Cheap Utah Auto Insurance for 2024
In Utah, drivers can find affordable rates for auto insurance. Like most states, many factors affect your auto insurance rates in Utah, including age and gender. To find the cheapest Utah auto insurance rates in your area, shop around from multiple companies and use our free tool below.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When it comes to Utah auto insurance, rates are slightly higher than the national average.
Understanding auto insurance can help you make sense of why Utah car insurance is more expensive, and also why affordable Utah auto insurance is easier to find for some people than for others. We’ve got everything you need to know right here.
Before you buy Utah auto insurance, make sure you have the best price by shopping around. Enter your ZIP code for free Utah auto insurance quotes.
Utah Auto Insurance Requirements and Minimums
In Utah, the state liability coverage minimums are:
- Bodily Injury $25,000 per person
- Bodily Injury $65,000 per accident
- Property Damage $15,000 per accident
Take a look at how Utah’s minimum rates compare with surrounding states.
Personal Injury Protection (PIP) coverage minimum:
- $3,000 coverage per person
Optional coverage choices in Utah include:
- Comprehensive Coverage
- Collision Coverage
- Uninsured/Underinsured Motorist Coverage
- Rental Car Reimbursement Coverage
- Roadside Assistance / Towing and Labor Coverage
One of the main reasons that Utah auto insurance rates are higher than the national average is due to no-fault auto insurance. Utah is a no-fault auto insurance state. No-fault insurance means that a driver who is involved in an accident is reimbursed for their costs by their own insurance company regardless of fault.
A driver is also unable to use the legal system to attempt to recover damages from another party that was involved in an accident. Drivers in Utah who accrue more than $2,000 in medical bills due to an accident may qualify for the use of a civil case in order to recover damages. However, this should be reviewed with a lawyer who is familiar with Utah state law.
Utah auto insurance requires 25/65/15 of liability coverage. This amount of coverage is the minimum amount that is required by the state of Utah and can be increased by the policyholder. Many policyholders choose to increase the amount of coverage that they have in order to protect themselves from further liability.
The $25,000 minimum coverage amount applies to liability insurance per person for a bodily injury. When an accident occurs, each individual would be covered by $25,000 in liability insurance from the accident. The other driver and passengers in both vehicles are covered by this policy. $65,000 in maximum coverage is allowed for bodily injury in each accident.
This is the maximum amount that an insurance company will pay out for all claims unless the limit is raised. $15,000 in property damage is covered by the state minimum insurance. This applies to damage done to the property of others when you are at fault for an accident.
Drivers should strongly consider raising their coverage from the state-auto insurance requirements. The limits that are in place in the state of Utah are adequate for a minor accident but could leave a driver without recourse for large accidents. Drivers who even have a minor accident may exceed the minimum amount of coverage that the state requires.
Another minimum requirement that the state of Utah enforces is personal injury protection insurance or PIP. This policy requires all insured drivers in the state of Utah to have $3,000 in medical coverage. This policy will cover the medical costs of a driver who is involved in an accident. Drivers often increase this coverage to $10,000 or $25,000 to ensure that all of their medical costs are covered.
Uninsured/underinsured motorist insurance is also available from automobile insurance companies in the state of Utah. This coverage will allow drivers who are involved in an accident with a driver who does not have valid insurance or doesn’t have enough coverage to receive compensation for their losses.
This is a coverage that every driver should consider because it only requires a few extra dollars per month but can save tens of thousands of dollars if a driver were involved in an accident.
Collision coverage is not required for vehicles in the state of Utah. Drivers who have a fairly new vehicle or a vehicle that is on a lease/loan may be required by their finance company to take out collision coverage. A collision coverage policy covers a driver in case their vehicle is involved in an accident with another vehicle, object, or rolls over. Replacing parts after a crash can cost thousands of dollars for drivers who are not insured by collision coverage.
Comprehensive coverage is also available for drivers who want to be covered for numerous reasons. Comprehensive coverage protects a vehicle against theft, vandalism, arson, glass damage (read our “Affordable Full Glass Auto Insurance Coverage” for more information), and numerous other incidents. Drivers who have a vehicle that is on a lease or financed by a bank may want to purchase this coverage. Banks may also require it as part of the lease or financing agreement.
Luckily the insurance rates in Utah are much cheaper in comparison to the other states in the nation.
We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.
Unsurprisingly, rates increase as we get to the larger cities of Salt Lake City and Ogden.
There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.
While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.
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Utah Auto Insurance Rates by Company
Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.
But which companies are the largest, holding the most market share percentage in the region?
Utah Auto Insurance Agents Directory
Utah Auto Insurance Agents
- Get Affordable Midvale, UT Auto Insurance Quotes (2024)
- Get Affordable Monroe, UT Auto Insurance Quotes (2024)
- Get Affordable West Valley, UT Auto Insurance Quotes (2024)
Additional State of Utah Auto Insurance Resources
- Utah Division of Motor Vehicles
- Utah Division of Motor Vehicles – Insurance Frequently Asked Questions
- Utah Insurance Department – Company And Agent Search
- Utah Auto Insurance Requirements
- Utah Highway Safety Laws
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Utah Auto Insurance Quotes
Utah requires that all drivers have valid auto insurance to be on the road. A driver who is caught without valid auto insurance can be convicted of a misdemeanor and have to pay a large fine. While Utah does require no-fault auto insurance, there are a number of auto insurance companies that provide competitive rates for this type of insurance.
If you are a Utah driver and ready to start getting quotes to insure your automobile, simply enter your ZIP code to begin.
Best Auto Insurance Agents in Utah
| Auto Insurance Agents in Utah |
|---|
| Midvale, UT |
| Monroe, UT |
| West Valley, UT |
Frequently Asked Questions
What are the minimum auto insurance requirements in Utah?
In Utah, the state liability coverage minimums are 25/65/15, which means you must have at least $25,000 bodily injury coverage per person, $65,000 bodily injury coverage per accident, and $15,000 property damage coverage per accident.
What is personal injury protection (PIP) coverage?
Personal injury protection (PIP) coverage is a requirement in Utah. It provides coverage for your medical expenses and related costs, regardless of who is at fault in an accident. The minimum PIP coverage required in Utah is $3,000, but drivers often choose to increase this coverage.
Do I need uninsured/underinsured motorist insurance in Utah?
Uninsured/underinsured motorist insurance is not mandatory in Utah, but it is strongly recommended. This coverage protects you if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to compensate you for your losses.
Is collision coverage required in Utah?
Collision coverage is not required by law in Utah. However, if you have a fairly new vehicle or a vehicle that is leased or financed, your finance company may require you to carry collision coverage.
What is comprehensive coverage? Do I need it in Utah?
Comprehensive coverage is optional but highly recommended, especially if you have a vehicle that is leased or financed. It protects your vehicle against theft, vandalism, fire, and other non-collision incidents. Comprehensive coverage is not mandated by Utah law.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
