How much does car insurance cost in Salt Lake City?
Car insurance coverage costs an average of $1,531 each year in Salt Lake City. That's more expensive than the average in Utah ($1,306) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Salt Lake City.
AUTO INSURANCE COSTS: SALT LAKE CITY VS. STATE AND US AVERAGES
|Salt Lake City Average (annual)||Utah Average||U.S. Average|
Get personalized quotes:
Salt Lake City auto insurance premiums by provider
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
|Insurer||Average Rate (annual)|
|Iowa Farm Bureau||$1,330|
Salt Lake City car insurance premiums by age
The age group that pays the least for car insurance in Salt Lake City are drivers in their age_50s ($1,444per year). Drivers in their age_60s pay marginally higher rates — $1,489 per year.
The Salt Lake City drivers who face the priciest insurance rates are teenagers. When Salt Lake City drivers hit their 20s, their insurance rates drop substantially. The 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||Average Yearly Rate|
Salt Lake City auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Salt Lake City pay $105 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Salt Lake City, widowed drivers pay less than those who are single.
Gender is another factor that can impact auto insurance costs. In Salt Lake City, female drivers pay more for auto insurance than do male drivers: $81 per year, to be precise.
INSURANCE RATES IN SALT LAKE CITY BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Salt Lake City auto insurance costs by citation and accident history
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 $666 per year, compared to the citywide average. A DUI violation may lead to a $496 increase, while a citation for speeding leads to a $232 rate hike.
AVERAGE SALT LAKE CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,034|
|At-fault Accident (damages greater than $2,000)||$2,113|
|Speeding Ticket (16-20 mph over speed limit)||$1,762|
Salt Lake City car insurance premiums by credit tier
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 $1,443 in savings on insurance premiums each year.
SALT LAKE CITY AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Annual Rate|