Utah Car Insurance FAQ - Quick Answers

On average, Americans pay $1,311 per year for their auto insurance. In Utah, the average driver pays around $1,059 per year. Your own auto insurance will be customized and can vary greatly from these figures. 

Every Utah car insurance policy will be different, but standard coverages that are typically selected are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Person injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your car due to a non-collision event such as a flood or storm damage.
  • Collision: Pays for damage to your car from a collision with another driver where you are at fault.

In Utah, you'll need the following state minimum liability limits in order to be on the roads:

  • $25,000 in bodily injury liability per person
  • $65,000 in bodily injury liability per accident
  • $15,000 in property damage liability
  • Personal injury protection

To find the best car insurance carrier for your needs, you'll want to know where to start. In Utah, Nationwide, Travelers, Progressive, and Safeco insurance companies are highly rated. This is due to their superior claims service and robust coverage offerings. 

Yes, Utah is what is know as a "no-fault" state. That means that regardless of who caused the accident, each person’s own insurance will cover their injuries. 

Yes. Utah law requires every driver to provide proof of insurance when registering a vehicle in the state. 

Do You Know What Your Car Insurance Covers in Utah?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000 vehiclesAnnual insurance cost
Bountiful21.90.45$1,401
Draper23.91.12$1,044
Logan14.40.71$1,092
Murray19.78.16$984
Ogden20.23.92$1,152
Orem191.43$722
Provo18.51.09$1,212
Roy22.41.51$1,065
Salt Lake City19.56.22$1,368
Sandy23.11.97$1,044
South Jordan251$1,068
St. George15.11.63$936
West Jordan24.81.73$1,068

Bodily Injury Requirements in Utah

Bodily injury liability insurance helps pay for an important part of a claim. When the other party sustains injuries and you're responsible, this coverage will foot the bill.

In Utah, bodily injury liability insurance is required at $25,000 per person and $65,000 per accident. While only the minimum limits are mandatory, you may want additional protection. 

Property Damage Requirements in Utah

Another coverage that goes hand in hand with bodily injury is property damage liability. This limit pays for your portion of a loss where you have caused damage to another party's property. 

You're required to carry at least $15,000 in property damage liability in Utah. If you don't have proper protection, you could be fined.

Personal Injury Protection Coverage Requirements in Utah

Every state has its own twist when it comes to paying for your injuries. In Utah, you'll need to have personal injury protection, or PIP, under your auto policy. 

PIP helps pay for your personal medical expenses when you're found at fault for an accident. Without this coverage, you'll have to pay out of pocket for a loss. 

Uninsured Motorist Coverage in Utah

Uninsured motorist coverage will protect your finances from a major setback when you're in an accident with an at-fault uninsured driver. This coverage pays for any of your damage and medical bills. 

Although car insurance is mandatory in Utah, uninsured motorist coverage is not. 8.2% of the Utah driving population uninsured, putting you at risk. 

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Optional Car Coverage in Utah

There are numerous coverages that you can obtain in addition to the mandatory limits set forth by Utah. Collision insurance and comprehensive insurance are two common options, and are known collectively as "full coverage". 

These limits can help pay for damage to your insured vehicles when a collision occurs. Without them, you won't have any insurance for your vehicles. 

Car Insurance Discounts to Consider in Utah

In Utah, you may qualify for car insurance discounts. Simply by having more than one policy with your carrier, you could lower your rates by 30%.

Another great way to save is with an association discount if you belong to a teachers union, attorney group, or government agency. Likewise, you can cut costs by being loyal to the same carrier for a period of time. 

How to File a Car Insurance Claim in Utah

If you're involved in an auto accident, you may forget what comes next. To help, use these four easy steps for filing a car insurance claim in Utah.

First, find a safe place and seek medical attention if necessary. Second, report the loss to your independent insurance agent and obtain a claims number. Third, utilize your rental car coverage if applicable. Last, contact your adjuster to assess the loss.