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Utah car insurance

Utah Auto Insurance

Compare Auto Insurance in Utah

Utah Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $65,000 per accident
  • $15,000 property damage
  • Click here for more auto insurance minimums in Utah.

Utah DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.16% and higher.
  • Click here for more DUI laws in Utah.

Utah SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Utah.

Utah Hands-Free Laws

  • The Utah legislature has considered several cell phone/texting laws.
  • Utah House Bill 290 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Utah.

Utah Teen Auto Insurance

  • Utah utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Utah teen driver laws.
Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. However, many people don't realize that being underinsured can also be personally devastating. Without the proper coverage amounts, your home, savings, future income, all other personal assets and property can be at risk in order to cover the costs of accident-related medical bills, property damage and lawsuits.

If you are held responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Utah requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $15,000 total for property damage, per accident

It's important to remember that these amounts are strictly the minimum which the State of Utah requires to maintain legal coverage. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage.

For any other concerns or questions, please contact:

Utah Insurance Department
3110 State Office Building
Salt Lake City, UT 84114
(801) 538-3800

Utah Car Insurance Agents


If you are a resident of Utah and are searching for a highly trained auto insurance agent to assist you in putting together a comprehensive yet affordable policy, look no further!

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers. They also understand that their clients need and deserve this coverage at a reasonable cost that doesn't break the family budget.

A good agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to help you throughout the entire claim process. You should also expect your agent to make sure that your policy is up-to-date and that you maintain coverage which is appropriate for your personal situation.

If would like to get a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best Utah Auto Insurance policy available that meets both your needs and budget.

Tips to saving money on your insurance premiums


  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Reduce coverage on an older vehicle, especially if it's paid for.
  • Improve your credit score. Most insurance companies use this score to determine the rates you will pay for insurance. If possible, obtain copies of your personal credit report (from the three major reporting bureaus) and check them for accuracy before applying for insurance. Report any out-of-date information or errors directly to the reporting bureau.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can sometimes earn you up to 10% or more off the total cost of your premiums.

You can be confident when you work with a professional insurance agent that you are getting a comprehensive auto insurance policy that is tailored specifically to your needs and budget. Knowing and using these money-saving tips can add up to even greater savings for you!

For the financially savvy consumer, saving money on Utah auto insurance is fairly easy. If you want a good deal on car insurance, CarInsurance.info is the first step for finding great auto insurance at the best rates. Even if you don't have a spotless driving record, you can rest assured affordable Utah insurance policies are out there. By making informed insurance decisions, you can save a significant time and money. CarInsurance.info offers information on the lowest Idaho auto insurance rates for the entire state.

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