Hit the Road with Confidence: Affordable Utah Car Insurance Plans!

Navigating the scenic roads of Utah requires reliable car insurance that meets state regulations and personal needs. Explore your options for comprehensive coverage that gives you peace of mind behind the wheel in the Beehive State.

Key Takeaways

  • Utah mandates specific minimum auto insurance requirements, including bodily injury liability, property damage liability, and personal injury protection.
  • Collision and comprehensive insurance, although not obligatory, are advisable for comprehensive vehicle protection.
  • When registering a vehicle in Utah, you must provide necessary documentation, including the most recent registration, title, safety inspection certificate, and emission certificate.
  • Utah has clear regulations for teen drivers, allowing them to acquire a learner’s permit at age 15 and a full driver’s license at age 16, with specific supervised driving requirements.

Utah car insurance state minimums

Coverage typeState requirements
Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$25,000 limit per person/$65,000 limit per accident
Property damage liability
Helps cover expenses related to the damage of another person’s property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$15,000 limit
Uninsured motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.
Not required
Underinsured motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance.
Not required
Personal injury protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
$3,000 limit
Collision
Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident.
Not required
Comprehensive
Assists in managing costs related to the repair or replacement of your vehicle when it’s stolen or damaged by events such as storms or vandalism.
Not required

What Requirements In Utah Car Insurance

All drivers in Utah are obligated to carry evidence of auto insurance and provide it to law enforcement officers when requested. 

What Requirements In Utah Car Insurance

The state mandates the following minimum car insurance coverage:

  1. Bodily injury liability: $25,000 per person and $65,000 per accident.
  2. Property damage liability: $15,000 per accident.
  3. Personal injury protection: $3,000 per accident (note: the “loss of income” component of PIP coverage can be declined in writing).
  4. Uninsured motorist: $25,000 per person and $65,000 per accident (optional with written rejection).
  5. Underinsured motorist: $25,000 per person and $65,000 per accident (optional with written rejection).

What is the average cost of car insurance in Utah?

The average cost of car insurance in Utah, as reported by thezebra.com in 2021, is approximately $1,362. This figure is 9% lower than the national average. However, it’s essential to note that your specific auto insurance cost will be influenced by various factors, such as your age, location, and driving history.

Individuals may opt for minimal coverage, while others may prioritize comprehensive protection for added security. Liberty Mutual offers customizable auto insurance in Utah, allowing you to tailor your coverage to your specific needs, ensuring you only pay for what is necessary.

Who has the cheapest car insurance in Utah?

While it’s tempting to seek the cheapest car insurance in Utah, it’s crucial to prioritize both affordability and reliability, especially in the event of an accident.

Who has the cheapest car insurance in Utah?

Liberty Mutual offers affordable auto insurance policies that are known for their reliability. In fact, their rates can be surprisingly budget-friendly, with significant savings compared to some other prominent insurance providers in Utah:

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

So, with Liberty Mutual, you can secure both cost-effective and dependable auto insurance coverage.

What Other Types of Utah Insurance Should I Have?

When considering insurance coverage in Utah, it’s essential to think beyond the basic requirements. Here are some additional types of insurance to consider:

1. Collision and Comprehensive Insurance

While liability and personal injury protection (PIP) insurance cover various situations, they do not address damage to your own vehicle. Collision insurance is crucial for instances where someone else is at fault, and you want to avoid legal action. It’s also beneficial for your own mishaps, like hitting a pole or a guardrail.

Comprehensive coverage is necessary for damage caused by factors such as floods, hail, fires, falling objects, vandalism, or encounters with wildlife like deer. It also provides protection against car theft. These coverages are typically required if you have a car loan or lease.

2. Uninsured & Underinsured Motorist Coverage

Dealing with uninsured drivers can be problematic, as they might lack the means to cover accident-related expenses. This can lead to financial burdens for other drivers who then need to purchase additional insurance. Uninsured and underinsured motorist (UM and UIM) coverage helps protect you in such situations.

In Utah, insurance companies are required to offer UM and UIM coverage, although you have the option to decline it in writing. These coverages focus on injuries resulting from accidents with uninsured or underinsured drivers.

3. Uninsured Motorist Property Damage (UMPD)

UMPD covers the costs of property damage caused by uninsured motorists, whether it’s damage to your vehicle or other property like a fence. If you don’t have collision coverage, UMPD is a must in Utah.

Utah Teen Driving Laws

Utah Teen Driving Laws

In Utah, teenagers can begin the process of acquiring their driver’s license at the age of 15 when they become eligible for a learner’s permit. This permit allows them to operate a vehicle, but only under the supervision of an approved instructor or a licensed parent or guardian.

Upon reaching the age of 16, teenagers who have held a learner’s permit for at least six months and completed a minimum of 40 hours of instructed driving are eligible to apply for a full Utah driver’s license. This driving experience should include a minimum of 10 hours of nighttime driving practice.

It’s crucial to be aware that, in Utah, drivers under the age of 17, whether they hold a learner’s permit or a driver’s license, are subject to restrictions. Specifically, they are not allowed to drive between the hours of midnight and 5 AM, with certain exceptions applying in specific situations.

Utah Registration Information

When registering a vehicle in Utah, you will need to provide the Division of Motor Vehicles (DMV) with the following documents for each vehicle:

  1. The most recent registration.
  2. The vehicle’s title.
  3. A Utah safety inspection certificate, if it is required.
  4. A Utah emission certificate, if it is required.
  5. Serial number (VIN) inspections, particularly if the vehicle is being titled in Utah for the first time.
  6. Ensure that at least one person’s name, who should be included on the new title, is provided.

When you register and title a vehicle in Utah for the first time, you must complete the “Application to Register/Title” (Form TC-656) and submit it to a Motor Vehicle office, along with the required inspection certificates and proof of vehicle ownership.

FAQs

1. What is the best price for car insurance in Utah?

The most competitive average price for minimum coverage in Utah is $41 per month, offered by Auto-Owners. Auto-Owners also provides the best price for full coverage, which is $95 per month.

2. How much will I spend on car insurance in Utah?

On average, a minimum-coverage policy in Utah costs around $66 per month. However, more affordable rates are available from Auto-Owners and Farm Bureau.

3. How much is car insurance in Utah per month?

The average monthly cost of car insurance in Utah is approximately $66 for minimum-coverage policies and $138 for full coverage.

4. Why is car insurance so expensive in Utah?

Utah’s average insurance price of $138 per year for full coverage ranks it as the 22nd-cheapest state for car insurance. Minimum coverage rates are relatively higher at $66 per month, potentially due to the state’s higher minimum coverage limits. Factors such as living near a major city with heavy traffic or poor road conditions may also contribute to higher rates.

5. What kind of car insurance do I need in Utah?

In Utah, you can have a minimum of $25,000/$65,000 in bodily injury liability coverage and $15,000 in property damage coverage. Additionally, you must carry at least $3,000 of personal injury protection, as Utah follows a no-fault insurance system.

Leave a Reply