Utah Car Insurance
Everything You Need to Know About Auto Insurance in Utah
Utah is recognized for its natural landscapes and history. This state boasts prominent cities, including Salt Lake City, the capital and largest city, as well as Park City, known for its ski resorts and hosting the renowned Sundance Film Festival.
Other attractions include national parks like Zion National Park, featuring cliffs and breathtaking views, and Bryce Canyon National Park, famous for its red rock formations, known as hoodoos. Visitors can also explore the Monument Valley Navajo Tribal Park, with its desert landscape showcased in numerous films. Additionally, the state offers opportunities to visit the Great Salt Lake, the largest saltwater lake in the Western Hemisphere, and Temple Square in Salt Lake City.
However, in order to drive legally within the state, it’s essential to have an auto insurance policy. InsureOne’s expert agents are available to guide you in finding the ideal coverage options suited to your budget and vehicle.
How Much Does Car Insurance Cost in Utah?
Utah’s average annual car insurance cost is $539 for minimum coverage and $1,510 for a full coverage policy. These rates are significantly lower than the national average for full coverage, which is $2,014 per year, and slightly below the national average for minimum coverage, which stands at $622 per year.
Beyond the price, remember that it’s essential to have coverage for any potential events in order to keep yourself, your family, and your assets safe while driving. If you want more reasons to understand the importance of this, we recommend reading our article Why Is Auto Insurance Important?
Reasons Why Insurance Is So Cheap in Utah
The first reason why insurance is cheaper in Utah could be due to the state’s lower population density, resulting in less traffic on the roads and potentially fewer accidents.
Compared to neighboring states, Utah’s average annual rates are also lower. For instance, minimum coverage in Arizona has an average cost of $587, while full coverage is $1,810. In Nevada, the average cost of minimum coverage is $973, and full coverage is $2,779. But note that your individual rates may vary depending on personal factors.
Affordable Car Insurance Rates Comparison by Cities in Utah
For a comparison of the average monthly premiums paid by drivers in different cities across Utah, check out our breakdown below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Salt Lake City | $143 | $55 |
| West Valley City | $151 | $53 |
| West Jordan | $139 | $54 |
| Provo | $134 | $52 |
| Orem | $135 | $52 |
| Sandy | $139 | $54 |
| St. George | $117 | $44 |
| Ogden | $130 | $50 |
| South Jordan | $131 | $49 |
| Layton | $125 | $47 |
Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Utah.
How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Utah
The concept of bundling insurance policies is based on the premise that when multiple policies are bundled together under a single insurance carrier, the insurer can offer a more attractive and competitive rate. This package deal not only delivers convenience by having all policies managed and administered by one insurance provider but also provides added financial benefits in the form of cost savings.
By taking advantage of the benefits of bundling auto and homeowners insurance together, Utah residents can not only protect their valuable assets but also save significantly on their insurance premiums. On average, individuals who choose to bundle their home and auto insurance in Utah can enjoy a discount of 11% on their yearly premiums. This translates to an average savings of $228, providing an immediate financial advantage to policyholders.
What Types of Auto Discounts Are Available in Utah?
Utah insurers offer discounts in three categories: policy, driver, and vehicle. Policy discounts are based on customer behavior, such as opting for paperless billing or bundling home and auto insurance. Driver discounts are available to those with clean driving records or considered lower risk. And vehicle discounts apply to cars equipped with safety features or anti-theft systems. These discounts provide opportunities for Utah residents to save on insurance premiums.
Other discounts available in Utah that you can take advantage of are:
- Good driver
- Defensive driver
- Military
- Anti-theft
- Loyalty
- Good student
To discover more keys to save on your policy, don’t miss our article 7 Ways Drivers Can Get a Lower Insurance Premium.
Utah Car Insurance Laws
In the state of Utah, it is mandatory for all drivers to have minimum liability coverage for their automobile. The minimum coverage required is known as 25/65/15.
Furthermore, Utah is a no-fault state, which means that Personal Injury Protection (PIP) insurance is also mandatory. This insurance provides coverage for medical expenses, lost wages, and other related expenses that may incur due to a car accident, regardless of who is found at fault for the accident.
Here’s a closer look at what this means.
What Are the Mandatory Car Insurance Requirements in Utah?
Coverage amounts in Utah are as follows:
- $25,000 for bodily injury per person
- $65,000 for total bodily injury per accident
- $15,000 for property per accident
- $3,000 for Personal injury protection per person (PIP)
What Is the Penalty for Driving Without Insurance in Utah?
In Utah, operating a vehicle without carrying the minimum required automobile insurance is considered a serious offense. In the case of a first offense, the driver is liable to be fined with a minimum penalty of $400. However, if the driver is caught without insurance a second or successive time, the penalty increases, and the fine could amount to $1,000 or more.
Violating the insurance requirements could also result in the suspension or revocation of the driver’s license and auto registration.
Furthermore, the court may also mandate you to file an SR-22 form due to your failure to maintain the minimum required insurance coverage.
What Factors Does Utah Law Allow in Determining Your Premiums?
Insurance companies base auto premiums on several factors, including:
- Age
- Location
- Gender
- Marital status
- Driving record and experience
- Vehicle type
What’s the Best Car Insurance for Teenagers and Their Family in Utah?
A multi-car policy proves beneficial for families with teenage drivers, who often face higher insurance rates due to their lack of driving experience. When all adult drivers listed on the policy have a good driving record, it can help significantly reduce the overall premium cost.
InsureOne understands the unique insurance needs families with teenage drivers have. Their knowledgeable agents work diligently to ensure families receive comprehensive protection while keeping premiums as affordable as possible.
What Is Driving Like in Utah?
Weather conditions in Utah can greatly impact driving and vehicle performance. Snowstorms are common in winter, requiring the use of winter tires or tire chains, reduced speeds, and greater braking distance. Keep windshields and lights clean for better visibility.
Spring and fall bring heavy rains, necessitating well-maintained tires, reduced speeds, and increased braking distance to prevent hydroplaning. Ensure your headlights and taillights are on for improved visibility.
Certain areas of Utah experience strong winds, requiring a firm grip on the steering wheel, reduced speeds and increased braking distance. Be cautious when driving near other vehicles. Stay aware of weather conditions and adjust your driving accordingly for a safer journey on Utah’s roads.
How Many Car Accidents Happen in Utah?
In 2021, in Utah, there were 61,406 crashes, out of which 293 were fatal crashes. On average, a crash occurred every 8.5 minutes, a person was injured in a crash every 20 minutes, and a person died in a crash every 26 hours. The chart below displays the recorded incidence of fatal crashes in different cities throughout the state during that year.
| City | Fatal Crashes in 2021 |
|---|---|
| Salt Lake City | 25 |
| Logan | 5 |
| Park City | 3 |
| Orem | 6 |
| Provo | 7 |
| Ogden | 11 |
| Saint George | 7 |
| Sandy | 5 |
| Murray | 7 |
| Draper | 6 |
Source: United States Department of Transportation.
How Many Uninsured/Underinsured Motorists Are in Utah?
Utah’s position as the 9th state with the lowest uninsured driver rates, at 6.5%, is commendable. However, it is still crucial for everyone to have auto insurance. Even with a relatively low percentage of uninsured drivers, accidents can still happen, and being involved in an accident with an uninsured driver can result in significant financial hardships.
Having auto insurance provides essential protection and peace of mind. It helps cover medical expenses, property damage, and other related costs in the event of an accident. It also ensures that responsible drivers are not burdened with the financial consequences of someone else’s negligence.
Additionally, auto insurance is not just about protecting oneself. It is also about protecting others on the road, including pedestrians, cyclists, and passengers. By having insurance, drivers contribute to the overall safety and well-being of the community.
Get the Best Car Insurance in Utah Today
At InsureOne, our attentive agents prioritize your needs and are committed to providing personalized assistance in finding the best insurance options that are tailored specifically to you.
You have the option to effortlessly obtain a quote online or visit one of our conveniently located offices where our knowledgeable team is ready to offer you exceptional care and guidance. Alternatively, you can simply reach out to us at (800) 836-2240 for assistance.