Updated December 14, 2025

4 Best Tips For Buying Cheap Car Insurance in Salt Lake City, UT

Utah cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Salt Lake City, UT

Jerry has helped customers find affordable coverage in Utah since 2019. In Salt Lake City, here are some key numbers from the past six months:

  • Jerry has helped 755 drivers to compare 10 insurance providers.

  • Majority of quotes range from $118 to $243 per month.

  • On average, Jerry users who switched to a lower quote saved $30 to $122 per month.

If you’re looking to save on car insurance, Jerry brings you competitive quotes in just a few minutes. 

Buick1

How Jerry finds car insurance savings for Salt Lake City drivers

Premiums have gone up for a lot of drivers in Salt Lake City, but you don’t have to just sit back and accept it. Jerry compares quotes, uncovers discounts and helps you choose smarter coverage for your needs and budget.

Below are real examples of Salt Lake City drivers who found cheaper coverage through Jerry.

Recent quotes

Last Updated Dec. 15, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Utah


If you’re looking to get the best deal on your car insurance, below are four top tips from Jerry’s agents.

Jerry Agent Tip 1: Always compare quotes from different companies

Drivers in Salt Lake City can often find real savings by comparing quotes from different insurers. That’s because insurers price driver profiles differently and often charge different amounts for the same coverage. 

Here you can see how Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Dec. 15, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Shopping around for car insurance can save money but is time-consuming. Jerry reduces the hassle and helps you compare quotes in minutes.

Jerry Agent Tip 2: Apply discounts to maximize your savings

Simple things like being a good drivergetting your quote early, or switching to paperless billing can bring your insurance costs down. Since it’s hard to know which discounts actually apply, Jerry checks for your eligible savings so you don’t miss out.

Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.

Jerry Agent Tip 3: Balance coverage and cost

When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low and covers only what your state requires. Higher tiers offer added protections such as coverage for your own car, help if you are hit by an uninsured driver and support with towing and rental costs after an accident. 

These are the four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.

Minimum

$83$143/mo

Meets Utah liability and PIP requirements but doesn’t protect your own car.

Full

$133$243/mo

Adds collision and comprehensive, often required if you lease or finance your vehicle.

Standard

$147$272/mo

Builds on full coverage with medical payments or stronger UM/UIM protections.

Preferred

$165$317/mo

Higher limits, lower deductibles and extras like towing or rental reimbursement mean maximum protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Choose the coverage tier that matches your comfort with risk. Then use Jerry to compare real-time quotes for each tier and pick the one that gives you the best value.

  • Coverage definitions
CTA11

Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

These are the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving comes with risks like accidents, theft and unexpected repair costs. Choosing the right coverage helps you stay protected without overspending, and comparing your options makes a real difference.

With Jerry, Salt Lake City drivers can find affordable policies and coverage levels that match their needs, making it easier to drive with confidence every day.

lifestyle3

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

Expert-driven. Built for you.
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.

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.
Let Jerry find you personalized quotes in minutes.