Auto Insurance Coverage in Utah

There are a few good things going for drivers in the Beehive State. First of all, car insurance rates are lower than the national average for both full and state required minimum coverage. Secondly, drunk driving related traffic deaths are one of the lowest in the country. Utah has the lowest blood alcohol limit in the country at 0.05 percent. Thirdly, uninsured drivers (8%) are well below the national average, which reduces the chance of being hit by a motorist who cannot pay for your damages.

Utah Car Insurance Premiums

Average cost of state required minimum coverage is $539, which is $83 lower than the national average. This is a good indication that overall risks are lower so underwriters are happy to offer reasonable prices.

When you find these low rates, you may as well buy full coverage auto insurance and the average cost is $1,510. Again, it is $504 cheaper than the US average. Full policies not only protect your car but also usually offer increased levels of liability coverage. Hopefully, you will never need it but you may face one of those higher liability claims. Then, you will really be glad that you have enough protection and the carrier takes care of it for you.

Collection of pictures from Utah

Utah Vehicle Insurance Requirements

It is a legal requirement that liability coverage must include at least following provisions;

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

It should also have

  • $3,000 personal injury protection (PIP).

Utah is a no-fault state. That is why you need PIP to pay for your injuries in an accident regardless of fault.

For better protection on the roads, you may want to have Uninsured Drivers Coverage too. You can find a lot more information on the official website. The commissioner’s office is there to regulate the practices and protect consumers.

Competitive Auto Insurance Companies in Utah

Motorists should remember that a highly competitive company for their parents may not necessarily offer them the best rates because they are probably not in the same risk category as parents who may have years of driving experience, clean records, good credit score. So, they should always shop around to find the ideal vehicle insurer for themselves and never get one quote and go with it. Why not start the search with these names that are the cheapest in Utah. There is a good mix to give it a try from a small to large and the usual suspect.

  1. Bear River, $514
  2. GEICO, $604
  3. Farm Bureau, $798

When you pick the most competitive carrier in the Beehive State you can save as much as 50%. There isn’t any other single discount that is this big, including no claim and good driver together. So, it is clear that you can save hundreds of dollars if you often shop for vehicle insurance and switch when you find a good deal.

To make it even clearer, just look at the estimated quotes for liability only coverage and you will see the difference between the cheapest (Bear River, $514) and third (Farm Bureau, $798). That is $284 savings just for going with Bear River rather than Farm Bureau. Imagine how much you would economize by switching from one of the expensive carriers to one of the cheapest ones. And imagine you want to buy full coverage rather than the basic policy.

These three companies remain to be the cheapest throughout Utah. Premiums in cities are huddled around the similar average estimated quotes nicely 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.