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Salt Lake City Car Insurance
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$2,540
Average Salt Lake City Annual CostAbove U.S Average👍Great contender for Protect.com savings$212
Average Salt Lake City Monthly CostNo-fault
Utah Fault Type$904
Utah Min. Coverage
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What are the best car insurance companies in Salt Lake City?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between affordable pricing, coverage types, and the provider's reputation. We prioritize providers known for exceptional customer service in the Salt Lake City area, ensuring you're not just getting a good rate, but reliable support when it matters most. Local agents can provide personalized guidance for navigating Utah's unique insurance requirements, including no-fault coverage.
Compare quotes today to see which Salt Lake City providers are best for your car and wallet.
Compare and Save in Salt Lake City!
Salt Lake City drivers have access to all major national insurance providers, plus several regional carriers that specialize in Utah's unique driving conditions. Whether you're commuting through downtown, or taking a Sunday drive, finding the right coverage at the best price is essential.
Frequently Asked Questions
What is the minimum auto insurance required in Salt Lake City?
Utah requires minimum liability coverage of 25/65/15 + $3k PIP. This means coverage for bodily injury and property damage as required by state law.
How much does auto insurance cost in Salt Lake City?
The average annual cost of auto insurance in Salt Lake City is $1,825, or about $152 per month for full coverage. Rates vary based on your driving record, age, vehicle, and coverage levels.
Is Utah a fault or no-fault state?
Utah is a No-fault state. This affects how insurance claims are handled after an accident.
What factors affect my insurance rates in Salt Lake City?
Insurance rates in Salt Lake City are influenced by your driving record, age, vehicle type, credit score, ZIP code, coverage levels, and available discounts. Local factors like traffic density, crime rates, and weather patterns also play a role.
How often should I shop for auto insurance in Salt Lake City?
It's recommended to compare auto insurance rates annually or whenever you have a major life change (moving, new car, marriage, etc.). Shopping around ensures you're getting the best available rates in Salt Lake City.
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Methodology & Disclosures
Coverage requirements are sourced from https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-utah, Forbes Advisor, MoneyGeek, and CarInsurance.com. Last reviewed [August 2026]. Rates vary by geographic region, number of drivers and vehicles, driving record, credit (where permitted), and other factors; the averages shown are statewide figures, not personalized quotes.