Insurance Costs in South Jordan, UT
Auto insurance in South Jordan averages $1,226 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 South Jordan, UT: What You Need to Know
South Jordan residents pay an average of $1,226 per year for full coverage auto insurance, which is 12.0% below the Utah state average and 26.8% below the national average.
With a population of 77,487, South Jordan is a growing city in Utah. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,226 | $102 |
| Standard Coverage (50/100/50) | $1,005 | $84 |
| State Minimum (25/65/15) | $515 | $43 |
Homeowners Insurance in South Jordan, UT
The average cost of homeowners insurance in South Jordan is $1,098 per year ($92/month), which is 39.7% 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 South Jordan, UT
Renters insurance in South Jordan 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 |
|---|---|---|
| Salt Lake City | $1,560/yr | $1,130/yr |
| 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 |
How to Save on Insurance in South Jordan
- Shop around. Get quotes from at least 3-5 different insurers. Rates in South Jordan 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 South Jordan, UT?
The average cost of car insurance in South Jordan, UT is $1,226 per year for full coverage, or about $102 per month. Minimum coverage costs around $515 per year.
Is car insurance expensive in South Jordan?
Car insurance in South Jordan is relatively affordable compared to many U.S. cities.
How much is home insurance in South Jordan?
Homeowners insurance in South Jordan costs an average of $1,098 per year. Your actual cost depends on your home's value, age, construction type, and specific location.