For a 40-year-old driver with a clean record, Salt Lake City car insurance averages about $261 a month ($3,136 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% above the Utah average of $242 a month. GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the insurers we rank, at about $181 and $186 a month.
Salt Lake City costs more than most of Utah for our benchmark driver: about $19 a month more than the Utah average. Only two of the 68 Utah cities and towns we price cost more: West Valley City, next door, at $280 a month and Magna at $270.
Our data covers 18 ZIP codes with a Salt Lake City mailing address, which takes in neighboring cities such as Millcreek, Holladay, Murray, Taylorsville and Cottonwood Heights, from about $245 a month in 84108 to $283 in 84104.
Cost data comes from the auto rates insurers file with state regulators, priced across all 18 Salt Lake City ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Salt Lake City, UT?
Full coverage in Salt Lake City averages $3,136 a year, or about $261 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,466 a year ($122 a month), and 50/100/50 liability with comprehensive and collision averages $2,947 ($246 a month).
- Full coverage (100/300/100, $500 deductibles): $3,136 a year ($261 a month)
- 50/100/50 with $500 deductibles: $2,947 a year ($246 a month)
- Liability only (25/70/15): $1,466 a year ($122 a month)
- Salt Lake County: $3,117 a year ($260 a month) for full coverage
- Utah average: $2,908 a year ($242 a month) for full coverage
- ZIP code range: $245 (84108) to $283 (84104) a month for full coverage
Cheap Car Insurance in Salt Lake City: Companies Compared
- Lowest averages among insurers we rank, full coverage: GEICO and Auto-Owners, effectively tied at about $181 and $186 a month.
- Next lowest: Progressive at $200, then Allstate at $283.
- Lowest liability-only average among insurers open to all drivers (25/70/15): Auto-Owners, at about $74 a month, then GEICO at $89.
- Also on our list: USAA at about $130 a month, Nationwide at $143, American Family at $211 and Farm Bureau Financial Services at $298 (USAA sells only to military families).
- Most expensive in our data: State Farm, at about $416 a month, $2,819 a year more than GEICO for the same driver and car.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the six insurers in our Salt Lake City rate data. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA, which sells only to military families. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $74 a month, followed by GEICO at $89.
Full-coverage averages by insurer in Salt Lake City
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,062 | $89 | $2,177 | $181 |
| Auto-Owners | $890 | $74 | $2,226 | $186 |
| Progressive | $1,210 | $101 | $2,398 | $200 |
| Allstate | $1,199 | $100 | $3,398 | $283 |
| Farmers | $1,993 | $166 | $3,624 | $302 |
| State Farm | $2,442 | $204 | $4,996 | $416 |
| USAA (military families)* | $700 | $58 | $1,555 | $130 |
| Nationwide* | $971 | $81 | $1,719 | $143 |
| American Family* | $1,576 | $131 | $2,536 | $211 |
| Farm Bureau Financial Services* | $1,159 | $97 | $3,574 | $298 |
| Salt Lake City average | $1,466 | $122 | $3,136 | $261 |
This table uses Salt Lake City ZIP codes only. See how we calculated these rates.
Salt Lake City Car Insurance Rates by ZIP Code
Across the 18 Salt Lake City ZIP codes we price, full coverage for our driver ranges from about $245 a month in 84108 to $283 in 84104, a gap of $457 a year. ZIP codes on the east bench, such as 84108, 84109 and 84121, are the least expensive Salt Lake City ZIP codes in our data, and west-side ZIP codes such as 84104, 84118 and 84129 the most expensive.
Lowest-priced Salt Lake City ZIP codes
Highest-priced Salt Lake City ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Salt Lake City’s average.
| ZIP Code: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 84101 | $1,463 | $122 | $3,216 | $268 | +3% |
| 84102 | $1,374 | $115 | $3,014 | $251 | -4% |
| 84103 | $1,402 | $117 | $3,081 | $257 | -2% |
| 84104 | $1,592 | $133 | $3,396 | $283 | +8% |
| 84105 | $1,414 | $118 | $3,075 | $256 | -2% |
| 84106 | $1,432 | $119 | $3,050 | $254 | -3% |
| 84107 | $1,526 | $127 | $3,179 | $265 | +2% |
| 84108 | $1,328 | $111 | $2,939 | $245 | -6% |
| 84109 | $1,360 | $113 | $2,964 | $247 | -5% |
| 84111 | $1,418 | $118 | $3,122 | $260 | About average |
| 84115 | $1,483 | $124 | $3,213 | $268 | +3% |
| 84116 | $1,506 | $126 | $3,241 | $270 | +3% |
| 84117 | $1,432 | $119 | $3,038 | $253 | -3% |
| 84118 | $1,630 | $136 | $3,328 | $277 | +6% |
| 84121 | $1,398 | $117 | $2,992 | $249 | -5% |
| 84123 | $1,607 | $134 | $3,300 | $275 | +5% |
| 84124 | $1,416 | $118 | $3,007 | $251 | -4% |
| 84129 | $1,608 | $134 | $3,300 | $275 | +5% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Salt Lake City?
Raising liability limits from 50/100/50 to 100/300/100 adds about $189 a year on average in our Salt Lake City data, with the same $500 deductibles. That’s about $16 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Salt Lake City?
Slightly, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Salt Lake City ZIP codes, their full-coverage average rose from $3,277 a year in rates as of Nov. 30, 2025, to $3,319 as of Aug. 31, 2026, a 1.3% increase. Allstate cut its Salt Lake City average 0.5%, while Farmers raised its average 5.7% and State Farm 0.5%; GEICO’s and Progressive’s averages were unchanged. Auto-Owners is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Salt Lake City average above. Liability-only coverage at 25/70/15 limits rose 2.2%, led by Farmers, which raised its liability-only average 14.8%.
Why Does Car Insurance Cost More in Salt Lake City?
Salt Lake County averages about $260 a month for full coverage, the most expensive of the 21 Utah counties we price. Utah County, to the south, averages $249 and Davis County, to the north, $237.
Within the county, prices climb toward the west side of the valley: West Valley City averages about $280 a month and Magna $270, while Sandy, to the south, averages $249 and Draper $253. Where you live is one of the factors Utah insurers use, so neighboring cities can be priced differently.
How Salt Lake City Car Insurance Compares With Other Utah Cities
More Utah cities and towns are in the Utah rates by city table, and you can compare states on our car insurance rates by state page.
West Valley City, about six miles southwest, averages $280 a month, and Sandy, about 13 miles south, $249. Ogden, about 32 miles north, averages $244 and Provo, about 38 miles south, $253.
What Car Insurance Is Required in Salt Lake City?
Drivers in Salt Lake City follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
- Liability coverage of $30,000 per person and $65,000 per crash for injuries and $25,000 for property damage, or a $90,000 single limit
- Personal injury protection that pays at least $3,000 per person in medical bills, plus lost wages and other benefits
- Uninsured and underinsured motorist coverage, unless you reject it in writing
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Salt Lake City
- Compare GEICO and Auto-Owners first. They have the two lowest full-coverage averages among the insurers we rank in Salt Lake City, about $181 and $186 a month.
- Quote several insurers. Among the insurers we rank in Salt Lake City, the lowest and highest averages are about $235 a month apart for the same driver and car.
- Think before you reject uninsured motorist coverage. Utah policies include uninsured and underinsured motorist coverage unless you reject it in writing, and it pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Since November 2025, Allstate has cut its Salt Lake City average 0.5%, while Farmers has raised its average 5.7% and State Farm 0.5%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Utah home insurance rates.
Ready to compare
How We Calculated Salt Lake City Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 108 full-coverage premiums from six insurers across 18 Salt Lake City ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/70/15 limits, with 25/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Utah’s minimum has been 30/65/25 since Jan. 1, 2025, so our liability-only prices use lower per-person injury and property damage limits than the law requires and a per-person uninsured motorist limit below the law’s $30,000 floor. Every Utah policy must include personal injury protection; the rate data doesn’t list the amount priced, so we don’t state one for these prices.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Utah rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.
Salt Lake City Car Insurance FAQ
For our benchmark driver, full coverage in Salt Lake City averages about $261 a month ($3,136 a year) and liability-only coverage at 25/70/15 limits about $122 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% above the Utah average of $242 a month.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average in our Salt Lake City rate data, at about $181 and $186 a month. Progressive’s average is next, at $200. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $74 a month. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Salt Lake City full coverage averages about $261 a month, 8% above the Utah average. Salt Lake County is the most expensive of the 21 counties we price, and prices are highest on the west side, at about $283 a month in 84104.
In our data, 84108 has the lowest full-coverage average in Salt Lake City, at about $245 a month, and 84104 the highest, at about $283. The ZIP code table on this page lists all 18.
In our Salt Lake City data, full coverage (100/300/100 with $500 deductibles) averages about $261 a month and liability-only coverage at 25/70/15 limits about $122, a difference of about $139 a month ($1,670 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new since November 2025), their Salt Lake City full-coverage average rose 1.3%, from about $3,277 to $3,319 a year. That’s higher than the Salt Lake City average of $3,136 because it leaves out Auto-Owners. Allstate cut its Salt Lake City average 0.5%, while Farmers raised its average 5.7% and State Farm 0.5%. Liability-only coverage at 25/70/15 limits rose 2.2%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
