Utah Car Insurance
Get a fast and free car insurance rate comparison
Utah is celebrated for its natural beauty, and residents can enjoy exploring iconic vistas in Monument Valley, waterfalls in Zion National Park, and beautiful cliffs across the state. With diverse terrain that includes sandy desserts, expansive pine forests, and awe-inspiring mountain valleys. But before you set out to explore your home state, you need to have the proper car insurance policy.
Luckily, you don’t have to break the bank to find car insurance coverage. On average, residents pay below the national average for their insurance premiums. But that doesn’t mean you should get lazy with your shopping. In order to get the best deal, you need to compare rates from multiple insurers, and choose your policy wisely
OnlineAutoInsurance.com lets you compare car insurance quotes from multiple companies, all from the comfort of your home. All you have to do is answer a few basic questions, and you can start comparing rates from insurance companies operating in your area without having to speak to an insurance agent.
But before you start shopping, you need to decide the level of coverage that’s right for you. So what are the state’s requirements? And what other policies should you consider?
Utah Car Insurance Laws
State laws require all motorists to maintain car insurance with the following minimum limits:
Personal Injury Protection (PIP)
- $3,000 Injury Protection per accident
Because Utah uses a No-Fault law, you are required to carry Personal Injury Protection. This policy is a kind of no-fault insurance that pays benefits for medical bills and funeral expenses from injuries sustained in a car accident. You can also upgrade your policy to include benefits for other economic losses, such as lost wages. Out-of-state drivers must also maintain no-fault insurance if their vehicle will be driving in Utah for more than 90 days.
- $25,000 Bodily Injury Coverage per person
- $65,000 Bodily Injury Coverage per accident
- $15,000 Property Damage Liability per accident
Your Bodily Injury Liability policy will pay for medical expenses, funeral costs, and other economic losses associated with an injury, such as lost wages, and in some instances, pain and suffering. Under normal circumstances, each driver’s PIP benefits will cover these charges. However, some qualifying injuries allow drivers to step outside the no-fault losses and either file a third-party insurance claim or sue for personal injury. In these instances, your liability policy will cover the damages, as well as any legal fees associated with the claim.
Qualifying injuries include permanent disability, impairment, or disfigurement, as well as any lost limbs. In these instances, the money you owe can well exceed the minimum coverage limits. In order to safeguard yourself and your assets, you should consider raising these limits, so you’re protected even in the worst-case scenarios.
Property Damage claims aren’t affected by the no-fault laws, and your Property Damage Liability policy will help you pay to repair or replace vehicles damaged in an at-fault accident, as well as standing structures like fences or walls, up to the limits on your policy. Further costs are still your responsibility and will have to come out of your pocket.
You are required to carry proof of insurance at all times while operating a motor vehicle and must provide it if requested by a law enforcement officer. If you’re caught operating a vehicle without proof of insurance, you will receive a fine of no less than $400 for a first offense and $1,000 for any subsequent offenses, and your vehicle may be impounded. The Department of Public Safety will also suspend driving privileges which cannot be reinstated until proof of a policy is submitted, and a reinstatement fee is paid.
Comprehensive and Collision
While the minimum coverage will keep you legal to drive, it won’t pay for any damages to your vehicle when you’re responsible for a car accident. It also won’t cover any damages that happen outside of a collision.
Adding Comprehensive and Collision to your insurance policy will ensure you can afford to repair or replace your vehicle, no matter what happens. You will be required to carry these policies if you finance your vehicle, or if you drive a lease, so you should always get a car insurance quote before buying a new vehicle. If you can’t afford to keep it covered, it’s probably not the right car for you.
Collision coverage will pay for damages to your vehicle caused in a car accident, or in any collision with a stationary object or structure, no matter who’s at fault. Some policies will provide towing and labor coverage, roadside assistance, and rental reimbursement, though they may come as add-on policies, and you’ll have to pay extra to get the benefits.
Comprehensive coverage will reimburse you for damages caused to your car outside of collisions. This can include damage caused by fire, hail, explosions, or tornados. It will also cover you if you’re in a collision with a deer or other animal, or if your car is stolen.
Uninsured and Underinsured Motorist Coverage
Uninsured Motorist Coverage will act in lieu of another driver’s Bodily Injury or Property Damage liability policies if you’re in an accident with an uninsured motorist, or if you’re a victim of a hit-and-run. Each option is sold separately, so if you already have Comprehensive and Collision insurance, you can choose only to purchase the Bodily Injury policy.
Additionally, you can add Underinsured Motorist Coverage, which provides additional compensation if the other driver’s Bodily Injury or Property Damage policies aren’t sufficient to cover all the damages caused in an accident you aren’t at fault for.
As of 2015, it’s estimated that about 9% of Utah drivers are without insurance. If your family depends on your income, adding this policy can be an extra layer of protection to make sure you and your assets are protected.
Find Cheap Utah Car Insurance
Car insurance companies use a combination of personal factors, such as your age, zip code, credit score, and driving history, to assess your risk. They will also look at the year, make, and model of the vehicle you drive, and determine the cost of your insurance premiums. Each insurance company weighs these factors differently, and no one insurer will be the best one for everyone.
That’s why it’s so important to compare car insurance quotes from as many different companies as possible to find a company with affordable rates for you. Insurance companies offer discounts for safe drivers, students with high GPAs, and discounts for paying in full for your policy period. Take advantage of as many as you qualify for to get the best deal on your coverage.
While choosing a policy with high deductibles and low limits will lower the price you pay each month, it won’t save you money in the long run. If you can’t afford to pay your deductible, or if you’re limits are too low to protect you from a serious car accident, it could leave you in massive debt. So stick to the coverage that’s right for you, and only compare quotes with policies that meet your needs.
The bottom line
Getting the best deal on car insurance is more nuanced than choosing the cheapest policy. It means finding coverage from a company you trust that leaves you and your assets protected. With so much on the line, you don’t want to rush this decision.
If you want to save money on car insurance, you need to drive safely, maintain a clean driving record, and take the time to compare rates from multiple companies, even after you have coverage. Switching to a new insurance company can sometimes save you hundreds of dollars monthly. Start your free rate comparison today!