Who Has the Best Car Insurance Rates in Salt Lake City?

Who Has the Best Car Insurance Rates in Salt Lake City?

Find Cheap Auto Insurance Quotes in Your Area

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Salt Lake City is the capital of Utah, home to the University of Utah and the headquarters of the Mormon church. With a population of nearly 200,000 people, Salt Lake City is also the largest city in the state. In our study of the best car insurance rates in Salt Lake City, we found that drivers can expect to pay $990 a year on average. When comparing individual insurers, Geico was the clear winner, with quotes consistently hundreds of dollars cheaper per year than other companies. Read on for our picks of the best insurers in Salt Lake City and a neighborhood-by-neighborhood breakdown.

Cheapest Car insurance Companies in Salt Lake City, Utah

We collected auto insurance quotes from seven top insurers in eight Salt Lake City neighborhoods to get an understanding of which company had the best prices for drivers around the city. Geico consistently provided the best rates; going with Geico over even the second-cheapest option, State Farm, would save our sample driver an average of $300 in the neighborhoods we tested.

Chart of the Five Cheapest Auto Insurance Companies in Salt Lake City

Find Cheap Auto Insurance Quotes in Your Area

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We found a substantial range in auto insurance costs for Salt Lake City drivers, with the most expensive provider, MetLife, charging more than three times as much as the cheapest, Geico. This underlines the importance of comparing multiple quotes, as you might be able to save a lot of money when buying auto insurance. Aside from these two outliers, though, costs were much more even. The second-most expensive insurance policy was only 32% more expensive than the second-cheapest.

Rank
Auto insurance company
Average annual rate
1Geico$421.50
2State Farm$721.50
3American Family$901.50
4Cal Casualty$993.00
5 (tie)Nationwide$1,072.50
5 (tie)Allstate$1,072.50
7MetLife$1,384.50
Salt Lake City Average$990.00
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Average Cost of Car Insurance in Salt Lake City by Neighborhood

We looked at the cost of car insurance in eight neighborhoods in Salt Lake City in order to develop a comprehensive map of what residents can expect to pay. We did not find a significant discrepancy across neighborhoods. The most expensive neighborhood we sampled, Poplar Grove, is only 32% more expensive, on average, than the cheapest (Rose Park). Furthermore, when considering the most affordable auto insurance company (Geico), Poplar Grove is only 22% more expensive than the neighborhood with the best overall price, Sugar House.

Rank
Neighborhood
Average annual rate
1Rose Park$860
2Federal Heights$980
3Foothill$982
49th and 9th$992
5Sugar House$1,010
6Central City$1,016
7Downtown$1,026
8Poplar Grove$1,054
Salt Lake City average:$990
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Best Auto Insurance Companies in Salt Lake City

Our top recommendation for car insurance in Salt Lake City is Geico. Its competition simply could not compete on price; even the second-cheapest option, State Farm, charged our sample driver 71% more for auto insurance coverage.

Auto insurance company
Best for:
GeicoLow cost
State FarmCustomer service
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If you value strong customer service more than the absolute lowest price, or you find that Geico is not providing you with an affordable rate, we recommend State Farm. Its customer service is well-known, and the company came in second place in our price comparison study.

Auto Insurance Agents in Salt Lake City

Neighborhood
Insurer or agent
Address
Rose ParkOlga Serrato – State Farm Insurance Agent1614 W 700 N b, Salt Lake City, UT 84116
Latino Insurance Services Inc.1285 W 500 N Suite E, Salt Lake City, UT 84116
Beehive Insurance730 N 1500 W, Salt Lake City, UT 84101
Amigos Insurance1013 N 900 W Salt Lake City, UT 84116
Farmers Insurance1013 N 900 W, Salt Lake City, UT 84116
Federal HeightsBekka Carlson – State Farm Insurance Agent655 E 400 S #200, Salt Lake City, UT 84102
Farmers Insurance – Lane Barrett323 S 600 E #170, Salt Lake City, UT 84102
Allstate Insurance Agent: John C. Thomas231 S 1300 E, Salt Lake City, UT 84102
Hamilton Insurance Associates699 E S Temple # 210, Salt Lake City, UT 84102
David Miller Insurance Agency525 E 100 S #200, Salt Lake City, UT 84102
FoothillShane C Pinneo Insurance Agency1332 S 2100 E, Salt Lake City, UT 84108
AAA Salt Lake City Foothill1400 S Foothill Dr, Ste 154, Salt Lake City, UT 84108
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Minimum Auto Insurance Requirements in Salt Lake City, Utah

Car insurance is required to legally drive a car in the state of Utah, and you'll need insurance in order to register your car with the state.

Utah required car insurance coverage

Minimum limits

Bodily injury (BI) liability

$25,000 per person / $65,000 per accident

Property damage (PD) liability

$15,000 per accident

Personal injury protection (PIP)

$3,000 per person
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Methodology

The sample quotes we obtained were for a 30-year-old single man in Salt Lake City driving a Toyota Camry that he owns. His credit is excellent and he has opted for basic coverage by Utah state standards. In a typical year, our driver drives between 10,000 and 15,000 miles in his vehicle, which he uses to commute to and from work. Our driver has zero accidents or traffic incidents of record in the past five years. The companies we looked at were: Geico, State Farm, Nationwide, Liberty Mutual, MetLife, American Family, Allstate and California Casualty. Surveyed auto insurance costs in Salt Lake City are for illustrative purposes only, and actual quotes will vary based on your physical residence, driving history and other factors.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.