Updated July 24, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Salt Lake City, UT

Salt Lake City drivers pay an average of $236 a month for full coverage and $123 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$51

Lowest state minimum quote Jerry has found in last 12 months

$119

Lowest full coverage quote Jerry has found in last 12 months

$166

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Salt Lake City drivers pay auto insurance rates that sit slightly above the Utah state average but well below the national baseline per Jerry’s quoting data. Utah is a no-fault state with a distinctive framework requiring each driver’s own personal injury protection to cover their medical expenses regardless of fault, and the state recently raised its liability minimums effective January 2025. Salt Lake City drivers still benefit from Utah’s low uninsured driver rate, one of the lowest in the country per the Insurance Research Council. Local factors shape claim frequency, including Wasatch winter weather, mountain-valley air inversions and dense commuter traffic along the I-15 and I-80 corridors through the Salt Lake Valley. Within the city itself, claim frequency varies across ZIP codes, with the East Bench neighborhoods averaging well below the west-side and southwest metro ZIP codes.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Salt Lake City drivers starting as low as $119 per month for full coverage (Progressive) and $74 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Salt Lake City drivers

Here are some recent quotes Jerry has pulled for drivers in Salt Lake City. These aren’t sample rates — they’re actual quotes pulled for Salt Lake City drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Salt Lake City?

Right now, GEICO is the cheapest average carrier for Salt Lake City drivers at around $74 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Salt Lake City’s market shows a split between coverage tiers in our data, with one national carrier leading state minimum averages and a different one leading full coverage. The gap between coverage tiers isn’t linear, which makes quote-by-quote comparison especially valuable here. Four observations to weigh as you compare quotes:

• The cheapest option for Salt Lake City drivers with clean records is National General on full coverage. It leads the full coverage averages in our Salt Lake City data by a meaningful margin and produced one of the lowest individual full coverage quotes Jerry has pulled in the city. Worth pulling a quote whenever you’re comparing options here, especially if full coverage is what you actually plan to buy.

• The cheapest insurer for minimum coverage isn’t always the cheapest for full coverage. One carrier tops the state minimum averages here while a different carrier leads full coverage, and the gap between them isn’t linear. Quote the coverage you actually plan to buy, since the winner at one tier often isn’t the winner at another.

• What you’re bundling changes the math significantly. Adding renters or homeowners coverage to your auto quote can unlock discounts large enough to flip a mid-tier carrier into a competitive slot for your household. Even if your current insurer offers a bundle discount, it’s worth comparing packages from multiple companies because savings and coverage options can vary substantially.

• Utah’s driver environment shapes premiums favorably compared to most metros. The state carries one of the lowest uninsured driver rates in the country per the Insurance Research Council, combined with a young median age and generally low crash-litigation environment, which helps keep base rates competitive. Comparison shopping across carriers remains valuable in Salt Lake City, since the mix of insurers writing profitably shifts meaningfully by driver profile.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

GEICO is the cheapest car insurance company in Salt Lake City for state minimum coverage at an average of $74 per month. 

Cheapest carriers in Salt Lake City by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$74	$51
GEICO	$74	$51
Liberty Mutual	$104	$67
Progressive	$105	$58
National General	$107	$74

GEICO

Average monthly cost

$74

Cheapest quote we’ve found

$51

GEICO

Average monthly cost

$74

Cheapest quote we’ve found

$51

Liberty Mutual

Average monthly cost

$104

Cheapest quote we’ve found

$67

Progressive

Average monthly cost

$105

Cheapest quote we’ve found

$58

National General

Average monthly cost

$107

Cheapest quote we’ve found

$74

Last Updated July 30, 2026

Based on Jerry data from the past 12 months.

Branch is the cheapest car insurance company in Salt Lake City for full coverage at an average of $190 per month. 

Cheapest carriers in Salt Lake City by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
Branch	$190	$120
National General	$195	$127
Liberty Mutual	$203	$128
Mile Auto	$213	$137
Root	$216	$159

Branch

Average monthly cost

$190

Cheapest quote we’ve found

$120

National General

Average monthly cost

$195

Cheapest quote we’ve found

$127

Liberty Mutual

Average monthly cost

$203

Cheapest quote we’ve found

$128

Mile Auto

Average monthly cost

$213

Cheapest quote we’ve found

$137

Root

Average monthly cost

$216

Cheapest quote we’ve found

$159

Last Updated July 30, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Salt Lake City drivers, but National General can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Comparison shopping is especially valuable in a split market where different carriers lead different coverage tiers. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in Salt Lake City?

Drivers in Salt Lake City with clean records average $180/mo, which is above the UT state average ($173/mo) but well below the national average of $260/mo. Salt Lake City’s position reflects the metro’s larger population, denser traffic and higher claim frequency than the rural and small-metro parts of Utah, while Utah’s overall lower baseline auto rates and one of the lowest uninsured driver rates in the country help keep the metro well below the national average. Local features still shape claim frequency, from Wasatch winter weather and mountain-valley air inversions to the daily convergence of I-15 and I-80 traffic through downtown.

Salt Lake City car insurance rates by ZIP code

Salt Lake City’s ZIP-level data shows a clear east-west spread across the metro. The cheapest ZIPs cluster in the East Bench neighborhoods along the foothills, while the most expensive concentrate on the west side and southwest of the Salt Lake Valley.

Cheapest ZIP codes

The cheapest Salt Lake City ZIPs cluster in the East Bench neighborhoods including the University of Utah area and Sugar House, plus the Cottonwood Heights foothills and Holladay areas. Lower historical claim frequency and demographic factors in these neighborhoods help keep premiums below the city average.

Most expensive ZIP codes

The most expensive Salt Lake City ZIPs concentrate on the west side and southwest of the Salt Lake Valley, including West Valley City, Kearns and Rose Park corridor. Higher historical claim frequency and demographic factors specific to these neighborhoods push premiums above the city baseline.

Salt Lake City car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Salt Lake City data shows for each, and what it actually means for your quote.

By age

Age remains one of the bigger factors affecting car insurance costs in Salt Lake City, though the youth curve here is more moderate than in higher-premium metros. Jerry’s Salt Lake City data shows a rate cliff around 25, resulting in a $32/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $40/mo drop for full coverage. If you are approaching your 25th birthday, it’s a smart time to compare quotes, since many insurers begin offering lower rates at that age.

Average cost of insurance in Salt Lake City by age group, state minimum

Average cost of insurance in Salt Lake City by age group, full coverage

By driving record

Having at-fault accidents adds 18% on average for Salt Lake City Jerry users. Driving record affects Salt Lake City rates with more conventional patterns than we see in some other markets, with positive surcharges across speeding tickets, at-fault accidents and DUIs on both coverage tiers.

Drivers needing an SR-22 filing face a narrower carrier pool, which is a good reason to compare quotes broadly after a violation. Salt Lake City’s non-standard carrier mix is competitive for drivers with violations on their records, so comparing across a variety of insurers matters more than sticking with the same carrier through a policy change.

Average cost of state minimum coverage in Salt Lake City, by driving record

Average cost of full coverage in Salt Lake City, by driving record

By credit score

Utah permits credit-based insurance scoring as one auto rating factor. In markets that use credit-based scoring, the biggest premium differences typically show up at the extreme ends of the credit range, with Excellent-credit drivers seeing the largest discounts and Poor-credit drivers seeing the largest surcharges. Drivers in the middle tiers often see more variable results from one carrier to another, which makes comparison shopping especially valuable if your credit sits in the Fair-to-Good range.

Average cost of state minimum coverage in Salt Lake City, by credit score

Average cost of full coverage in Salt Lake City, by credit score

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

Learn more: Best car insurance in Utah

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If you’re looking to find the cheapest car insurance in Utah, below are four top tips that Jerry’s agents have found.

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

Jerry Agent Tip 2: Apply discounts to maximize your savings

Simple things like being a good driver, getting 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.

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.

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance 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.

Utah car insurance minimums: What’s required in Salt Lake City

Utah requires liability and personal injury protection coverage on every registered vehicle. The state raised its minimum liability limits effective January 2025 through House Bill 113, the first major adjustment in years. Here are the minimum requirements in Utah:

• $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.

• $3,000 for personal injury protection (PIP).

Drivers can also choose to buy at least $90,000 in combined single limit (CSL) coverage, which meets the state’s minimum bodily injury and property damage liability requirements.

Driving without the required coverage in Utah can result in fines, license suspension and vehicle impoundment. Utah does not require uninsured or underinsured motorist coverage, though insurers must offer it. The Utah Insurance Department maintains the Insure-Rite database that cross-checks vehicle registrations against insurance records, which helps enforce the requirement.

Many Salt Lake City drivers benefit from carrying liability limits above the state minimum given how quickly medical and repair costs can exceed the statutory floor. Jerry can help you find affordable car insurance starting at just $51/mo.

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 50 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