Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $25,000 per person
- $65,000 per accident
- $15,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state's code section: Title 31A Chapter 22.
Auto Insurance Rates for Utah
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. Insurers provide one of three ratings for most drivers. The rating heavily influences your premiums but good driving can change it. These include:
Preferred drivers usually get the best premiums while non-standard drivers get the most expensive. You can influence which rate you get by maintaining a good driving record. Driving less will also influence your rate. Most insurance agencies consider teens to be high risk.
Sample of Annual Utah Auto Insurance Rates
Salt Lake City Auto Insurance
Salt Lake City is the Utah state capital. It is the largest city in the state with a population of more than 192,000 people. The Church of Jesus Christ of the Latter Day Saints is headquartered in Salt Lake City, which has a large population of Mormon followers.
Form Salt Lake City, Interstate 80 runs west to Reno, and east toward Omaha. U.S. Route 40 connects Salt Lake City with Denver to the east. Interstate 15 runs north into Canada, and connects with Las Vegas in the southwest.
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St. George Auto Insurance
St. George lies along Utah's border with Arizona. It is Utah's eighth-largest city with a population of more than 80,000 people. St. George takes its name from George Smith, who was a prominent member of the Church of Jesus Christ of the Latter Day Saints.
Interstate 15 runs north into Salt Lake City, and cuts through Arizona on the way toward Las Vegas in the south. Utah State Route 7 winds north toward Hurricane. Utah State Route 18 passes by Snow Canyon State Park.
Provo Auto Insurance
Provo is a suburb of Salt Lake City. It is Utah's third-largest city with a population of more than 115,000 people. The college town is home to Brigham Young University.
Interstate 15 runs north through Salt Lake City, and southwest toward Las Vegas. U.S. Route 189 becomes North University Avenue as is passes by Brigham Young University in downtown Provo. U.S. Route 89 runs north all the way to Glacier National Park in Montana, and south toward Flagstaff, Ariz.
Eagle Mountain Auto Insurance
Eagle Mountain is a Salt Lake City suburb. The town has a population of more than 27,000 people. The Pony Express ran through this spot.
Utah State Route 73 connected with Interstate 15 to the east. From there, Interstate 15 runs north into Salt Lake City, and south toward Las Vegas. Eagle Mountain Boulevard and Pony Express Parkway are the main roads that wind through downtown.
Washington Auto Insurance
Washington has a population of about 24,000 people. It is part of the "Dixie" region in Utah. The famous Elephant Arch can be found nearby in the Red Cliffs Desert Reserve.
From Washington, Interstate 15 connects with Salt Lake City to the north, and Las Vegas to the south. Utah State Route 7 connects Washington with Hurricane to the north, and St. George to the south. Utah State Route 9 also runs into Hurricane.
Hurricane Auto Insurance
Hurricane has a population of more than 15,000 people. The town was founded by Erastus Snow, a Mormon apostle who named the town for the high-speed winds he encountered that resembled a "hurricane."
From Hurricane, Interstate 15 runs north toward Salt Lake City, and south into Las Vegas. Utah State Route 9 also runs west into Washington. Utah State Route 59 heads south toward the Utah-Arizona border.
West Jordan Auto Insurance
West Jordan is a Salt Lake City suburb. It is the fourth-largest city in Utah with a population of nearly 112,000 people. West Jordan takes its name from Utah's Jordan River.
Utah State Route 154 connects with West Valley City to the north. Just outside of town, Interstate 15 runs north into Salt Lake City, and southwest into Las Vegas. Interstate 215 loops around the Salt Lake City metropolitan area, passing near West Jordan.
Lehi Auto Insurance
Lehi is a Salt Lake City suburb. The town's name was inspired by a character from the Book of Mormon. Lehi has a population of more than 58,000 people.
From Lehi, Interstate 15 connects with Salt Lake City to the north, and Las Vegas to the south. U.S. Route 89 follows roughly the same route north in the direction of Salt Lake City. Utah State Route 68 runs south along the western shore of Utah Lake.
Ogden Auto Insurance
Ogden is a suburb of Salt Lake City. It is the seventh-largest city in Utah with a population of more than 85,000 people. The Bank of Utah is headquartered here.
From Ogden, Interstate 84 runs northwest through Boise, Idaho, on the way to Portland, Ore. Interstate 15 pass through Ogden, running north toward the Canadian border, and south into Salt Lake City. Utah State Route 39 runs west toward the Great Salt Lake.
Finding Auto Insurance Resources in Utah
There are plenty of websites and associations to help you with your insurance. The Motor Vehicle Division of the Utah State Commission is a good place to start. This is Utah's official DMV website. You can get your vehicle registration and driver's license from the website. You can also find a range of information including forms, prints, and publications on the site.
The Utah Insurance Department posts a great deal of valuable information on its site. Part of what it covers includes avoiding fake insurance companies. It also keeps a list of known unauthorized insurers. You can use the site to get information, file a complaint, or check on your insurance company.
Tips for Optional Insurance in Utah
Liability, Damage, and Personal Injury Protection insurance are required in Utah. You can also go with other types of coverage. Your insurer has to offer you uninsured motorist coverage when it sells you a policy. You can refuse this coverage; however, experts advise that you buy it for your own protection. Studies show that 6 percent or more of Utah drivers are uninsured. An uninsured motorist policy will cover an accident with one of these drivers, but your standard policy will not.
You can also choose other coverage options. Some options include collision insurance and comprehensive insurance. Collision covers you in the event of a crash while comprehensive also covers you in the event of fire, theft, or other non-driving related incidents. Both of these protect your vehicle in ways that other insurance does not. You can also consider increasing your insurance. Some people choose to go with a $50,000 per-person policy rather than the $25,000 rate set by the state.
Moving to Utah: Important Information
If you are moving to Utah, you need to consider the rules of the state. As a resident of Utah, you must register your vehicle in the state. You also have to have insurance. If your vehicle has been in Utah for more than 90 days within the past 365 days then you also need insurance. You have 60 days from the time of moving to Utah to get a registration.
You need your insurance before you register your vehicle. You also need a Form TC-661 Certificate of Inspection. A licensed Utah inspector or DMV employee must fill out this form in order to be valid. You can also have the inspection performed when you go to have your vehicle registered. Your vehicle may also need a safety and emissions test. You can check the Vehicle Inspections requirement list to see if your vehicle needs an inspection.
If you own or rent a home, register a vehicle, or go to work in Utah then you need a Utah driver’s license. If you are a resident, there is no grace period for getting your license. This is different from most other states.
Understanding Driving Laws in Utah
There are many driving laws in place in Utah and all of them protect you on the road. For a full update on new laws, consider reading the Utah Driver Handbook.
Utah forbids drivers of any age to text while driving. It is also illegal for drivers who are 18 and under to use a cell phone while driving. Utah's maximum blood alcohol level is .08 percent. Driving at this level of intoxication can result in a 120-day license suspension and potential jail time for subsequent offenses.
Utah also reserves the right to arrest anyone who is driving aggressively. A display of three or more aggressive driving behaviors may add a negative point to your license. Points are used by insurance companies for risk evaluation and may be used to charge you a higher premium.
Frequently Asked Questions About Utah Auto Insurance
1. Who is Insure-Rite?
Insure-Rite checks insurance for the Utah DMV. Its job is to collect insurance details to make sure that everyone is insured. If you are not insured, or have falsified a claim, then it can have your registration revoked.
2. How can you save money on Utah insurance?
The best way to save money on insurance is to shop around. Remember to ask your agent about the discounts the company offers, and then see if you qualify for any of them. Insuring multiple vehicles at once can often reduce your rates per vehicle.
3. What is PIP?
Personal injury protection or PIP is a type of insurance coverage required by Utah law. PIP covers your hospital bills in case you are injured. Your standard insurance only covers the other person.
How to Get Great Rates on Utah Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
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Utah Auto Insurance Resources
Need more than just Utah free car insurance quotes? In addition to your Utah auto insurance quotes, here are some resources that may help.
Utah Division of Motor Vehicles
Offering online registration renewal and general driver information
Utah Insurance Department – Auto Insurance
An information resource for insurance agents, companies and consumers
Utah Cell Phone Driving Laws
Can you talk and drive in Utah?
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.