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Utah’s Car Insurance Minimums Plus Penalties For Driving Without Coverage

If you are looking for Utah car insurance rates then simply enter your zip code at the very top of the page and you can get low insurance quotes from top insurers in your area. It takes less than a a few minutes.

Minimum Auto Insurance Coverage in Utah

CoverageUtah Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 per person / $65,000 per accident$100,000 per person / $300,000 per accident
Property Damage$15,000 per accident$100,000 per accident
Medical Payments Coverage (MedPay)$3,000 per person$5,000
Uninsured MotoristN/A$25,000 / $50,000
Comprehensive CoverageN/A$1,000 deductible
Collision CoverageN/A$500 deductible

While you are comparing quotes you can briefly read the state minimum requirements for Utah, any fines or penalties you may incur when driving without insurance, and the average coverage per driver in the state.

Utah law requires each driver who is a resident of the state to maintain minimum coverage. The reason is if you are in an accident your insurer would be able to pay-out for damages.

Cheapest auto insurance providers in the state of Utah.

Note: The cheapest insurance providers we queried for quotes were Bear River, USAA, & Allstate. The next three were 21st Century, Travelers, and GEICO. Each driver had not more than one driver violation with good credit history.

Bodily Injury Liability

The amount is $25,000 per person and a maximum of $65,000 for two or more persons concerned in an auto accident.

Property Damage Liability

Set at a minimum amount of $15,000 for damage to property, public and private, such as guard rails, traffic signs, or a persons mail box the other driver’s automobile.

When you are comparing quotes you will see the numbers like this: 25/65/15 which are always represented in thousands as mentioned previously.

2nd list of affordable insurance firms in the State of Utah.

Note: This is the second illustration of top insurance companies in Utah. All of them are well worth getting a car insurance premium from.

Utah is a “no-fault” state which means each vehicle owner’s insurance will cover their medical expense or vehicle damage no matter who is to blame for the accident.

The purpose of Utah being a no-fault state is to reduce the amount of court filed claims and lawsuits from drivers which in turn helps drive down insurance costs.

Since UT is a no-fault state Personal Injury Protection or (PIP) insurance is required for all drivers. PIP insurance will cover medical expenses of the insured driver.

In UT if you have a health insurance plan you can opt to get the minimum PIP insurance cover which is $3,000.

Cheapest Insurance Coverage Options in Utah

RankUtah Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O Driver
1Bear River$1,251$612
2USAA$1,254$611
4Allstate$1,294$634
421st Century$1,334$676
5Travelers$1,337$688
6GEICO$1,354$696
7AAA/Automobile Club$1,529$744
8Farm Bureau Mutual $1,557$710
9Progressive$1,543$711
10Allied$1,957$732
11Nationwide$1,839$765
12National General$1,495$772
13MetLife $1,427$804
14Liberty Mutual$1,988$912
15American Family$1967$912
16Hartford$1,540$997
17Unigard$1,714$1,003
18Chubb$1,927$1,123
19California Casualty$1,296$1,174

There is optional coverage you can get which are comprehensive, collision, uninsured motorist protection, and underinsured motorist protection.

More expensive auto insurers in Utah

Note: This illustration shows the more expensive insurers in the State of Utah. You may be able to get insurance discounts to help with the higher cost of the premium.

Since Utah, like most states, has a significant number of uninsured motorists it is recommended to carry uninsured/underinsured motorist protection or (UM).

It it important to know that UT has a comparative negligence law which means both drivers can be at-fault during the accident.

Under this law you can collect damages only if you are less than fifty percent “at-fault” during the accident.

When the insurers determine who is less than fifty percent at-fault that person can collect for damages.

Illustration of Car Insurance Discounts in Utah

The graph below illustration the savings with insurance discounts. When combined you are able to get 20 percent reduction of your auto premium.

Top insurance discounts in the State of Utah.

Common insurance plans for motorists in Utah

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Personal Injury Protection – 3,000 with a health insurance plan

  • Uninsured Motorist Protection – 25,000/50,000

  • Underinsured Motorist Protection – 10,000/20,000

  • Comprehensive Coverage – $1000 deductible

  • Collision Coverage – $500 deductible

You want to be sure to compare at least three or more quotes from insurers since each one has their own method of determining risk.

Although it is basically the same, each insurer will weigh a determining factor, such as driver history, differently dependent on the company.

The average amount for a yearly policy in the state of Utah is approximately $1,245. So be sure to comparison shop to find the lowest rate possible.

Fine and penalties for driving without insurance in Utah:

  • First offense – minimum $400 fine

  • Second offense – within a three year period $1,000 fine

  • Carry SR-22 insurance when convicted

  • Court costs and fees – approximately $300

Local Car Insurance Agents in Utah & Avg Rate

CityAverage Insurance RateCityAverage Insurance Rate
Alpine$952Layton$906
American Fork$946Lehi$898
Bluffdale$876Manti$1,064
Bountiful$912Pleasant Grove$834
Brigham City$1,004Park City$1,059
Cedar City$999Price$847
Centerfield$963Providence$1,054
Centerville$867Provo$927
Coalville$816Riverdale$938
Cottonwood Heights$965Riverton$995
Deweyville$1,123Roy$965
Draper$1,007Salina$1,094
Eagle Mountain$965Salt Lake City$1,123
Ephraim$1,056Sandy$965
Farmington$943Santa Clara$1,021
Farr West$1,076Santaquin$963
Fillmore$997Saratoga Springs$903
Garland$961South Jordan$934
Grantsville$879South Ogden$815
Gunnison$856South Salt Lake$1008
Hurricane$922Spanish Fork$1,056
Harrisville$934Spring City$984
Heber City$1,098Springdale$997
Helper$945Sunset$999

Conclusion

At Autoinsuresavings we deliver auto insurance rates to you in less than a minute with the advance comparison tool at the top of the page.

You are able to compare as many insurance quotes as you wish, ask for a broker to give you a call, or chat with an agent online.

Everything is set up for your convenience and it is free to find out if you could save forty percent or more on auto insurance.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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