Utah Auto Insurance
For drivers in Utah, auto insurance premiums average around $722 per year. Currently, 30 states have higher average auto insurance premiums than those paid by Utah drivers. Drivers can get better rates for UT auto insurance by comparing rates from several companies. When you are looking for Utah car insurance, you will want to arrange coverage for medical expenses and damage as well as damage to property (including vehicles).
Utah Auto Insurance: Required Coverage
Under Utah State law, you are required to carry the following types of vehicle insurance coverage:
- Liability
- Personal Injury Protection
- Uninsured Motorist
Liability insurance pays for injuries and damages caused by you if you are the “at fault” driver in an accident. You are required to have a minimum of $25,000 per person for bodily injury claims and $50,000 per incident (no matter how many people were injured). In addition, property damage insurance in the amount of $15,000 is required. If you see a notation that looks like 25/50/15 referring to insurance coverage, this is what the numbers are referring to.
Keep in mind that these figures are the legal minimums only and you should probably consider buying more coverage to protect your hard-earned assets. Your insurance agent or company will be able to help you determine the appropriate level of coverage for your needs. Many people carry liability insurance of $100,000 per person for bodily injuries or $300,000 for a single accident. Depending on your situation, you may need more than this.
Personal Injury Protection (PIP) pays benefits to you if you are injured in an accident. Utah is one of the “no fault” states when it comes to auto insurance claims, and drivers are required to buy a minimum of $3,000 in coverage. Once again, this amount may not be enough to fully protect you if you were injured in an accident and you may want to consider buying additional coverage.
Uninsured Motorist coverage protects you if your vehicle is damaged by a driver who does not have auto insurance. In this situation, your own insurance company will pay for repairs in accordance with the policy provisions.
Utah Auto Insurance: Optional Insurance Coverage
In addition to the mandatory insurance coverage required by law, Utah drivers can choose to buy the following types of optional auto insurance:
- Comprehensive
- Collision
Comprehensive coverage pays benefits if your car is damaged by something other than another vehicle. This includes such occurrences as fire, flood, theft, or vandalism. If you want to keep your costs for this type of coverage down, then do look at increasing your policy deductible (the amount of money you will need to pay before your insurance company will pay out anything under your policy).
In a situation where you are driving an older car, it may make more sense for you to decide not to buy comprehensive coverage and pay for the cost of repairs yourself. Your insurance policy will only cover you for the fair market value of your vehicle, not what you originally paid for it. Over time, you are paying the same premium for less insurance protection, and once your car is fully paid off, it may not be something you want to continue paying for.
Collision coverage is not required, but many drivers choose to purchase it anyway. In a situation where you took out a loan on your vehicle, the lender will likely require you to have collision coverage in place as a condition of advancing the funds. This type of insurance will pay out if your vehicle is damaged by another vehicle.
Utah Auto Insurance: Proof Of Insurance
After you have arranged for your auto insurance, the company will send you a card indicating that you have coverage in place. Keep this proof of insurance card in your vehicle at all times, in case you are asked to show it during a traffic stop by a police officer.
Failure to have insurance in place is considered quite serious in Utah. A first offense carries a minimum $400 fine, and you also run the risk of having your driving privileges suspended.
Compare Utah Car Insurance Quotes Online Today!
Are you ready to get a great rate for Utah auto insurance? The Utah auto insurance quote tool at the top of this page can help you get the information you need. Click on it to compare multiple companies and save!