Sandy Car Insurance

Work with an independent agent in Sandy, UT and save on car insurance prices.

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


Everyone in Sandy, UT is on the go. Sports-minded and active, residents and guests alike enjoy the community's many hiking trails and parks. Located at the base of the Wasatch Mountains, the community is a doorway to nearby world-class ski resorts. Given the year-round activities and the ice and snow of winter, it's imperative that you have a good Sandy car insurance policy when traveling about town.

You can learn about a variety of policies when you contact an Independent Insurance Agent for a quote. Our agents provide quotes from multiple companies, so you have the opportunity to compare policy prices and coverage amounts. Our independent agents can help you find affordable Sandy auto insurance that will limit your risk of financial loss if you have a car accident.

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

Car insurance costs less in Utah than in many states, but you'll no doubt want to save on costs if you can while also ensuring you have good coverage. Keep in mind that the cost of insurance varies based on such factors as your age, driving record, and the make and model of your vehicle. Even if you're a good driver, accidents can happen. Other drivers' recklessness might result in a crash you can't avoid. Sometimes icy roads or other weather conditions make it difficult to maneuver, resulting in a collision. It's important to have insurance so you're covered when unforeseen events and circumstances cause a car accident.

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

Utah state law requires specific liability coverages: $25,000 for individual injuries, $65,000 total for all persons injured and $15,000 for property damage. However, these minimum requirements might not be adequate. You have to pay expenses out of your own pocket if damage exceeds your coverage amount. For example, if you're at fault in a car accident, your passengers and the people in the other vehicle (s) can sue you for their medical bills, pain and suffering, lost wages, and other damages. Good liability coverage helps to ensure those costs do not come out of your own pocket.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of uninsured

  • Number of uninsured U.S. drivers: 12.6 percent
  • Number of uninsured Utah drivers: 5.80 percent

There are fewer uninsured drivers in Utah than there are nationally. Unfortunately, the number of uninsured Utah drivers is still significant. The problem is that if you have an accident, you can't predict whether the crash will be with an insured or uninsured motorist. The only way to protect yourself is to include uninsured motorist coverage in your policy.

Number of Utah Auto Thefts

  • National number of thefts per 1,000 vehicles: 2.94
  • Number of thefts per 1,000 Utah vehicles: 3.13

There are more auto thefts in Utah than there are nationally, so it's important to take precautions when parking your car. Make sure you lock the doors and trunk. Close all windows. Park in a well-lit, visible location. Despite precautions, you could be the victim of auto theft. Fortunately, car insurance protects you financially in the event of a loss.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find a Great Sandy Car Insurance Policy

If you think choosing a car insurance policy is a complex task, contact an Independent Insurance Agent for assistance. The agent can help you find the right car insurance policy for Sandy drivers. Agents can discuss your options and answer all of your questions. They can explain insurance lingo in words that are understandable. They know what coverages are required and what is optional. Given your situation, they can advise on what coverages might be most appropriate for you.

Also, an agent will provide you with multiple quotes from various insurance companies so you can comparison shop with ease. Agents have taken a pledge to provide customers with great service and ethical advice, so you can feel confident you're getting good guidance from them. With their help, you can customize a policy that is affordable, reliable and satisfactory for your specific needs.

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