Park City Car Insurance

With all the coverage options available, car insurance can seem excessively complicated. Trusted Choice Independent Insurance Agents are here to help.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


Located about 30 miles southeast of the state’s capital, Park City, UT is a beautiful tourist destination as well as being in the main location of the Sundance Film Festival. Because there are so many out-of-town drivers in this small city, residents are at a great risk of car accidents caused by drivers unfamiliar with the area roadways. Fortunately, you can protect your finances by carrying a state-mandated Park City car insurance policy.

There is no reason to overpay for your coverage to carry a policy that is backed by an untrustworthy insurance provider. Independent insurance agents in our network can help you gather and compare Park City auto insurance quotes from a variety of reputable insurance companies so you can comparison-shop with ease. Learn more by contacting an agent near you.

Cost of Car Insurance in Utah

  • National average cost per year: $1,311
  • Utah average cost per year: $1,059
  • 40th most expensive premium in U.S.

As you can see, drivers in Utah, in general, can find more affordable car insurance coverage than motorists throughout the nation. However, rates can vary significantly by individual and may be a bit higher in Park City due to the high number of tourists on the roads. Be sure to compare Park City car insurance quotes from at least three insurance companies before you select a policy. That way, you can be sure that you are getting your coverage at a reasonable rate.

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.

Utah’s state-mandated insurance coverage protects drivers’ finances in the event of an accident. The state-mandated minimums may be enough to cover your damage in a minor accident, but a serious accident involving significant injuries and property damage can easily exceed what a minimum-coverage policy will pay for. An agent can help you protect your assets by recommending suitable coverage amounts and helping you find Park City auto insurance that meets your coverage needs at a price that is right for your budget.


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Number of Uninsured Motorists in Utah

  • Number of uninsured drivers in the U.S.: 12.6%
  • Number of uninsured drivers in Utah: 5.80%

Fortunately, most Utah residents are covered by car insurance, but with the high number of tourists in Park City, the number of uninsured drivers on this city’s roads may be higher. If one of these drivers is responsible for a collision, you may have difficulty collecting compensation for your damages unless your car insurance policy includes uninsured motorist coverage. In this case, your insurance company will pay for the damage and then go after the responsible driver on their own.

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 is higher in Utah than in the nation as a whole. Park city drivers can take measures to protect their property such as installing anti-theft devices like car alarms and taking common-sense steps like parking in well-lit secure lots when possible, never leaving their keys in the car and keeping any valuable items left in their vehicle out of plain sight. In the event that your car is stolen or damaged by vandals, you can collect compensation only if your auto insurance policy includes comprehensive, or “other than collision,” coverage as a policy option.

Find a Great Park City Car Insurance Policy

If you are a resident of Park City, and you own a vehicle, you need to have an auto insurance policy. Comparison-shopping is necessary if you want to make sure that you are getting the best coverage at a competitive rate, but it can be a frustrating and time-consuming process. Fortunately, you can turn to a local agent for help. These independent insurance agents can work with several high-quality insurance companies to provide you with a selection of policies and rates from which to choose. Thus, saving you time and money. 

Find an agent in Park City to learn more and to start comparing car insurance quotes.

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