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Cheap auto insurance in Utah

Illustration of Delicate Arch in Utah's Arches National ParkIllustration of Delicate Arch in Utah's Arches National Park


While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Utah:

Is it mandatory to have car insurance in Utah?

Yes

What are the minimum limits for Utah?

$25,000 bodily injury liability per person 
$65,000 bodily injury liability per accident 
$15,000 property damage liability per accident

—or—

25/65/15

Car insurance coverage in Utah

We’re proud to be able to help drivers in Utah meet their insurance needs. Here are some of the parameters of our insurance coverage in Utah:

What is the maximum bodily injury liability and property damage liability limit available in Utah?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in Utah?

Bodily injury liability and property damage liability must be offered and can’t be rejected. Uninsured motorist bodily injury must be offered but can be rejected.

Personal injury protection can’t be rejected, but its work-loss benefits can be waived if the insured doesn’t have gainful employment.

What coverages are available in Utah?

  • Bodily injury liability

  • Property damage liability

  • Uninsured motorist bodily injury

  • Uninsured motorist property damage

  • Underinsured motorist bodily injury

  • Comprehensive

  • Collision

  • Special equipment

  • Roadside assistance

  • Rental reimbursement

  • Lienholder deductible

  • Personal injury protection

  • Car loan protection

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Utah?

20 years

How far back does Utah go to look at violation history?

3 years

What additional policy types are offered in Utah?

Is an insurance score used in my rating in Utah? If so, is it mandatory?

Yes—it’s part of the rating in Utah, but it’s not mandatory.

What policy terms are available in Utah?

6 and 12 months. Customizable policy terms are also available.

What is the minimum down payment option in Utah?

1 month.

Are SR22s used in Utah? If so, is there a fee?

SR22s are used in Utah, filed at no charge.

What discounts are available in Utah?

  • Multi-car

  • Homeowners

  • Paid in full

  • Quarterly

  • Advanced quote

  • Defensive driver course

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