Let Us Help You Find Cheap Car Insurance In Utah

CheapInsurance.com has put together information for car insurance quotes and expert tips to take the hassle out of finding cheap car insurance in Utah.

Utah is known for its skiing, with the mountains near Salt Lake City collecting an average of 500 inches of snow per year. It also hosts one of the world’s premiere independent film festivals, the Sundance Film Festival.

While it’s hot and sunny in some areas in Utah, it may be snowing in others, so it’s important to drive safely to avoid having an accident.

Traveling by car in snowy or icy conditions is dangerous, even at slower speeds. Fortunately, research shows that Utah has the eighth best road conditions in the country.

Driving without auto insurance in Utah is classified as a class B misdemeanor and can result in fines ranging from $400 to $1,000 if you are convicted.

If a person is convicted in court or found through a Department of Public Safety (DPS) administrative hearing to have been operating a motor vehicle without insurance, the DMV may suspend the uninsured vehicle’s registration.

When a driver is convicted of failure for not having vehicle insurance, the Utah Department of Public Safety (DPS) is required to suspend their driver’s license.

Beehive State Cruising: Updates & Insurance Insights for Utah 2024

Get ready to explore majestic mountains, desert landscapes, and bustling cities in Utah with these key updates for drivers in 2024:

Utah Vehicle Code Changes:

  • Vintage vehicle registration changes (effective January 1st, 2024): Vintage vehicle owners now need a signed statement confirming safe operation and purpose to register, and emissions inspections are no longer required for models 1980 and older. (Source: Utah Code Section 41-1a-226)
  • Increased emphasis on license plate compliance: Expect stricter enforcement for incorrect or unregistered plates. (Source: Utah Code Section 41-1a-402)
  • No major changes to distracted driving laws: Existing prohibitions on texting and holding phones while driving remain in effect. (Source: Utah Code Section 41-12a-806)

Remember: These are just highlights, and other changes may apply. Visit the Utah Division of Motor Vehicles website for complete information. (Source: Utah Division of Motor Vehicles)

Average Auto Insurance Rates in Utah (2024)

(Sources: The Zebra, ValuePenguin)

Company

Full Coverage

Minimum Coverage

State Farm

$1,458

$487

GEICO

$1,245

$436

Progressive

$1,306

$412

Farmers

$1,357

$453

Liberty Mutual

$1,416

$499

Remember: Individual rates in Utah can vary significantly based on driving history, location, vehicle type, and desired coverage. Consider the mandatory 25/50/25 liability coverage limit when comparing options.

Minimum Liability Auto Insurance in Utah

It’s a legal requirement in Utah to at least have minimum liability car insurance.

Minimum liability insurance for cars is the cheapest option, but bear in mind that in the event of an accident it only covers the other driver’s injuries and property damage.

This means that It does not include protection against damage to your vehicle or injuries sustained by you or your passengers.

The low coverage limits could end up costing you more in the long run if you are the cause of an accident and it surpasses this limit.

It may be worth your while to compare the difference in price between minimum liability insurance and full coverage car insurance in Utah to see if you can afford it.

While each U.S. state will have different minimum liability insurance requirements, it always addresses three key points:

  • Bodily injury coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
  • Bodily injury coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident regardless of how many people are injured.
  • Property damage coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.

The minimum liability insurance requirements in Utah are:

  • $25,000 per person for bodily injury coverage, which pays medical bills for people other than the policyholder who is injured during an accident.
  • $65,000 per accident for bodily injury coverage.
  • $15,00 per accident for property damage liability coverage.
  • $3,000 personal injury protection (PIP), because Utah is a no-fault state.

The term ‘no-fault’ refers to the fact that after an accident, you do not need to prove who was found to be at-fault in order to receive compensation from your insurance company.

Key Point: What Is PIP?  

PIP, also known as no-fault insurance, helps cover expenses like medical bills, lost wages, or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state.

PIP also extends to instances when you’re a passenger in someone else’s car, or if you’re hit by a car if you are a pedestrian or cyclist.

PIP insurance is different from bodily injury liability insurance. While PIP coverage pays for your own expenses, liability insurance pays for the medical expenses of drivers and passengers in other cars when you are at fault for an accident.

Car insurance rates vary on an individual basis, depending on:

  • The person’s driving history.
  • Credit rating.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible.

Find Full Coverage Car Insurance in Utah

Full coverage auto insurance in Utah provides protection in the event of a car accident, a natural disaster, or fire. It covers damage to your car from animals, falling trees, theft, hijacking, and vandalism.

It also covers any claims if your vehicle has been hit by a third party who may not have insurance, and provides windscreen as well as glass repairs. It covers more risks than any other type of auto insurance.

If you need financing for a vehicle purchase, you may be required to buy comprehensive coverage as well as collision coverage.

Key Point: What Is Collision Coverage?

  • Collision coverage helps pay for damage to your car resulting from a collision with another vehicle or an object (e.g., a telephone pole, a guard rail, a mailbox), or as a result of flipping over.
  • Collision insurance is coverage that reimburses the insured for damage sustained to their automobile when they are not at fault.

Cheap Auto Insurance in Utah for Drivers with Clean Driving Records

Drivers with a clean driving record are in a good position to find cheap car insurance. Car insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have not committed traffic offenses.
  • Have a good credit score.
  • Have not been issued speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.

As an incentive, many car insurance companies offer a good driver discount on vehicle insurance rates, saving you more money.

Some automobile insurance companies will offer additional discounts for car insurance if you have completed an accredited defensive driving course.

We’ve looked at the average cost for car insurance offered by insurance companies in Utah for good drivers. The cheapest car insurance companies for good drivers are Dairyland and Farmers.

Farmers offers the lowest auto insurance for good drivers.

Cheap Automobile Insurance in Utah for High Risk Drivers

Drivers with incidents on their record such as an at-fault accident or a DUI (driving under the influence) citation pay higher vehicle insurance rates.

The reason for this is that insurance companies believe these drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high risk driver include:

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Being found at-fault in a major accident.
  • Having too many points on your driving record.
  • Driving without meeting the minimum liability coverage requirements.
  • Unpaid child support payments.
  • Unpaid insurance policy premiums.
  • A poor credit rating.

We have found that on average, the cost of auto insurance in Utah for bad drivers is $378.40 per month.

The General offers the lowest auto insurance rates for bad drivers, which costs on average $303.00 per month.

Inexpensive Car Insurance in Utah for Young Drivers

Since young drivers have less experience behind the wheel, insurers often charge them higher insurance rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it. Teens get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their cars.

A minimum coverage policy, though it is much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out of pocket for going over the coverage limits.

Good student and driver safety course discounts can help young drivers reduce their price for car insurance, as can staying on a parent’s car insurance policy for as long as possible.

On average, most drivers will see their automobile insurance rates decrease as they get older with a significant decrease once they’ve turned 25 years old.

We’ve compared the cost of vehicle insurance for young drivers to help you save on auto insurance costs.

The cheapest car insurance company for young drivers is Freedom Nation.

Top Tips for Finding Affordable Auto Insurance

Take note of lender requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance, better known as, full coverage car insurance.

In fact, most car dealerships won’t let you drive the car off the lot until you can prove you have full coverage auto insurance.

Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.

Compare car insurance quotes from different companies

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around and get affordable auto insurance quotes for low cost car insurance.

The only way to be completely certain that you’re getting the best rates is to compare inexpensive auto insurance quotes from multiple insurers.

Utah Car Insurance FAQs

Should you get the most inexpensive car insurance in Utah?

In some cases, the most inexpensive auto insurance companies do not necessarily offer the best service. You can save on auto insurance premiums by choosing lower insurance coverage limits, but these may leave you without sufficient coverage.

For instance, if you purchase a minimum coverage auto insurance policy in Utah, you will not have collision and comprehensive coverage for damages to your vehicle.

Is auto insurance essential in Utah?

Yes, minimum coverage car insurance is required for all drivers in Utah. The minimum required amounts are:

  • $25,000 per person for bodily injury coverage, which pays medical bills for people other than the policyholder who is injured during an accident.
  • $65,000 per accident for bodily injury coverage.
  • $15,00 per accident for property damage liability coverage.
  • $3,000 personal injury protection (PIP).

Do drivers have to carry proof of insurance in Utah?

Proof of insurance must be carried in your car at all times and must be presented when:

  • Requested by law enforcement.
  • Renewing vehicle registration.
  • The vehicle is involved in a car accident.

What happens if my car is not properly insured in Utah?

Insurance companies are required to notify the Utah Department of Motor Vehicles (DMV) if drivers stop paying for their auto insurance coverage.

Driving without car insurance in Utah could result in a fine, and suspension of your registration and license for one month.

A second violation will result in a suspension of six months. If you fail to purchase or reinstate coverage, you will be prohibited from registering another vehicle in the state.

Is Utah Auto insurance higher than insurance in other states?

The average rates for auto insurance in Utah is more expensive than in most other states due to the high population density and traffic congestion, which means that more accidents are likely to take place.

How Do I Find Cheaper Auto Insurance in Utah?

To find the cheapest auto insurance in Utah, we recommend comparing affordable car insurance quotes online from a number of insurance companies.