Salt Lake City drivers pay an average of $1,845/year — $74 more than the national average. With 2,447 crashes per year and a 2.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $621/year.
(888) 217-6781Estimated full coverage auto insurance rates for Salt Lake City, UT from top carriers. Rates are adjusted for Salt Lake City's 2,447 annual crashes, 2.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $614 | $102/mo |
| GEICO | $698 | $116/mo |
| Bear River Mutual | $740 | $123/mo |
| Progressive | $788 | $131/mo |
| State Farm | $860 | $143/mo |
Estimates based on 2026 rate filings for ZIP 84138. USAA is cheapest at ~$102/mo. Actual rates vary by driver profile and exact Salt Lake City location.
These Salt Lake City-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Salt Lake City, UT. Takes under 2 minutes.
(888) 217-6781Salt Lake City is a mid-size city in Utah with a population of 199,723. While it avoids the extreme congestion of larger metros, Salt Lake City has its own risk factors — growing commuter traffic, expanding development, and snow, ice, inversions, flash flooding, dust storms — that shape local auto insurance rates. Drivers in Salt Lake City typically pay close to the Utah state average, with significant variation by ZIP code and neighborhood.
For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.
Your specific ZIP code within Salt Lake City can swing your premium by hundreds of dollars. Here's how rates compare across Salt Lake City neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 84150 | Salt Lake City South Side | $1,742/yr | $145/mo |
| 84139 | Salt Lake City North Side | $1,825/yr | $152/mo |
| 84150 | Salt Lake City West Side | $1,832/yr | $153/mo |
| 84148 | Salt Lake City East Side | $1,852/yr | $154/mo |
| 84138 | Salt Lake City Downtown/Central | $2,000/yr | $167/mo |
The cheapest ZIP is 84150 (Salt Lake City South Side) at $1,742/yr. The most expensive is 84138 (Salt Lake City Downtown/Central) at $2,000/yr — a $258/year difference for the same driver.
Your Salt Lake City ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Salt Lake City. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,875/yr | $323/mo | +110% vs avg |
| Young Adult (20-25) | $2,583/yr | $215/mo | +40% vs avg |
| Adult (26-35) | $1,845/yr | $154/mo | 0% vs avg |
| Mid-Career (36-50) | $1,624/yr | $135/mo | -12% vs avg |
| Senior (51-65) | $1,531/yr | $128/mo | -17% vs avg |
| 65+ | $1,642/yr | $137/mo | -11% vs avg |
Teens in Salt Lake City pay an average of $3,875/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,531/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Utah cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Salt Lake City drivers can save up to $621/year. ZIP 84150 (Salt Lake City South Side) has the lowest rates starting at $1,742/yr.
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