best car policy Salt Lake City
2022
The Cheapest and Best Car Insurance in Salt Lake City
The Cheapest Car Insurance Companies in Salt Lake City
The companies with the cheapest full coverage policy in Salt Lake City are :
- GEICO: $677 per year
- Esurance: $990 per year
Former and current military personnel and their families in Salt Lake City will find USAA cable car insurance an even more low-cost option with an average annual bounty of $ 644. GEICO is the cheapest insurance caller in Salt Lake City for most drivers. Their annual broad coverage bounty is 107 % ( or about $ 729 ) lower than that of american english Family. The latter is the most expensive full coverage policy in the city, $ 1,406 per year. Full coverage policies include comprehensive and collision indemnity, though rates can vary depending on the indebtedness limits you select .
Cheapest Car Insurance in Salt Lake City
Full Coverage 100/300/100 As per our methodology, MoneyGeek collected average premiums for our sample distribution driver, a 40-year-old male with full coverage. Full coverage car policy includes comprehensive and collision coverage, which is why it ’ randomness much more expensive than minimum coverage. however, full moon coverage policies give you more protective covering after an accident and assistant wage for damages to your vehicle .
- Collision Insurance: This coverage pays for your car’s damages if you hit another vehicle or a stationary object.
- Comprehensive Insurance: This coverage pays for repairs to your car from non-collision damage or loss, including theft.
If your car is an older model, full coverage car insurance may cost more than its refilling value. If that ’ s your case, you may wish to consider state minimal or liability-only policy to get the cheapest coverage possible. Loading …
Cheapest Car Insurance in Salt Lake City for Minimum Coverage
In Salt Lake City and elsewhere, how much coverage you purchase is one of the biggest factors affecting the cost of your car indemnity. A policy only meeting state minimums costs $ 734 on average in Salt Lake City, while a full coverage policy with higher liability limits costs an average of $ 1,154, a difference of $ 420 .
Cheapest Minimum Liability Car Insurance in Salt Lake City
state Minimum By law, drivers in Utah must have 25/65/15 minimum liability indemnity. While this is the cheapest insurance, it besides provides the least auspices. You may have to pay out quite a bit more after an accident. For example, if you cause an accident, and the driver ‘s medical bills total $ 50,000, express minimum policy will alone cover up to $ 25,000 of that. You ‘ll have to pay the remaining $ 25,000 in checkup expenses yourself .
Utah Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 65,000 per accident and $ 15,000 for property damage. A more protective level is 100/300/100 .
- personal Injury Protection $ 3,000 per person .
Cheapest Car Insurance in Salt Lake City if You Have Driving Violations
Your cable car indemnity premium is affected by your force commemorate. Violations such as speeding tickets, at-fault accidents and DUIs leave in higher coverage costs. These insurers provide cheapest car insurance in Salt Lake City for your specific misdemeanor :
- Cheapest after a ticket: GEICO, $838 per year
- Cheapest after an at-fault accident: GEICO, $1,157 per year
- Cheapest after a DUI: American Family, $1,426 per year
If you ’ re able to improve your driving history, you can see your premiums reduced. That takes time, sol right after a ticket or car accident, workshop around to see which companies offer the most low-cost rates for drivers with bad records .
Cheapest Car Insurance in Salt Lake City With a Violation
Speeding ticket
Average Cost of Car Insurance in Salt Lake City
Salt Lake City
$1,154
Utah
$1,154
U.S.
$1,424
On average, the monetary value of car indemnity in Salt Lake City is around $ 1,154. In comparison, this rate is the same as the state of matter average annual premium but slenderly lower than the national rate. Salt Lake City drivers pay approximately 19 % less than the average rate in the country, which is $ 1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Salt Lake City
insurance carriers calculate car policy quotes in Salt Lake City by evaluating the risks associated with a driver. These determining factors may include your old age, gender, marital condition, driving history, ZIP code and fomite. For exercise, in Salt Lake City, middle-aged drivers tend to get the cheapest deals. meanwhile, adolescent drivers get higher premiums. A 40-year-old male pays an average of $ 677 for a GEICO policy in this city. On the other hand, the rate for an 18-year-old male is about four times that amount on average. This is why it is authoritative to regularly compare quotes from different companies. Since your circumstances can change, your car insurance premiums may besides fluctuate and you may qualify for discounts, rebates or other savings. Loading …
The Best Car Insurance Companies in Salt Lake City
MoneyGeek ranked car insurance companies in Salt Lake City to help drivers looking for a remainder of affordability and quality military service. Based on MoneyGeek ’ sulfur study, the best companies in the city for most drivers are :
- State Farm: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest mark of 100 out of 100. however, because USAA is only available to military members, veterans and their families, it is not listed as best overall. To calculate these scores, MoneyGeek considered insurance company fiscal stability, customer atonement and affordability, among other criteria. We besides used multiple resources, including findings by data analytics and consumer news caller J. D. Power .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
State Farm
score :
90
3/5 Affordability 3/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 3
GEICO
score :
90
5/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Allstate
seduce :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 5
CSAA
score :
82.5
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 6
Liberty Mutual
score :
82.5
Read more: The 7 Best Car Insurance Companies (2022)
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 7
American Family
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
Travelers
score :
80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 9
Safeco
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 10
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11
Progressive
score :
77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12
Nationwide
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
Average Cost of Car Insurance by Postal Code
average car insurance rates in Salt Lake City besides depend on where you live. annual average premiums based on ZIP codes in this city vary by $ 85 from the most expensive to least expensive neighborhoods .
- Zip Code State Minimum
per year
- 84121
$1,101
- 84120
$1,175
- 84119
$1,186
Factors That Impact Insurance Costs in Salt Lake City
In summation to person driver needs and history, location-specific factors like personal injury protection coverage requirements and the share of uninsured motorists besides contribute to car insurance rates in Salt Lake City. How Salt Lake City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities
156th
/ 300
Most car Thefts
238th
/ 300
Most uninsured Motorists by State
39th
/ 50
personal Injury Protection Required Yes
Most annual rain
221st
/ 300
Most showery Days
164th
/ 300
Methodology and Assumptions
MoneyGeek ’ sulfur average premium rates for Salt Lake City are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and driving record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the author
Mark Fitzpatrick is a elder content director with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the insurance market and creating master research and capacity. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .