Utah Car Insurance

There’s so much to see in the state of Utah you don’t know where to begin. Having the natural beauty alongside national parks so just Capitol Reef, Canyonlands, Zion & More it’s crazy to even think where to begin. For those nature lovers, I would like to drive and enjoy the scenery that’s no problem at all you need to do is get behind the wheel of your vehicle and get going. But before you do any of that you’ll need to understand the ins and outs of car insurance in the state of Utah. 

Required Coverages

To legally drive you to need to have ample car insurance on your policy. They have minimum requirements that you must carry, you will need to have both liability insurance and personal injury protection. 

  • $25,000 personal injusry protection per person
  • $65,000 personal injusry protection protection per accident
  • $15,000 property damage per accident
  • $3,000 in personal injury protection per person

Optional Coverages

If you feel like the minimum requirements are not enough, you can always choose to opt for higher coverages that better suit your needs. Here are a list of optional coverages available to you as a Texas driver.

  • Collision Insurance
  • Comprehensive Insurance
  • Roadside Assistance
  • Uninsured Coverage
  • Underinsured Coverage
  • Gap insurance 
  • And more

Factors that Affect Your Insurance Premium

Not all companies use this information the same, one may weigh more than another depending on who you go with. But nonetheless, you should know exactly what factors into your insurance premium and how you can leverage it for cheaper insurance rates. 

  • Driving History
  • Lapses in Car Insurance
  • Age
  • Gender
  • Marital Status
  • Year, Make and Model of your Vehicle
  • Types of Coverages you would like to have
  • Discounts that are applied to your premium

Average Cost of Insurance in Utah

I would say Utah’s one of the more beautiful States, and their cost for insurance reflects that. Insurance in Utah is a lot more inexpensive when compared to the national average you’re about 22% lower. And you’re only looking at about $1,100 each year.

Utah a no-fault state?

Utah is one of the few states that are considered to be no fault. So if you’re in an accident, your insurance company will help you with any lost wages or medical expenses based on your personal injury protection.