In the beautiful city of Logan, UT, the roads can sometimes be quite busy. Unfortunately, your risk of being in a car accident increases according to the number of other drivers you are sharing the roads with. Whether you are caught up in congestion on Main Street while out running errands, passing a slow-moving vehicle on Highway 89 on your way across town or driving down W 100 S on your way to cheer on the Grizzlies at Logan High School, you have the potential to find yourself involved in a vehicular accident.
Fortunately, when you are backed by a solid Logan auto insurance policy, you do not need to worry about suffering a financial setback as a result. Vehicle owners in Utah are required to carry car insurance that meets or exceeds the state-mandated minimums. Our independent insurance agents can help you find an affordable policy that meets your coverage and budgetary needs. These agents can contact competing insurance companies on your behalf to obtain an assortment of customized Logan car insurance quotes that you can review and compare together. That way, it is easy to find the policy that comes at the best price. Find an agent near you to get started.
- National average cost per year: $1,311
- Utah average cost per year: $1,059
- 40th most expensive auto premium in U.S.
The good news for Logan residents who are looking to buy an auto insurance policy is that car insurance rates are lower in Utah than they are throughout most of the country. This can be attributed, in part, to the low number of fatal collisions in this state. Of course, your actual quoted price is likely to be different from the average shown above because rates are calculated according to several different considerations. These may include such things as the following:
- Information about your vehicle(s) including make, model, year, color and safety features as indicated by the vehicle identification number, or VIN
- The ZIP code where you live and the place where you park your car (e.g., garage, carport, driveway, street, etc.)
- The age, sex, marital status and driving record of all drivers in your household unless you are specifically excluding them from your coverage
- The number of miles your vehicle is driven in an average month
- Your claims history and credit score
- The liability coverage limits you want
- The amount of the deductible you want
Because so many different factors are used to determine your Logan auto insurance rates, you can expect to get a different quote from each insurance company you contact. That is why comparison shopping can help you be sure that you are getting your policy at the best price.
Utah Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal injury protection (PIP): required
- Uninsured motorist coverage: not required
- Minimum liability limits: 25/65/15: Coverage up to $65,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $15,000 coverage for property damage.
For vehicle owners in the state of Utah, failure to carry auto insurance that meets or exceeds these coverage minimums is considered a Class B misdemeanor. If you are caught driving without coverage, you can be penalized with a fine of no less than $400 for your first offense and no less than $1,000 for future offenses that occur within three years of the previous offense. Additionally, you will have your license suspended and you will not be able to get it back until you can provide proof of insurance and you have paid a $100 reinstatement fee.
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Number of Uninsured Motorists in Utah
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Utah drivers: 5.8%
Think about it: About one in 20 drivers you pass on the roadways in this state is driving an uninsured vehicle. If one of these drivers is at fault for a collision with your vehicle, that person is required to reimburse you for your costs to repair damaged property and obtain medical treatment for injuries. Unfortunately, these funds can often be very difficult to collect. If the at-fault driver has no assets and is unemployed, you may never see any reimbursement at all.
Fortunately, you can avoid this problem by adding the optional uninsured motorist coverage to your Logan auto insurance policy. If you have this coverage, your insurance company covers your losses immediately after an accident and then attempts to collect reimbursement from uninsured drivers on its own behalf. Uninsured motorist insurance also covers the costs associated with collisions with hit-and-run drivers.
Number of Auto Thefts in Utah
- National number of thefts per 1,000 vehicles: 2.94
- Utah number of thefts per 1,000 vehicles: 3.13
The rate of car theft in Utah is slightly higher than the national average; but in the city of Logan, the rate is quite low. Recently, for example, there were only 22 auto thefts reported in this city. That equates to about 0.45 thefts per 1,000 vehicles — well below the national rate. Know that you cannot get compensation for a stolen vehicle unless your Logan car insurance policy includes comprehensive, or “other-than-collision,” insurance.
This optional insurance also covers the costs associated with damage caused by many other noncollision events, including such things as falling objects, earthquakes, floods, fires and vandalism. If you are still making payments on your vehicle, your lender likely requires you to have this coverage.
Find a Great Logan Car Insurance Policy
When you are searching for an affordable Logan auto insurance policy, you will want to be sure that you compare prices and policies that are offered by reliable and responsive insurance companies. Comparison shopping can help you find the best policy to meet your coverage and budgetary needs, but it can often be a tiresome and frustrating chore when you go about it on your own. That is why it is beneficial to enlist the help of one of the many local agents. They can answer your insurance-related questions and can contact insurance companies on your behalf, making gathering and comparing rates and policies easy.
Find an agent with an office near you to get started comparing customized Logan car insurance quotes.