Auto Insurance Coverage in Utah

In the Beehive State, car insurance rates are lower than the national average for both full and state required minimum coverage. The number and ratio of drunk driving related traffic deaths in this state is one of the lowest in the country. Utah has the lowest blood alcohol limit in the country at 0.05%, while it is 0.08 in the majority of states. And, the ratio of uninsured drivers at 6.5% is nearly half of the national average, which reduces the chance of being hit by a motorist who doesn’t have insurance to pay for your injuries and damages.

Collection of pictures from Utah

Utah Vehicle Insurance Requirements

The minimum state-required liability coverage:

  • $25,000 for bodily injury or death per person.
  • $65,000 total for bodily injury or death per accident.
  • $15,000 for property damage.

Utah is a no-fault state and also requires:

  • $3,000 Personal Injury Protection (PIP).

PIP pays for your and your families medical expenses and associated costs in an accident regardless of fault.

Utah Vehicle Insurance Premiums

The average cost of the state required minimum coverage is $539, which is $83 lower than the national average. The average cost of a full coverage policy is $1,510. Again, it is $504 cheaper than the US average.

Full coverage auto insurance policies not only protect your car with Collision and Comprehensive coverage but also usually offer increased levels of liability coverage. Hopefully, you’ll never need it, but there might come a time when you encounter one of those more substantial liability claims. At that point, you’ll truly appreciate having sufficient coverage, and the insurance provider will compensate the people for their injuries and damages you caused on your behalf, which will bring you considerable relief.

Competitive Car Insurance Companies in Utah

Drivers need to keep in mind that an automobile insurance company that is a top choice for their parents might not necessarily provide the most favorable rates for them. This is mainly because they might not share the same level of risk as parents who may boast years of driving experience and insurance history. Therefore, it’s advisable for them to get a few quotes to discover the most suitable auto insurance provider for their own circumstances. Relying on a single quote and making a decision isn’t recommended.

You may start your search with the below companies that are known to be the cheapest in Utah and check with several other carriers as well. When you pick the most competitive carrier in the Beehive State you may have the chance to save some money on car insurance.

  1. Auto-Owners
  2. Farm Bureau
  3. State Farm
  4. Geico
  5. American Family

The average vehicle insurance premiums in the cities of Utah are huddled around the state average including Salt Lake City. There isn’t any one that is sticking out to be out of the range. This is unusual because cities are more expensive for automobile insurance due to higher risks of accidents, auto thefts and crimes.

Important Utah Automobile Insurance and Driving Facts

  1. Vehicle insurers must offer $25,000 per person and $65,000 per accident Uninsured Motorist Bodily Injury coverage but this coverage can be declined in writing.
  2. In Utah, drivers must have and show proof of insurance when requested by law enforcement. In addition, the state cross-references its vehicle registration records with an insurance database. If a vehicle is registered in Utah but lacks a matching insurance policy, the registered owner receives a letter mandating the submission of insurance proof.
  3. If someone is found guilty of driving without insurance in court, the DMV can suspend the registration of the uninsured vehicle. Not having insurance is a Class B misdemeanor with a $400 minimum fine for a first offense, and $1,000 for subsequent offenses within three years. If convicted, the Utah Department of Public Safety (DPS) must suspend the person’s driver’s license. The license won’t be renewed or issued by DPS until proof of insurance is shown, along with payment of a reinstatement fee.
  4. Utah’s vehicle registration rate stands at 79 vehicles per 100 people, which is comparatively low.
  5. Utah boasts one of the nation’s lowest traffic accident fatality rates, indicating that its residents are good drivers.
  6. According to Bankrate, Utahns have a better average credit score at 727 than the national average too.
  7. This is great news because motorists with bad credit pay 77% higher auto insurance premiums on overage in this state, according to Forbes.

Determining whether your vehicle insurance premium is reasonable or excessive can be efficiently accomplished by seeking quotes from multiple sources and making comparisons. This approach swiftly unveils whether your existing insurer remains competitively priced or has lost ground. Furthermore, this method ensures you stay updated on the most recent policy offerings and other companies available in the market.