Salt Lake City car insurance averages approximately $185 per month for full coverage in 2026, above the Utah state average due to heavier traffic along the Wasatch Front and winter driving conditions. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
What is the Average Cost of Car Insurance in Salt Lake City?
According to our recent insurance quotes cost database for Salt Lake City, Utah – the average rate for state minimum coverage is $104 monthly or $1,247 yearly. Full coverage would cost $250 a month or $3,002 a year.
Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on your current county.
Who are the Cheapest Insurance Providers in Salt Lake City?
In Salt Lake City the cheapest providers are Progressive, Geico and Allstate. Here is a cost breakdown of each for state minimum liability and full coverage costs on average:
| Insurance Provider: | State Minimum Monthly: | State Minimum Liability Annual: | Full Coverage Monthly: | Full Coverage Annual: |
|---|---|---|---|---|
| Progressive | $74 | $883 | $190 | $2,276 |
| Geico | $77 | $921 | $195 | $2,339 |
| Allstate | $99 | $1,192 | $252 | $3,018 |
| State Farm | $130 | $1,557 | $294 | $3,534 |
| Mid-Century | $140 | $1,684 | $320 | $3,842 |
State Minimum vs. Full Coverage Costs by City
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on your current city for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $30,000 per person
- $65,000 per accident
- $25,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
Salt Lake City car insurance averages approximately $185 per month for full coverage in 2026, above the Utah statewide average of roughly $150-165/month. As the state’s capital and largest city, Salt Lake City sees heavier traffic congestion along the Wasatch Front and more winter-weather accidents than smaller Utah cities.
Utah requires liability coverage of at least 30/65/25 — $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage — along with $3,000 in Personal Injury Protection (PIP). Utah is a no-fault state, and insurers cannot apply a deductible to PIP benefits.
Yes. Salt Lake City’s mountain-valley location means significant winter snow and ice, which increases collision claims during the ski season. Comprehensive and collision coverage are worth carrying given the frequency of weather-related accidents along the Wasatch Front.
State Farm and GEICO are typically among the most competitively priced carriers in Salt Lake City. Drivers who bundle policies and maintain a clean record tend to see the largest discounts in this market.
Many drivers choose higher PIP limits or add health-insurance coordination, since $3,000 in PIP can be exhausted quickly after a serious accident. Combined with Utah’s no-deductible PIP rule, reviewing your policy limits with an agent is worthwhile before relying on the state minimum.
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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.
