Salt Lake City Car Insurance

The Zebra
May 30, 2018

Car Insurance in Salt Lake City

Salt Lake City premiums are $232 higher than the state average, which is why the city is known for its pricey premiums. Keep some money in your pocket by following the tips below about how to save on car insurance in Salt Lake City.

  • City Average: $1,344
  • State Average: $1,112
  • National Average: $1,427

Salt Lake City Car Insurance by Age

Teenage drivers have the most expensive rates of any age group, with typical car insurance payments of $5,811. Drivers in Salt Lake City see the most significant fall in premiums when they hit their 20s, as they save an average of 67% from moving out of the teenage age range. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Among all age groups, drivers in their 50s have the lowest payments, with rates of $1,222/year. Those in their 60s ($1,266) aren’t paying much more.

  • Teenagers: $5,811
  • 20s: $1,902
  • 30s: $1,325
  • 40s: $1,302
  • 50s: $1,222
  • 60s: $1,266
  • 70s: $1,570

Salt Lake City Car Insurance by Credit Rating

The difference between average car insurance premiums in Salt Lake City for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,635/year. Moving from Very Good (740-799) to Exceptional (800-850) creates the most significant percent decrease in premiums, as drivers save close to 21% per year.

  • Very Poor: $2,763
  • Fair: $2,211
  • Good: $1,753
  • Very Good: $1,423
  • Exceptional: $1,128

Salt Lake City Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of car insurance premiums. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In Salt Lake City, individuals who are found at-fault in an accident spend $603 more per year to insure their vehicle. In Salt Lake City, drivers with a DUI need to spend $555 more than the city average to insure their vehicle. Reckless driving will also bump your premiums up, with typical rates of $1,803, which are 34% higher than the city average.

  • DUI: $1,899
  • Reckless Driving: $1,803
  • At-fault Accident (damages less than $1000): $1,947
  • At-fault Accident (damages greater than $2000): $1,947
  • Speeding Ticket (16-20 mph over speed limit): $1,578

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Salt Lake City Car Insurance by Gender and Marital Status

There are a variety of factors, including gender and marital status, that play a part in car insurance premiums in Salt Lake City. $67 is the amount by which men's and women's car insurance premiums deviate. Being single can cost you around 6% more per year compared to being married. Rates for those who are widowed are a hair cheaper than rates for those who are single.

  • Female: $1,411
  • Male: $1,344
  • Single: $1,344
  • Married: $1,270
  • Divorced: $1,344
  • Widowed: $1,339