Salt Lake City Car Insurance Cost (Cheapest Rates + 2025 Rankings)

• Average car insurance cost in Salt Lake City is $2,376 per year, or about $198 per month, for a full-coverage policy.
• Monthly car insurance rates for a few popular models in Salt Lake City include the Subaru Forester at $176, Honda Accord at $191, and Chevrolet Equinox at $182.
• Vehicles like the Chevrolet Trailblazer, Subaru Crosstrek, and Hyundai Venue are the top choices for cheap car insurance in Salt Lake City.
• Models with the lowest cost auto insurance in Salt Lake City in their automotive segment include the Acura Integra at $2,112 per year, Honda Passport at $1,892 per year, Subaru Crosstrek at $1,756 per year, and Acura RDX at $1,986 per year.

How much does car insurance cost in Salt Lake City?

Average car insurance rates in Salt Lake City cost $2,376 per year, or approximately $198 per month. When compared to the national average rate, Salt Lake City car insurance cost is 6.7% more expensive per year.

In the state of Utah, average auto insurance cost is $2,262 per year, so the average cost in Salt Lake City is $114 more per year. When compared to other larger cities in Utah, the cost of auto insurance in Salt Lake City is $122 per year more expensive than in Provo, $94 per year more expensive than in Orem, and $44 per year cheaper than in West Valley City.

Driver age influences the cost of auto insurance, so the list below illustrates this by breaking down average car insurance rates in Salt Lake City for driver ages 16 through 60.

Car insurance cost in Salt Lake City for drivers age 16 to 60

• 16-year-old rated driver – $8,462 per year or $705 per month
• 17-year-old rated driver – $8,198 per year or $683 per month
• 18-year-old rated driver – $7,346 per year or $612 per month
• 19-year-old rated driver – $6,689 per year or $557 per month
• 20-year-old rated driver – $4,780 per year or $398 per month
• 30-year-old rated driver – $2,536 per year or $211 per month
• 40-year-old rated driver – $2,376 per year or $198 per month
• 50-year-old rated driver – $2,104 per year or $175 per month
• 60-year-old rated driver – $1,970 per year or $164 per month

The chart below shows additional data for the 20 to 60-year-old age groups by showing a range of rates based on a range of driver ages and possible risk profiles.

Average rates in the previous chart range from $1,974 per year for a 40-year-old driver with a discount rate policy to $5,464 per year for a 20-year-old driver who is required to buy high-risk auto insurance. The overall average rate we use for comparison purposes is the 40-year-old safe driver rate, which has an average cost of $2,376 per year.

As a monthly cost, the average cost to insure a vehicle in Salt Lake City ranges from $165 to $455 for the same annual rate data shown in the chart above.

Salt Lake City car insurance rates vary considerably and are impacted by many different factors. The potential for large differences in cost emphasizes the need for accurate auto insurance quotes when looking for a cheaper car insurance policy.

Most popular vehicles in Salt Lake City

The prior rates take the cost to insure each 2024 vehicle model and average them, which is practical when making general comparisons like the difference in average auto insurance cost by location or driver age.

For more complete auto insurance comparisons, however, we should instead use rates for the specific model of vehicle being insured. Later in this article, we go into much more detail for specific makes and models of vehicles, but for now, we will explore just a few popular models to see how car insurance rates compare in Salt Lake City.

This next chart shows average insurance cost in Salt Lake City for popular vehicles.

Vehicle models that are popular in Salt Lake City tend to be compact or midsize cars like the Volkswagen Jetta, Honda Civic, and Kia K5 and small or midsize SUVs like the Nissan Rogue and Ford Explorer.

Other popular models from other vehicle segments include luxury SUVs like the Infiniti QX60 and Cadillac XT5, luxury cars like the BMW 530i and Lexus ES 350, and pickup trucks like the Toyota Tacoma and Ford F-150.

We will get into more rates a little farther down this article, but before we get into those numbers, let’s take a quick look at the primary concepts that we have covered in the data above.

• Average cost per month ranges from $164 to $705 – That’s the average car insurance price range for drivers aged 16 to 60 in Salt Lake City.
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $646 more per year for a $250 deductible policy versus a $1,000 deductible policy.
• Salt Lake City car insurance prices are more expensive than the Utah state average – $2,376 (Salt Lake City average) compared to $2,262 (Utah average)
• Car insurance is cheaper as you age – Car insurance rates for a 40-year-old driver in Salt Lake City are $2,404 per year cheaper than for a 20-year-old driver.
• Car insurance for a teenager can be very expensive – Rates range from $5,656 to $8,462 per year for insurance on a teen driver in Salt Lake City.
• Car insurance rates drop a lot between ages 20 and 30 – The average 30-year-old Salt Lake City driver will pay $2,244 less per year than a 20-year-old driver, $2,536 versus $4,780.
• Salt Lake City car insurance cost is more than the U.S. average – $2,376 (Salt Lake City average) compared to $2,221 (U.S. average)

What are the cheapest vehicles to insure in Salt Lake City?

The vehicles with the best auto insurance quotes in Salt Lake City tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Envision, and Hyundai Venue.

Average auto insurance prices for those vehicles cost $1,930 or less per year for a full coverage policy.

Some other models that rank in the top 20 in the comparison table below are the Buick Encore, Nissan Murano, Subaru Outback, and Kia Niro. The average rates are a little bit more for those models than the crossover SUVs that rank near the top, but they still have average rates of $2,066 or less per year, or about $172 per month in Salt Lake City.

The table below details the 20 cheapest vehicles to insure in Salt Lake City, ordered starting with the cheapest.

A table showing 20 vehicle rankings is not the best way to show a detailed summary of the cost of auto insurance in Salt Lake City. Due to the fact that we track over 700 vehicles, less than 3% of makes and models are shown in the table. Let’s take a different approach and display the most affordable vehicles a more sensible way.

The next section details the cost of car insurance based on automotive segment. These rates should give you a better idea of which vehicles have the most affordable auto insurance rates in Salt Lake City. The six sections after the chart break out the most affordable auto insurance for the most popular automotive segments.

Salt Lake City auto insurance rates by automotive segment

When car shopping, it’s a good idea to know which kinds of vehicles have cheaper car insurance rates. For example, you may be wondering if compact SUVs are more affordable to insure than minivans or if midsize pickups cost less to insure than full-size pickups.

The next chart displays average car insurance rates in Salt Lake City for different vehicle segments. From an overal segment perspective, small SUVs, vans, and midsize pickups have the most affordable rates, while large luxury, performance, and sports cars have the most expensive insurance rates.

Average insurance rates by segment are useful for blanket comparisons, but auto insurance cost varies considerably within each vehicle segment listed in the above chart.

For example, in the midsize luxury car segment, auto insurance rates in Salt Lake City range from the Mercedes-Benz CLA250 costing $2,444 per year for full coverage insurance up to the BMW M8 at $4,002 per year.

As another example, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe costing $2,228 per year up to the Toyota Sequoia costing $2,972 per year, a difference of $744 within that segment.

In the following sections, we eliminate this variability by comparing the cost of car insurance in Salt Lake City from the perspective of the vehicle model.

Cheapest cars to insure in Salt Lake City

The four cheapest 2-door and 4-door sedans and hatchbacks to insure in Salt Lake City are the Toyota GR Corolla at $2,064 per year, Nissan Leaf at $2,080 per year, Honda Civic at $2,104 per year, and Nissan Sentra at $2,178 per year.

Some other cars that are affordable to insure are the Kia K5, Toyota Prius, Chevrolet Malibu, and Honda Accord, with an average cost to insure of $2,312 per year or less.

Some additional cars that make the list include the Mitsubishi Mirage G4, Hyundai Sonata, Mazda 3, Nissan Versa, and Subaru Legacy, which cost between $2,312 and $2,456 per year for auto insurance in Salt Lake City.

From a monthly standpoint, full-coverage car insurance in this segment for a middle-age safe driver will start around $172 per month, depending on your location. The comparison table below ranks the cars with the cheapest average auto insurance rates in Salt Lake City.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Salt Lake City car insurance quotes from top-rated auto insurance companies in Utah.

Cheapest SUV insurance rates in Salt Lake City

The top five models for the lowest-cost Salt Lake City auto insurance rates in the non-luxury SUV segment are the Honda Passport, Chevrolet Trailblazer, Kia Soul, Subaru Crosstrek, and Nissan Kicks. Car insurance quotes for these models average $158 or less per month.

Not the cheapest to insure, but still ranked well, are SUVs like the Buick Envision, Hyundai Venue, Mazda CX-5, and Toyota Corolla Cross, with an average car insurance cost of $1,946 per year or less.

Car insurance in Salt Lake City for this segment for a middle-age safe driver will start around $146 per month, depending on your company and location.

If rates are ranked by vehicle size, the most budget-friendly non-luxury compact SUV to insure in Salt Lake City is the Subaru Crosstrek at $1,756 per year. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,892 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $2,228 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest insurance rates in Salt Lake City, starting with the Subaru Crosstrek at $146 per month and ending with the Subaru Ascent at $172 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Salt Lake City car insurance quotes from top companies in Utah.

Cheapest pickup insurance rates in Salt Lake City

Ranking highest for the most affordable Salt Lake City auto insurance rates in the pickup truck segment are the Nissan Titan, Ford Maverick, Nissan Frontier, Chevrolet Colorado, and Ford Ranger. Rates for these 2024 models average $2,304 or less per year.

Additional models that have affordable average insurance rates are the GMC Sierra 2500 HD, Hyundai Santa Cruz, GMC Canyon, and Toyota Tacoma, with average insurance cost of $2,442 per year or less.

Car insurance rates in this segment for a good driver can cost as low as $174 per month, depending on the company.

The rate comparison table below ranks the twenty pickups with the most affordable average car insurance rates in Salt Lake City.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Salt Lake City car insurance quotes from the best auto insurance companies in Utah.

Cheapest luxury cars to insure in Salt Lake City

The top three luxury car models with the lowest-cost auto insurance rates in Salt Lake City are the Acura Integra at $2,112 per year, the BMW 330i at $2,416 per year, and the Mercedes-Benz CLA250 at $2,444 per year.

Other models that have affordable insurance rates are the Lexus ES 350, Mercedes-Benz AMG CLA35, Lexus RC 300, and Genesis G70, with an average cost to insure of $2,496 per year or less.

Auto insurance for this segment in Salt Lake City can cost as low as $176 per month, depending on where you live and the company you use.

The comparison table below ranks the twenty cars with the cheapest insurance rates in Salt Lake City, starting with the Acura Integra at $2,112 per year ($176 per month) and ending with the Audi S3 at $2,662 per year ($222 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Salt Lake City car insurance quotes from top companies in Utah.

Cheapest luxury SUVs to insure in Salt Lake City

The four highest ranking luxury SUV models with the lowest-cost car insurance in Salt Lake City are the Acura RDX at $1,986 per year, Lexus NX 250 at $2,104 per year, Cadillac XT4 at $2,142 per year, and Jaguar E-Pace at $2,222 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Lexus UX 250h, Lincoln Corsair, Lexus NX 450h, and Lexus NX 350h, with an average car insurance cost of $2,292 per year or less.

Additional luxury SUVs that make the list include the Land Rover Evoque, Mercedes-Benz GLA250, Mercedes-Benz GLA35 AMG, and Lexus RX 350, which cost between $2,292 and $2,384 per year to insure in Salt Lake City.

Auto insurance for this segment in Salt Lake City for the average driver can cost as low as $166 per month, depending on the company.

The cheapest compact luxury SUV to insure in Salt Lake City is the Acura RDX at $1,986 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,222 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,662 per year.

The next table ranks the twenty luxury SUVs with the lowest-cost insurance rates in Salt Lake City, starting with the Acura RDX at $1,986 per year and ending with the Lexus RX 350 at $2,384 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see insurance cost for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Utah.

Cheapest sports car insurance rates in Salt Lake City

The top-ranked vehicle in Salt Lake City for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, costing an average of $2,196 per year. Second place is the Toyota GR86 at $2,502 per year, and the third most affordable is the Ford Mustang, at an average of $2,612 per year.

Not the cheapest sports cars to insure, but still very reasonable, are cars like the Subaru BRZ, BMW M2, Nissan Z, and Toyota GR Supra, with an average car insurance cost of $2,840 per year or less.

On a monthly basis, full-coverage auto insurance on this segment in Salt Lake City starts at an average of $183 per month, depending on where you live and the company you use.

The next table ranks the sports cars with the lowest-cost insurance rates in Salt Lake City, starting with the Mazda MX-5 Miata at $2,196 per year and ending with the Porsche Taycan at $4,024 per year.

Don’t see your sports car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Salt Lake City.

Saving money on car insurance

Drivers should always be looking to cut the monthly cost of auto insurance, so take a minute and read through the tips in this next list and it’s very possible you can save a little cash on your next policy.

• Shop around for a better deal. Taking a couple of minutes every year or so to get some free car insurance quotes is our best recommendation for saving money. Rates change often and you can change companies at any time.
• Find cheaper rates by qualifying for policy discounts. Discounts may be available if the insured drivers work in certain occupations, are senior citizens, sign their policy early, are military or federal employees, are accident-free, or many other policy discounts which could save the average Salt Lake City driver as much as $402 per year on auto insurance.
• Save money due to your choice of occupation. Just about all car insurance providers offer policy discounts for specific occupations like emergency medical technicians, lawyers, scientists, firefighters, accountants, police officers and law enforcement, and others. Being employed in a qualifying occupation could potentially save between $71 and $231 on your yearly insurance bill, depending on the policy coverages selected.
• Raising physical damage deductibles lowers cost. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Avoid traffic tickets to pay less. In order to have the cheapest auto insurance in Salt Lake City, it makes good sense to be a safe driver. Just a couple of minor driving infractions can increase the cost of a policy by up to $632 per year.
• Don’t file small claims. Car insurance companies give a discount if you do not file any claims. Car insurance should be used for significant claims, not for small claims.
• Compare car insurance rates before buying a car. Different vehicles can have very different insurance premiums, and auto insurance companies can sell coverages with very different rates. Get multiple insurance quotes before you buy a different vehicle to prevent price shock when you get your insurance bill.