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Last updated: October 27, 2025Best Cheap Car Insurance in Salt Lake City
USAA, Nationwide, State Farm, Auto-Owners and AAA (CSAA) are our top choices for car insurance in Salt Lake City.
Cheapest for Military/Veterans
Editor's Rating:
5/5
5/5Average Cost in Salt Lake City
- Full Coverage Monthly: $102
- Minimum Coverage Monthly: $66
Best Value
Editor's Rating:4.8/5
4.8/5Average Cost in Salt Lake City
- Full Coverage Monthly: $147
- Minimum Coverage Monthly: Data unavailable
Best for Bundling
Editor's Rating:4.9/5
4.9/5Average Cost in Salt Lake City
- Full Coverage Monthly: $157
- Minimum Coverage Monthly: $121
Key Takeaways
- Auto insurance in Salt Lake City averages $2,026 annually for full coverage, which is comparable to the state average of $1,978.
- On average, USAA and Auto-Owners have the cheapest annual rates for full coverage auto insurance in Salt Lake City, at $1,224 and $1,576, respectively.
- Utah is a no-fault state, and as of January 2025, minimum auto insurance requirements have increased to $30,000/$65,000/$25,000.
Our Top Picks for the Best Cheap Auto Insurance in Salt Lake City
- Cheapest for Military/Veterans: USAA
- Best Value: Nationwide
- Best for Bundling: State Farm
- Cheapest for Non-Military: Auto-Owners
- Best for Customer Satisfaction: CSAA (AAA)
Compare the Best Cheap Auto Insurance in Salt Lake City
| Company | Full coverage annual average | Minimum coverage annual average | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,224 | $786 | Above average* |
| Nationwide | $1,766 | Data unavailable | Above average |
| State Farm | $1,887 | $1,446 | Above average |
| Auto-Owners | $1,576 | $1,044 | Below average |
| CSAA (AAA) | Data unavailable | Data unavailable | Above average |
| Salt Lake City average | $2,026 | $1,380 | – |
*Due to its eligibility restrictions, USAA technically doesn’t qualify to rank on J.D. Power studies.
Detailed List of the Best Cheap Providers in Salt Lake City
1. USAA - Cheapest for Military/Veterans
5
Editor's Rating:
- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Cheapest Salt Lake City rates
- Excellent customer service
- Military-specific coverage
Military eligibility required- Limited to members
- Fewer branch locations
Why we chose it
USAA boasts a winning combination of cheap rates and high customer satisfaction. It’s available only to military members, veterans and their families, but if you do qualify, you’ll enjoy some of the lowest average rates for full coverage auto insurance in Salt Lake City. Although USAA’s eligibility requirements mean it technically does not qualify to rank in J.D. Power’s studies, it scored 84 points above average for customer satisfaction in the Southwest region and 29 points above average in the U.S. for claims satisfaction.
Who it’s best for
USAA is a strong all-around choice for military members, veterans and their families. USAA’s coverage is designed with service members in mind, and it offers unique perks, like discounts for storing a vehicle during deployment or garaging it on a military base.
USAA Salt Lake City Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $102 | $66 |
| Annually | $1,224 | $786 |
| Difference from Salt Lake City average | -40% | -43% |
2. Nationwide - Best Value
4.8
Editor's Rating:
- Average Rate forMinimum Coverage$60 mo.
- Average Rate forFull Coverage$166 mo.
- No. 2 in the Southwest on J.D. Power's customer satisfaction study
- Pay-per-mile option
- Great telematics discount
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide ranked second in J.D. Power’s study for overall customer satisfaction in the Southwest region and fourth nationally in J.D. Power’s claims satisfaction study. Although Nationwide’s rates aren’t the absolute cheapest, they are still below the city average, making the company a great option for those looking to balance cost and service. Plus, if you’re a safe driver or a low-mileage driver, you can unlock significant savings by enrolling in one of the company’s usage-based discount programs: Nationwide SmartRide or SmartMiles.
Who it’s best for
Nationwide is a great fit for safe drivers who value excellent customer service. It’s also a good choice for low-mileage drivers, who can benefit from SmartMiles. Note that the company does not sell rideshare coverage.
TIP:
When you’re choosing an insurer, it pays to be proactive. Compare car insurance quotes from at least three companies, ask about auto insurance discounts you qualify for, and take some time to determine which coverage option is best for you. For example, if you don’t drive often, a pay-per-mile program, like Nationwide SmartMiles, could help keep your costs down.
Nationwide Salt Lake City Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $147 | Data unavailable |
| Annually | $1,766 | Data unavailable |
| Difference from Salt Lake City average | -13% | – |
3. State Farm - Best for Bundling
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- No. 3 in the Southwest on J.D. Power's customer satisfaction study
- Above-average ratings for home and renters insurance
- Local Salt Lake City agents
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm ranks above average in J.D. Power’s studies for both auto insurance claims and customer satisfaction; it placed third in the Southwest for customer satisfaction. It also scored above average on J.D. Power’s most recent Home Insurance Study in both the homeowners and renters insurance segments.1
Much of State Farm’s strength is attributable to the company’s extensive network of local agents who deliver personalized service. Although State Farm is not the cheapest option, you can ask your agent to walk you through the wide variety of discounts to find additional ways to save on your car insurance. State Farm offers discounts for safe drivers, good students, students away at school, and drivers looking to bundle home and auto insurance or insure multiple vehicles.
Who it’s best for
State Farm is best for drivers who plan to bundle home and full coverage auto insurance and those who don’t mind paying a little more for personalized customer service via local agents.
State Farm Salt Lake City Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $157 | $121 |
| Annually | $1,887 | $1,446 |
| Difference from Salt Lake City average | -7% | +5% |
>>COMPARE: Take a look at our side-by-side comparison of USAA vs. State Farm.
4. Auto-Owners - Cheapest for Non-Military
4.4
Editor's Rating:
- Average Rate forMinimum Coverage$43 mo.
- Average Rate forFull Coverage$156 mo.
- Cheap rates for full and minimum coverage
- Made the CRASH Network "Honor Roll"
- Local Salt Lake City agents
- Agent-only sales
- Slower digital adoption
Why we chose it
Although Auto-Owners scored a couple of points below average in J.D. Power’s study for customer satisfaction in the Southwest region, it does have some of the lowest average rates for full coverage auto insurance in Salt Lake City. It made the “Honor Roll” on CRASH Network’s 2025 Insurer Report Card, indicating strong claims practices.
Who it’s best for
Auto-Owners sells policies only through independent agents, so it’s best for drivers who value the personalized service of an agent (or at least don’t mind shopping through one). Also, after USAA, Auto-Owners has the cheapest rates in Utah for drivers with a speeding ticket.
Auto-Owners Salt Lake City Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $131 | $87 |
| Annually | $1,576 | $1,044 |
| Difference from Salt Lake City average | -22% | -24% |
5. CSAA (AAA) - Best for Customer Satisfaction
4.5
Editor's Rating:
- First place for customer satisfaction in the Southwest
- Reliable roadside assistance
- Membership benefits, like discounts on travel and entertainment
- Membership required
- Regional-only availability
- Premiums vary
Why we chose it
Although pricing data for CSAA is unavailable, the company has a strong presence in the Southwest region, ranking first in J.D. Power’s study for customer satisfaction. It scored 7 points above average in J.D. Power’s study for claims satisfaction nationally and earned an above-average B- rating on the CRASH Network Insurer Report Card. Because CSAA is a AAA insurer, an annual AAA membership is required to purchase a policy.
Who it’s best for
If you’re a Salt Lake City AAA member who values top-notch customer service, reliable roadside assistance and AAA membership perks (like discounts on travel and entertainment), it’s worth getting a quote from CSAA.
Salt Lake City Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest2 | CRASH Network Insurer Report Card3 | J.D. Power Auto Claims Satisfaction Study4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| USAA | 720* | D+ | 726* | 2.74 |
| Nationwide | 661 | C | 728 | 2.73 |
| State Farm | 648 | C- | 710 | 2.16 |
| Auto-Owners | 634 | B | 692 | 0.93 |
| CSAA (AAA) | 676 | B- | 704 | 2.74 |
| Average | 636 | C+ | 697 | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA technically doesn’t qualify to rank on J.D. Power studies.
Cheapest Full Coverage Car Insurance in Salt Lake City
USAA has the lowest average rate for full coverage auto insurance in Salt Lake City, at $1,224 annually. That’s 40 percent cheaper than the city average of $2,026 and 38 percent cheaper than the state average of $1,978. Auto-Owners has the next-lowest average rate ($1,576 annually), followed by GEICO ($1,617).
| Company | Monthly Salt Lake City average | Annual Salt Lake City average |
|---|---|---|
| USAA | $102 | $1,224 |
| Auto-Owners | $131 | $1,576 |
| GEICO | $135 | $1,617 |
| Nationwide | $147 | $1,766 |
| State Farm | $157 | $1,887 |
| Progressive | $161 | $1,927 |
| American Family | $173 | $2,071 |
| The General | $218 | $2,613 |
| Allstate | $245 | $2,945 |
| Salt Lake City average | $169 | $2,026 |
| Utah average | $165 | $1,978 |
| U.S. average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in Salt Lake City
USAA also has the cheapest average rate for minimum coverage in Salt Lake City, at $786 per year, or 43 percent below the city average. Auto-Owners is the next cheapest ($1,044 annually), followed by Progressive ($1,092 annually).
| Company | Monthly Salt Lake City average | Annual Salt Lake City average |
|---|---|---|
| USAA | $66 | $786 |
| Auto-Owners | $87 | $1,044 |
| Progressive | $91 | $1,092 |
| GEICO | $114 | $1,362 |
| State Farm | $121 | $1,446 |
| American Family | $123 | $1,476 |
| Allstate | $144 | $1,722 |
| Salt Lake City average | $115 | $1,380 |
| Utah average | $84 | $1,006 |
| U.S. average | $53 | $635 |
How Many Car Accidents Happen in Salt Lake City?
In 2024, Salt Lake City reported 57 serious injuries and 10 deaths due to car crashes. Of these, 29 serious injuries and seven deaths occurred in crashes involving cars or motorcycles, 21 serious injuries and two deaths involved pedestrians, and seven injuries and one death involved bicycles.6
Downtown Salt Lake City has the highest overall crash density, with hot spots along State Street, the on/off ramps of I-15 and I-80, and North Temple.
Minimum Auto Insurance Requirements in Salt Lake City
Utah is a no-fault state, which means your coverage must pay for medical expenses and losses for you and your passengers, no matter who is at fault in the accident. As of January 2025, the minimum auto insurance requirements in Salt Lake City have increased to 30/65/25:
- Bodily injury liability: $30,000 per person and $65,000 per accident
- Property damage liability: $25,000 per accident7
Frequently Asked Questions
On average, full coverage auto insurance in Salt Lake City costs $169 monthly ($2,026 per year), while minimum coverage is $66 monthly ($786 per year).
The ZIP codes with lower car insurance rates in Salt Lake City are 84108, 84113 and 84103. In general, ZIP codes with cheaper rates tend to have reduced risk factors, like low population density (which correlates with fewer traffic accidents) and low theft rates. Low rates also may be linked to population demographics, like fewer teen drivers and better credit histories.
Top strategies for lowering your auto insurance rates include increasing your deductible, bundling policies, and taking advantage of discounts. Improving your credit score can also make a big difference. If you don’t drive a lot, consider enrolling in a usage-based program.
USAA has the cheapest average rate for full coverage auto insurance in Salt Lake City, at $1,224 annually. However, USAA is available only to military members, veterans and their families. If you do not qualify for USAA, Auto-Owners offers the next-cheapest average rate for full coverage, at $1,576 annually.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Salt Lake City, Utah, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000
- Personal injury protection: $3,000
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance and rideshare coverage.
Read more about our ratings and methodology.
Citations
Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds. J.D. Power. (2025, Sept 16).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-studyIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmSalt Lake City Traffic Deaths and Serious Injuries Crashes, 2008-2024. Salt Lake City Transportation. (2025).
https://slcgov.maps.arcgis.com/apps/MapSeries/index.html?appid=326333659bcb4873b64cc9a40e3749d5H.B. 113 Motor Vehicle Insurance Revisions. Utah State Legislature. (2023).
https://le.utah.gov/~2023/bills/static/HB0113.html
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