Insurance Costs in Salt Lake City, UT
Auto insurance in Salt Lake City averages $1,560 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Salt Lake City, UT: What You Need to Know
Salt Lake City residents pay an average of $1,560 per year for full coverage auto insurance, which is 12.0% above the Utah state average and 6.8% below the national average.
With a population of 199,723, Salt Lake City is a mid-size city in Utah. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,560 | $130 |
| Standard Coverage (50/100/50) | $1,279 | $107 |
| State Minimum (25/65/15) | $655 | $55 |
Homeowners Insurance in Salt Lake City, UT
The average cost of homeowners insurance in Salt Lake City is $1,130 per year ($94/month), which is 37.9% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Salt Lake City, UT
Renters insurance in Salt Lake City averages $168 per year ($14/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Utah Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| West Valley City | $1,504/yr | $1,022/yr |
| Provo | $1,282/yr | $947/yr |
| Orem | $1,254/yr | $947/yr |
| Sandy | $1,282/yr | $1,022/yr |
| St. George | $1,254/yr | $990/yr |
| Ogden | $1,463/yr | $915/yr |
| Layton | $1,323/yr | $968/yr |
| South Jordan | $1,226/yr | $1,098/yr |
How to Save on Insurance in Salt Lake City
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Salt Lake City can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Salt Lake City, UT?
The average cost of car insurance in Salt Lake City, UT is $1,560 per year for full coverage, or about $130 per month. Minimum coverage costs around $655 per year.
Is car insurance expensive in Salt Lake City?
Car insurance in Salt Lake City is relatively affordable compared to many U.S. cities.
How much is home insurance in Salt Lake City?
Homeowners insurance in Salt Lake City costs an average of $1,130 per year. Your actual cost depends on your home's value, age, construction type, and specific location.