Salt Lake City Car Insurance

Do you need a car insurance policy that's been customized to your needs and budget?

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


As the capital of Utah, Salt Lake City is the state’s most heavily populated city. This means there are a lot of drivers on the city’s roadways, and this can significantly increase your risk of a collision. Fortunately, you can protect your finances with a Salt Lake City car insurance policy. Vehicle owners in the Salt Lake City metropolitan area are required to carry a car insurance policy that meets Utah’s state-mandated minimums. An independent insurance agent in our network can help you collect and compare Salt Lake City auto insurance quotes. That way, you can be sure you are getting a good policy at a reasonable rate.

Cost of Car Insurance in Utah

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • 40th most expensive auto premium in the U.S.

While the average car insurance rates in the state of Utah are lower than the national average, residents of the highly populated Salt Lake City metropolitan area should expect to pay rates that are higher than the state average. Of course, each vehicle owner is unique, so the only way to discover how much you should expect to pay for your particular policy is by comparing Salt Lake City car insurance quotes from a few reputable providers. Your costs will be calculated by the insurance companies based on several different factors, including but not limited to the type of car you drive, your driving record, the amount of coverage you wish to purchase and the size of your deductible.

Utah Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/65/15
  • Coverage up to $65,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage.

Insurance requirements are designed to protect all state drivers from catastrophic financial losses in the event of a serious accident. Of course, these minimums are not always high enough to fully protect you, so you may want to consider purchasing higher coverage limits. Failure to carry Salt Lake City auto insurance that meets Utah’s state-mandated minimums is a Class B misdemeanor. Violators will be subjected to a fine of at least $400 for the first offense and $1,000 for a subsequent offense if it occurs within three years of a previous conviction, as well as the suspension of their driver's license.


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Number of Uninsured Motorists in Utah

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Utah drivers: 5.80%

While the number of uninsured drivers on Utah’s roadways is lower than the national average, they still make up a significant number of drivers. If you are in a collision caused by an uninsured driver, that driver is responsible for covering the damage. Unfortunately, it can be hard to collect from an uninsured driver. However, if you carry uninsured motorist coverage, your insurance company will cover your damage and then pursue the at-fault driver in an attempt to collect reimbursement.

Number of Auto Thefts in Utah

  • National number of thefts per 1,000 vehicles: 2.94
  • Utah number of thefts per 1,000 vehicles: 3.13

Auto thefts in Utah exceed the national average, and the risk is highest in the Salt Lake City metropolitan area, which ranks 16th in the nation for car theft risk. Be sure to protect your vehicle from theft by parking in well lit, attended lots when possible, always locking your car, not leaving valuables in plain sight inside your vehicle and using an anti-theft device such as a club or car alarm. Also, be sure to add comprehensive, or “other than collision,” coverage to your Salt Lake City auto insurance policy.

Find the Best Salt Lake City Car Insurance Policy

When you are shopping for Salt Lake City auto insurance, you will want to be sure that you are buying a policy from a reputable insurance company and that you are not overpaying for your coverage. This means comparison-shopping is necessary, but it can be a time-consuming and frustrating endeavor. Fortunately, this process is easy when you enlist the help of an independent insurance agent in our network. These agents have relationships with a number of highly rated insurance companies, so they can quickly and easily provide you with a variety of affordable Salt Lake City car insurance quotes for policies that meet your coverage needs. 

Find an agent with an office in the Salt Lake City metropolitan area to get started.

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