CAR INSURANCE BY STATE

The Best Car Insurance Companies in Utah

utah car insuranceUtah drivers have a wide selection of options when it comes to car insurance companies. All major nationwide car insurance companies serve the state of Utah. There are also a number of local providers that serve drivers across the state.

With so many Utah car insurance options available, it can be difficult to decide which car insurance company is best for you. Choosing the right car insurance company depends on a number of factors. Some drivers choose the cheapest car insurance companies in Utah, for example, while others are willing to pay a little more for better service.

By comparing Utah car insurance quotes online today, you can get the best car insurance policy for your budget and lifestyle.

The Cheapest Car Insurance in Utah

Some car insurance companies in Utah consistently offer cheaper quotes than other car insurance companies. Bear River, GEICO, Farm Bureau Mutual, Progressive, and American Family, for example, all tend to offer lower-than-average quotes to drivers in Utah.

However, rates can vary widely depending on demographic factors. The same cheap car insurance companies for a 55-year old male driver, for example, might be more expensive for a young female driver. That’s why comparing car insurance quotes is crucial.

Drivers in the Salt Lake City Metropolitan Area Pay More for Car Insurance

Across the United States, drivers in urban areas will inevitably pay more for car insurance than drivers in rural areas. Urban areas tend to have higher accident rates, for example, and drivers have a higher likelihood of making a claim.

If you live in the Salt Lake City / Provo metropolitan area and surrounding communities, then you can expect to pay slightly more for car insurance than someone who lives in a less populated part of the state. That means drivers in Orem, Sandy, West Jordan, West Valley City, and Bountiful, among other communities, can expect to pay slightly higher prices for car insurance.

Nevertheless, the difference isn’t as noticeable as it is in other states. With a metropolitan area population of 1.2 million, Salt Lake City is smaller than many other American metropolitan areas. You can expect to pay slightly more for car insurance in the urban areas of Utah – but not enough to break the bank.

Car Insurance for Teen Drivers in Utah

Utah’s Department of Public Safety Driver License Division operates the graduated driver licensing (GDL) program across the state. If you’re a driver younger than 19 years old, you must follow the rules of this licensing program in order to qualify for a full license.

You can get your learner’s permit in Utah when you turn 15 years old. Then, you can apply for an unrestricted license when you turn 16, assuming you’ve completed a certain amount of behind-the-wheel practice (40 hours of total practice, including 10 hours of night practice) and held your license for more than 6 months.

Drivers with a learner’s permit typically do not need special car insurance if they’re driving a covered family vehicle. If your parents are teaching you to drive in your family vehicle, for example, then you don’t need to upgrade your car insurance plan. However, you will need to upgrade your car insurance policy as soon as you upgrade to your unrestricted driver’s license. At this point, your parents will need to upgrade the family car insurance policy or you will need to purchase your own car insurance in Utah.

Utah Auto Insurance Rules And Requirements

Utah is one of the many “No-Fault” states when it comes to auto insurance. This basically means that you need to insure yourself so that you will be covered in the event of an accident, no matter who is at fault.

In order to do this, Utah has implemented a few laws governing necessary insurance coverage:

  • Minimum liability auto insurance limits of 25/50/15 (see the chart below).
  • Uninsured and underinsured motorist bodily injury coverage, with minimums of 10/20 (see the chart below).
  • Personal injury protection (PIP) will pay for any of your personal expenses relating to the accident, such as loss of wages or medical expenses.

If the cost of your accident-related injuries exceeds your PIP coverage, and the other driver is found to be at-fault, you are entitled to collect payment to pay for the remainder of your expenses.

Utah drivers may decide to purchase policy add-ons, like collision and comprehensive coverage, to provide greater protection.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $25,000 per person

$50,000 per accident

Property Damage Liability Yes $15,000
Uninsured Motorist Bodily Injury Yes $10,000 per person

$20,000 per accident

Underinsured Motorist Bodily Injury Yes $10,000 per person

$20,000 per accident

Personal Injury Protection Yes $3,000

You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.

Auto Insurance for Leased Vehicles in Utah (UT)

Most leasing companies in Utah typically require drivers to maintain insurance coverage which exceeds the minimums set by Utah state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Utah Auto Insurance Contacts

Utah Division of Motor Vehicles 
210 North 1950 West
Salt Lake City, UT 84134
dmv.utah.gov
Utah Insurance Department 
3110 State Office Building
Salt Lake City, UT 84114
www.insurance.state.ut.us

Insurance Agents By City/Town In Utah