Cheap Car Insurance in Salt Lake City, UT
Free Auto Insurance Comparison
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UPDATED: Nov 17, 2020
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In the market for cheap auto insurance in Salt Lake City, UT? From AutoInsuranceEZ.com, you’ll find the cheapest insurance premiums within your town. In order to obtain free car insurance prices offered by the best rated providers immediately, key your local zip code within the quote box in this article.
Salt Lake City is famous for its history, culture, and economic success over the years. While originally founded by Mormons seeking religious freedom in the mid 1800’s, it prospered into a trading and transportation hub for the western mountain region with the arrival of the railroads. Salt Lake City was also a recent host of the 2002 Olympics, and its picturesque natural beauty attracts tourists and nature enthusiasts year-round.
- Fun fact: the air is a little thin up here…possibly because Salt Lake City is #32 on the list of “Top 100 highest located cities (pop. 50,000+)”. Intrigued by finding out more about Salt Lake City? Click here!
Auto Insurance Coverage Requirements in Utah
Driving legally in Salt Lake City requires:
|Bodily Injury Liability||25,000/65,000||100,000/300,000|
|Property Damage Liability||15,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||10,000/20,000|
|Personal Injury Protection||Not required||Utah basic plan/ $3,000 medical|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||1000 deductible|
The Liability requirements, especially for Bodily Injury, are a little bit higher in Utah than what you might expect to find in other states. But keep in mind that Liability insurance is extremely limited in what claims your insurer will pay out on. Getting your car stolen, for example, is not covered at all by Liability coverage.
Your typical monthly payment for Utah auto insurance might run as high as $99 each month for your typical motorist. However, living in Salt Lake City can get you a rate as low as $46/mo*! If you're eager to reduce your monthly premium, keep reading.
For the absolute cheapest rate you can find, You should probably look toward Allied or Unigard. However, their low quotes are based on statistics for the average driver. And if you have circumstances which deviate from the norm, such as poor credit or a history of accidents, such rates may not apply to you.
Those that provide you with auto insurance policies contemplate several elements while determining quotes. These may include driving experience, zip code, your credit rating, how far you have to drive in order to get to work each day, and theft protection devices. Also, premiums differ from one company to another. To discover if you’re still being charged the best cost, evaluate cheap Salt Lake City auto insurance rates on the internet.
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Major Car Insurance Factors in Salt Lake City
At the time your car insurance provider sits down to create your insurance plan, they take quite a few factors into account. A few of these, like how old you are or your specific address, are usually extremely hard to change. Here are various other examples:
Your Zip Code
The place you store your automobile every night will likely have a significant influence on your car insurance rate. Typically, car insurance cost less in rural areas merely because a lesser number of cars indicates a reduced chance that you’ll get into an accident with some other automobile. The populace of Salt Lake City is 191,180 and the normal household income is $50,827.
Although the accident statistics aren't huge for Salt Lake City, they may be high enough to make local insurance companies uncomfortable. And if your insurance provider is uncomfortable with the number of fatal accidents in your area, they may raise rates. But ask your agent if they offer any safe driver discounts you might be able to apply for.
Auto Thefts in Salt Lake City
Anti-theft devices are a great way to protect yourself from auto theft. They are relatively affordable, easy to have installed, and once equipped, require little effort on your part. And best of all, most insurance companies will give you a discount on your auto insurance just for having one! Within Salt Lake City, they had 1,876 auto thefts during 2013. That's a higher per capita auto theft rate than some of the biggest cities in the country. So you had better make sure you have Comprehensive coverage on your automotive insurance policy.
Your Credit Score
You might end up seeing a significant increase in your monthly rate the lower your credit score goes. In fact, your monthly premium could be double or more that which drivers with excellent credit pay if you happen to have poor credit.
I you are a young driver, you should be doing everything you can - including taking a driver's ed course and getting the best possible grades in school that you can - because young drivers are charged some of the highest insurance rates around. Besides collecting discounts, the only thing that will bring your monthly rate down is time, and driving experience.
Your Driving Record
Having a pristine driving record will, of course, yield the lowest possible rate. But if you only have a minor violation or two, talk to your insurance agent about Accident Forgiveness discounts. It's a new type of discount, so many motorists might not know about it or that they can save money by asking for it.
It is essential to carry as much coverage as you might need to pay for the cost of replacing your vehicle, and a little extra just in case there are medical bills or property damages associated with a potential accident. For this reason, you can see why it might cost so much more to insure a luxury vehicle than any other type of automobile.
Minor Car Insurance Factors in Salt Lake City
After you've adjusted for the factors above, be sure to pay close attention to these factors also:
Your Marital Status
Married couples should definitely be bundling their auto policies together, if they aren't doing so already. You might also want to think about adding additional policies into this bundle, such as homeowner's insurance, assuming your provider offers multiple financial products.
Believe it or not, most automotive insurance providers don't even factor gender into the equation when calculating premiums anymore. For the few that do, they can't seem to agree on whether men or women should be charged more (but it rarely results in anything more than a 2-3% difference in price).
Your Driving Distance to Work
Commute times in and around Salt Lake City aren’t too bad; on average, most drivers will only spend between 17 and 23 minutes behind the wheel in each direction. Around 71% of those will be driving alone in their own truck or car, and an additional 12% will carpool. Less than 5% take the bus.
Did you know that you might be able to lower your insurance rates by driving less? Some companies pay attention to how many miles you usually drive per year. However, you'd have to cut at least 14 miles out of your daily commute on a consistent basis, just to get a modest 3-4% discount.
Your Coverage and Deductibles
Another way you can lower your monthly payment is by changing your deductible. If you raise the amount you are financially responsible for before your insurer will pay out on a claim, you can significantly lower your monthly bill.
Education in Salt Lake City, UT
Salt Lake City is a very well-educated city; almost 21% of its citizens have earned a bachelor’s degree, while 20% have a high school diploma. Although you might not expect it, this can translate into lower auto insurance rates if you are the proud owner of a higher education! Ask your provider for details on education-related discounts.
Salt Lake City is the proud home of one of the oldest universities west of the Mississippi, the University of Utah. It was founded in the mid-1800s and today prides itself on its medical school, its famous Arboretum, and technology research. Alternatively, Westminster College is a private university offering bachelor’s degrees, post-graduate programs, and certificates.
You mustn’t make it possible for a poor auto insurance agency to persuade you into investing in a policy that is not best for you. Yes, the amount of data required in order to determine your personal risk profile may be too much to handle, but comparison sites such as this might help make your search easier. Just provide a few specifics below, and we shall take it from there.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Compare rates right away and save tons on your upcoming insurance payment.