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Guess what? Utah drivers pay less than most other drivers around the nation. Your own auto insurance will be customized and will vary greatly from this average, so keep in mind the specific factors that make coverage either lower or higher in your city.
On average, Americans pay $1,311 per year for their auto insurance. The average Utah driver pays around $1,059 per year. Partner with a Trusted Choice® Independent Insurance Agent, who will ensure you're getting the best rate by comparing quotes from a variety of insurance companies.
Accidents, break-ins and weather-related damage can happen in an instant. If you find yourself in an unexpected situation, here's how your car insurance will respond:
Take note: Utah requires every driver to have a certain amount of insurance. These necessary coverages will pay for either your own or someone else's vehicle damage and medical bills. Discuss the details with a local agent to ensure your coverage addresses these regulations.
"Utah is what is known as a no-fault state. That means that regardless of who caused the accident, each person’s own insurance will cover their injuries. The at-fault driver’s insurance will only be charged once the other person’s PIP coverage maxes out.
When it comes to property damage, however, the at-fault driver is responsible for covering all repair costs."
Some people drive without insurance. Many car owners can be careless and get behind the wheel without a financial backup plan for accidents.
But what happens if you're hit by one of these uninsured or underinsured drivers? "Uninsured Motorist Coverage" will compensate you for vehicle repairs or medical bills if the at-fault driver is unable to pay. Your insurance carrier will attempt to get payment, but it's typically very difficult to collect.
Utah does not require you to have uninsured motorist coverage, but we highly recommend taking a look at your options to see if it works with your budget and policy.
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
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|
|Salt Lake City||19.8||9.27||$1,368|
|West Valley City||23.6||4.70||$1,344|