breakdown of the average monthly car insurance prices by zip code in Salt Lake City, Utah.

Zip Code Full Coverage Insurance Liability Insurance Coverage
84101 $152 $61
84102 $133 $55
84103 $140 $56
84104 $155 $63
84105 $137 $56
84106 $139 $58
84107 $145 $61
84108 $133 $53
84109 $141 $56
84110 $159 $64
84111 $144 $57
84112 $142 $56
84113 $136 $55
84114 $137 $57
84115 $147 $60
84116 $153 $62
84117 $143 $60
84118 $148 $63
84121 $144 $59
84123 $144 $61
84129 $148 $62
84143 $159 $64

Low-Cost Salt Lake City Car Insurance Rates by Age

In addition to zip code, your age is a major deciding factor when determining how much you pay for car insurance. Because of a collective group tendency of getting into more wrecks and filing more claims, younger age groups in Salt Lake City, Utah pay significantly higher average monthly rates than drivers in their 40s, 50s, and 60s.

Here is a breakdown of the average monthly car insurance prices by age in Salt Lake City, Utah.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $790 $334
20s $241 $97
30s $156 $63
40s $151 $61
50s $142 $58
60s $146 $61
70s $154 $67

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Salt Lake City, Utah

How Many Fatal Accidents Happen in Salt Lake City?

There were eight fatal crashes in Salt Lake City, Utah in 2020. Three were alcohol related and one involved a pedestrian.

How Are the Road Infrastructure and Bridges in Salt Lake City?

Utah received a C+ on its 2020 Infrastructure Report Card, which isn’t bad compared to some other states. Bridges and roads both received a B+, while the graders (American Society of Civil Engineers) noted that funding increased from $1.2 billion in 2017 to $1.7 billion in 2020 to keep roadways that handle extensive freight traffic up to par.

Leaders were also praised for keeping up with the times with a 2020 Road Usage Charge for electric and hybrid vehicle owners, as well as a small gas tax increase. At the same time, the ASCE expressed concern over Utah’s bridge system, with many bridges over 100 years old.

Get a Quote for Car Insurance in Utah Today!

Minimum Car Insurance Requirements in Salt Lake City

Going for higher coverage limits than state-required insurance is highly recommended. Utah is a no-fault state, which means your car insurance will pay for your injuries and damages up to policy limits, no matter who is at fault in a wreck. No-fault states like Utah typically require a medical addition (PIP) to state-required car insurance that kicks in to pay for your injuries before your bodily injury coverage.

Minimum car insurance requirements for Utah drivers are as follows:

  • $25,000 for bodily injury per person
  • $65,000 for bodily injury per accident
  • $15,000 in property damage per accident for property
  • $3,000 for Personal Injury Protection (PIP)

If your injuries and damages cost more than your policy limits, you will be responsible for those bills out of pocket. This is why, if you can afford it, you should consider purchasing more coverage than the state-required minimum. One way to reduce your premium is to ask for a higher deductible.

What Are the Penalties for Driving Without Insurance in Salt Lake City?

All drivers caught driving without insurance in Utah will be charged with a misdemeanor, along with various fines, reinstatement fees, and court surcharges, amounts of which vary depending on whether it is a first offense or subsequent offense.

First-time offenders can expect to pay a $400 fine and may have their registration suspended. Second and subsequent offenses will result in a $1,000 fine. Reinstating your registration costs $100 and the owner must prove they have the required car insurance.

Remember, your auto insurance agency is required by law to inform the state in real time when a car insurance policy is canceled or lapses.

Factors Allowed in Salt Lake City Car Insurance Rates

Salt Lake City drivers deserve to know how their insurance carrier determines their monthly premiums. Here are some factors the state of Utah considers when calculating your rates:

  • Driving record
  • Age
  • Gender
  • Zip code
  • Make and model of vehicle
  • Marital status

Discounts for Car Insurance in Salt Lake City

Discounts you might be eligible for are based on your specific driving behaviors and life circumstances. Here are some standard discounts awarded to accounts in good standing.

  • Green icon of a military man

    Military discount

  • Blue icon of a blue car

    Good driver discount

  • Pink icon of a thief

    Anti-theft discount

  • Blue icon of a graduation cap

    Student discount

  • Icon money

    Loyalty discount

  • Orange icon of a document with a checklist

    Bundling discount

A simple phone call to your insurance company every six months could cut 10% off of your bill. However, as circumstances change, it is imperative to reassess your eligibility for any discount.

Get an Online Quote for Low-Cost Car Insurance in Salt Lake City Today!

Salt Lake City skyline
Now that you have a good idea about affordable car insurance in Salt Lake City and some of the more important driving laws, Freeway Insurance is ready to help you evaluate your coverage needs.

Contact Freeway by requesting a quote online, visiting us at one of our Salt Lake City offices, or pick up the phone and call (800) 777-5620 for a free quote by one of our agents today!