Utah Auto Insurance

Posted by Harry Wagner

Are you on a mission for cheap Utah car insurance? If you recently received your auto insurance renewal and you are tired of watching your rates increase right before your eyes, now is the time to take action. By entering your zip code in the field at the top of the page, you can take action by comparing rates for auto insurance in UT and selecting a more reasonable policy. In the past, motorists were forced to call or visit insurance agencies individually to compare rates. Now, with the rate comparison tool above, you can perform your comparison on one convenient platform.

Utah Car Insurance Laws and Requirements

In the state of Utah, all motorists are required to carry proof of continuous auto insurance coverage in their vehicles with them at all times. The state mandates the required coverage limits for liability and any driver who fails to comply with these strict laws may face severe penalties and punishments. Unlike other traffic violations, individuals that are cited for driving without insurance are required to appear in court. Individuals convicted of driving without insurance may face the following penalties:

  • Conviction of a class B misdemeanor
  • Up to $1000 in fines and surcharges
  • Requirement to file an SR-22 for 3 years
  • Jail time of up to 180 days

Utah is a no-fault state, and because of this, drivers are required to carry both liability insurance and Personal Injury Protection. The minimum requirements for auto insurance in UT are as follows:

  • Bodily Injury: $25,000 per person, $65,000 per accident
  • Property Damage: $15,000 per accident
  • Personal Injury Protection (PIP): $3000 per person

Uninsured Motorist Coverage, Comprehensive, and Collision coverage are all considered optional in UT. While they are not required, they are recommended for added protection against uninsured drivers and to cover the repairs for your vehicle in an at-fault accident. With statistics showing that more than 8% of claims are filed by uninsured drivers, you can see why optional coverages are so important.

Tips to Find Cheap Car Insurance in UT

You do not have to reject coverage and select state minimums in liability and PIP just to save money on your premiums. If you want to be wise and select the right policy, take time to learn how to lower your rates without lowering the level of protection you invest in. Here are a few ways you can keep your premiums low:

  • Purchase auto, home, life, or health from the same insurer
  • Insure more than one vehicle in the household with the same insurer
  • Take advantage of low mileage ratings for extra vehicles
  • Exclude drivers in the household with poor driving records and their own insurance.

Now that you are ready to request Utah auto insurance quotes, gather your current policy information and enter your information today. In just minutes, you can compare the rates with all of the top insurers in the industry. Save both time and money and use tools that are designed to help you as the consumer.