Cheap Car Insurance in Salt Lake City (November 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Salt Lake City (November 2025)

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On This Page
  • Cheapest minimum coverage in Salt Lake City
  • Cheapest full coverage in Salt Lake City
  • Cheapest car insurance for young drivers in Salt Lake City (18-29 years old)
  • Cheapest car insurance for mature drivers in Salt Lake City (30-54 years old)
  • Cheapest car insurance for older drivers in Salt Lake City (55+ years old)
  • Cheapest car insurance for drivers with clean records in Salt Lake City
  • Cheapest car insurance for drivers with low credit scores in Salt Lake City
  • Cheapest car insurance for drivers with at-fault accidents in Salt Lake City
  • Cheapest car insurance for drivers with speeding tickets in Salt Lake City
  • Cheapest car insurance for drivers with DUIs in Salt Lake City

Utah residents get to experience some of the world’s most beautiful landscapes — and some difficult driving conditions. A commute on Interstate 15 could be marred by traffic congestion or a dangerous sandstorm. A venture through the canyons takes drivers through steep grades and tight curves. A trip to the slopes could mean snowy conditions, avalanche risk and a possible  moose encounter. 

Ensure that you have the proper car insurance policy on your vehicle to protect yourself in any condition. We’ve collected data from real Jerry customers in Salt Lake City to help you shop for coverage and show how rates can vary based on factors like your zip code and age.

More: Best car insurance in California

Cheapest minimum coverage in Salt Lake City

These are the cheapest car insurance quotes that drivers in Salt Lake City have received for state-mandated minimum coverage:

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$30 $354 Geico 24 07/31/25 Salt Lake City, UT 84103
$31 $368 Progressive 43 06/22/25 Salt Lake City, UT 84105
$31 $368 Progressive 44 06/23/25 Salt Lake City, UT 84103
$37 $446 Progressive 60 07/21/25 Salt Lake City, UT 84121
$39 $464 National General 34 09/16/25 Salt Lake City, UT 84109
$42 $504 Progressive 37 06/13/25 Salt Lake City, UT 84123
$45 $538 Progressive 46 06/26/25 Salt Lake City, UT 84116
$46 $556 Progressive 38 06/15/25 Salt Lake City, UT 84119
$48 $572 Progressive 40 05/08/25 Salt Lake City, UT 84115
$49 $584 National General 38 10/12/25 Salt Lake City, UT 84115
Last Updated October 2025

As of 2025, Utah drivers must carry these coverages:

  • $30,000 for bodily injury per person in one accident.
  • $65,000 for bodily injury involving two or more people in one accident.
  • $25,000 for property damage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Cheapest car insurance in California

Cheapest full coverage in Salt Lake City

Salt Lake City’s weather swings from 90 degrees in the summer to below freezing in the winter, which means drivers must contend with uncomfortable temperatures and icy roads. This is in addition to a relatively high risk of landslides, wildfires and earthquakes, according to FEMA’s National Risk Index. 

If your vehicle is damaged because you’ve skidded on ice or gotten caught in a natural disaster, minimum coverage won’t pay for your repairs. Full coverage, which includes comprehensive insurance and collision coverage, may cover such repairs. Check out the cheapest quotes for full coverage in Salt Lake City that Jerry customers have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$50 $600 Progressive 72 07/17/25 Salt Lake City, UT 84104
$51 $608 Progressive 34 05/01/25 Salt Lake City, UT 84105
$54 $644 Progressive 29 08/04/25 Salt Lake City, UT 84108
$60 $725 Safeco 47 07/06/25 Salt Lake City, UT 84109
$63 $752 Clearcover 42 06/21/25 Salt Lake City, UT 84123
$67 $798 Progressive 44 06/26/25 Salt Lake City, UT 84123
$67 $802 Progressive 37 06/14/25 Salt Lake City, UT 84118
$68 $818 Safeco 44 06/23/25 Salt Lake City, UT 84123
$76 $916 Progressive 29 08/06/25 Salt Lake City, UT 84107
$78 $938 ROOT 26 07/16/25 Salt Lake City, UT 84102
Last Updated October 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Salt Lake City (18-29 years old)

Young drivers in Salt Lake City typically pay the highest premiums because insurers view their lack of driving experience as risky. These are the cheapest quotes that young drivers in Salt Lake City have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$30 $354 Geico 24 No 07/31/25 Salt Lake City, UT 84103
$54 $644 Progressive 29 Yes 08/04/25 Salt Lake City, UT 84108
$59 $713 Safeco 25 No 08/18/25 Salt Lake City, UT 84103
$65 $783 Safeco 26 No 07/16/25 Salt Lake City, UT 84102
$76 $916 Progressive 29 Yes 08/06/25 Salt Lake City, UT 84107
$67 $798 Progressive 44 06/26/25 Salt Lake City, UT 84123
$67 $802 Progressive 37 06/14/25 Salt Lake City, UT 84118
$68 $818 Safeco 44 06/23/25 Salt Lake City, UT 84123
$76 $916 Progressive 29 08/06/25 Salt Lake City, UT 84107
$78 $938 ROOT 26 07/16/25 Salt Lake City, UT 84102
Last Updated October 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Salt Lake City (30-54 years old)

Mature drivers between 30 and 54 years old typically pay less than younger drivers. It’s wise to rate shop regularly for the best price to keep your premium low during these years. These are the cheapest quotes that mature drivers in Salt Lake City have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$31 $368 Progressive 43 No 06/22/25 Salt Lake City, UT 84105
$39 $464 National General 34 No 09/16/25 Salt Lake City, UT 84109
$42 $504 Progressive 37 No 06/13/25 Salt Lake City, UT 84123
$46 $556 Progressive 38 No 06/15/25 Salt Lake City, UT 84119
$48 $572 Progressive 40 No 05/08/25 Salt Lake City, UT 84115
$67 $798 Progressive 44 06/26/25 Salt Lake City, UT 84123
$67 $802 Progressive 37 06/14/25 Salt Lake City, UT 84118
$68 $818 Safeco 44 06/23/25 Salt Lake City, UT 84123
$76 $916 Progressive 29 08/06/25 Salt Lake City, UT 84107
$78 $938 ROOT 26 07/16/25 Salt Lake City, UT 84102
Last Updated October 2025

Cheapest car insurance for older drivers in Salt Lake City (55+ years old)

Drivers who are above 54 years old typically pay the lowest rates, although rates could start rising again once a driver reaches their 70s. These are the cheapest quotes that older drivers in Salt Lake City have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$50 $600 Progressive 72 07/17/25 Salt Lake City, UT 84104 Yes
$67 $804 The General 55 05/20/25 Salt Lake City, UT 84109 No
$71 $849 Dairyland 75 09/26/25 Salt Lake City, UT 84116 No
$73 $876 National General 70 08/28/25 Salt Lake City, UT 84118 No
$74 $887 Dairyland 67 07/17/25 Salt Lake City, UT 84116 No
$67 $798 Progressive 44 06/26/25 Salt Lake City, UT 84123
$67 $802 Progressive 37 06/14/25 Salt Lake City, UT 84118
$68 $818 Safeco 44 06/23/25 Salt Lake City, UT 84123
$76 $916 Progressive 29 08/06/25 Salt Lake City, UT 84107
$78 $938 ROOT 26 07/16/25 Salt Lake City, UT 84102
Last Updated October 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Salt Lake City

Drivers without tickets, accidents or claims typically pay the least for auto insurance. Here are the cheapest quotes for drivers in Salt Lake City with clean records, based on Jerry’s data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$30 $354 Geico 24 07/31/25 No Salt Lake City, UT 84103
$31 $368 Progressive 43 06/22/25 No Salt Lake City, UT 84105
$39 $464 National General 34 09/16/25 No Salt Lake City, UT 84109
$42 $504 Progressive 37 06/13/25 No Salt Lake City, UT 84123
$46 $556 Progressive 38 06/15/25 No Salt Lake City, UT 84119
$48 $572 Progressive 40 05/08/25 No Salt Lake City, UT 84115
$49 $584 National General 38 10/12/25 No Salt Lake City, UT 84115
$50 $594 Progressive 41 06/19/25 No Salt Lake City, UT 84107
$50 $600 Progressive 72 07/17/25 Yes Salt Lake City, UT 84104
$53 $636 National General 30 08/10/25 No Salt Lake City, UT 84124
Last Updated October 2025

Cheapest car insurance for drivers with low credit scores in Salt Lake City

Utah allows insurers to discount drivers’ policies based on their credit scores, which means those with lower scores may miss out on savings. Since insurers have different formulas to calculate premium costs, shop around for quotes with multiple companies to ensure you’re getting the best price. Here are the quotes that drivers with credit scores below 550 in Salt Lake City have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $93 $1,118 Progressive 56 10/07/25 Salt Lake City, UT 84129
<550 $99 $1,190 National General 46 04/12/25 Salt Lake City, UT 84107
<550 $107 $1,286 Progressive 50 09/15/24 Salt Lake City, UT 84109
<550 $108 $1,298 Progressive 29 09/07/24 Salt Lake City, UT 84116
<550 $109 $1,312 The General 35 09/19/25 Salt Lake City, UT 84116
$48 $572 Progressive 40 Salt Lake City, UT 84115
$49 $584 National General 38 Salt Lake City, UT 84115
$50 $594 Progressive 41 Salt Lake City, UT 84107
$50 $600 Progressive 72 Salt Lake City, UT 84104
$53 $636 National General 30 Salt Lake City, UT 84124
Last Updated October 2025

Cheapest car insurance for drivers with at-fault accidents in Salt Lake City

Drivers with at-fault accidents on their records typically pay a higher premium. It’s wise to compare various quotes before your policy renews to ensure you’re getting the cheapest car insurance. These are the cheapest quotes that drivers in Salt Lake City with at-fault accidents have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $47 $560 Progressive 31 Yes 09/24/24 Salt Lake City, UT 84123
At Fault With No Injury $52 $626 Progressive 67 No 09/08/25 Salt Lake City, UT 84116
At Fault With No Injury $58 $698 Progressive 29 No 02/01/25 Salt Lake City, UT 84109
At Fault With No Injury $66 $790 Progressive 77 Yes 04/02/25 Salt Lake City, UT 84107
At Fault With No Injury $77 $920 Progressive 33 Yes 03/29/25 Salt Lake City, UT 84129
$48 $572 Progressive 40 No Salt Lake City, UT 84115
$49 $584 National General 38 No Salt Lake City, UT 84115
$50 $594 Progressive 41 No Salt Lake City, UT 84107
$50 $600 Progressive 72 Yes Salt Lake City, UT 84104
$53 $636 National General 30 No Salt Lake City, UT 84124
Last Updated October 2025

Cheapest car insurance for drivers with speeding tickets in Salt Lake City

If you’ve recently received a citation for speeding, your auto insurance bill will likely rise at renewal. These are the cheapest quotes that drivers in Salt Lake City with speeding tickets have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $77 $922 Progressive 22 08/11/25 Salt Lake City, UT 84104
Speeding under 15 $86 $1,026 ROOT 28 05/14/25 Salt Lake City, UT 84123
Speeding under 15 $100 $1,196 National General 42 08/06/25 Salt Lake City, UT 84107
Speeding under 15 $105 $1,264 Progressive 73 09/23/25 Salt Lake City, UT 84102
Speeding over 15 $107 $1,284 The General 30 08/19/25 Salt Lake City, UT 84129
$48 $572 Progressive 40 05/08/25 Salt Lake City, UT 84115
$49 $584 National General 38 10/12/25 Salt Lake City, UT 84115
$50 $594 Progressive 41 06/19/25 Salt Lake City, UT 84107
$50 $600 Progressive 72 07/17/25 Salt Lake City, UT 84104
$53 $636 National General 30 08/10/25 Salt Lake City, UT 84124
Last Updated October 2025

Cheapest car insurance for drivers with DUIs in Salt Lake City

A DUI record may cause your insurer to decline to renew your policy or it may cause your premium to increase. If you’ve recently been cited, compare quotes from multiple insurers to get the coverage you need at the lowest price. These are the cheapest quotes that drivers in Salt Lake City with DUIs have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $79 $950 Progressive 29 08/14/25 Salt Lake City, UT 84115
DUI $94 $1,129 Dairyland 41 09/28/25 Salt Lake City, UT 84124
DUI $425 $5,105 Dairyland 42 09/03/25 Salt Lake City, UT 84123
DUI $623 $7,478 Bristol West 32 05/11/25 Salt Lake City, UT 84103
Speeding over 15 $107 $1,284 The General 30 08/19/25 Salt Lake City, UT 84129
$48 $572 Progressive 40 05/08/25 Salt Lake City, UT 84115
$49 $584 National General 38 10/12/25 Salt Lake City, UT 84115
$50 $594 Progressive 41 06/19/25 Salt Lake City, UT 84107
$50 $600 Progressive 72 07/17/25 Salt Lake City, UT 84104
$53 $636 National General 30 08/10/25 Salt Lake City, UT 84124
Last Updated October 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Expert-driven. Built for you.
Summary
Our goal is clear, trustworthy information.
Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.
Our experts
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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