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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in Salt Lake City?

Car insurance coverage costs an average of $765 every six months in Salt Lake City. That's more expensive than the six-month average in Utah ($653) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on your age, credit score, and other factors in Salt Lake City.

Car insurance in Salt Lake City vs. Utah Avg. 6 Mo. Premium
Salt Lake City average $765
Utah average $653

The Zebra's key takeaways about car insurance in Salt Lake City:

  • The average cost of a car insurance policy in Salt Lake City is $765 per six-month policy — $127 per month.
  • The cheapest company in Salt Lake City is Bear River ($333).
  • 39% of Zebra customers in Salt Lake City stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Salt Lake City auto insurance premiums by company

The difference in auto insurance rates from company to company can be substantial. In Salt Lake City, Bear River provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Salt Lake City below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Salt Lake City car insurance rates by company
Company Average 6 Mo. Premium
Bear River $333
GEICO $596
AAA $644
Iowa Farm Bureau $665
State Farm $809

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Salt Lake City.

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Salt Lake City car insurance premiums by age

Our data tells us that drivers between the ages of 20-29 make up 34% of Salt Lake City drivers. The age group that pays the least for car insurance in Salt Lake City are drivers in their 50s ($722 per six-months). Drivers in their 60s pay marginally higher rates — $744 per six-months.

Teenage drivers pay the most expensive insurance rates in Salt Lake City. When Salt Lake City drivers hit their 20s, their insurance rates drop substantially. The yearly difference in rates paid by teenage drivers and drivers in their 20s in Salt Lake City is $4,032, the largest such difference between any two age groups.

Salt Lake City car insurance premiums by driver age
Age bracket Average 6 Mo. Premium
Teenagers $3,097
20s $1,081
30s $761
40s $751
50s $722
60s $744
70s $942

Salt Lake City car insurance rates by credit score

A driver's credit level can be closely correlated with their auto insurance rates. Salt Lake City drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 63% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Salt Lake City, improving your credit to "Fair" could help you earn $721 in savings on insurance premiums each six-months. Our data tells us 31% of drivers in Salt Lake City have a credit score of good (680-719). 



credit score
Salt Lake City auto insurance rates by credit score
Credit Tier Average 6 Mo. Premium
Very Poor $1,655
Fair $934
Good $765
Very Good $689
Exceptional $605

Salt Lake City auto insurance costs by violation

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Salt Lake City drivers found guilty of reckless driving face insurance rate increases of $333 per six-months, compared to the citywide average. A DUI violation may lead to a $248 increase, while a citation for speeding leads to a $232 rate hike.

Average Salt Lake City insurance rates after a violation or accident
Incident Average 6 Mo. Premium
DWI/DUI $1,013
Reckless Driving $1,098
At-fault Accident (damages less than $1,000) $1,017
At-fault Accident (damages greater than $2,000) $1,056
Speeding Ticket (16-20 mph over speed limit) $881

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.