Utah requires liability insurance, but minimum coverage barely scratches the surface. We help you find the right balance of protection and price — comparing 30+ carriers so you don't have to.
Here's what auto insurance protects you from — and why it matters for Utah residents.
Required by Utah law. Covers bodily injury and property damage you cause to others. Utah minimums are 25/65/15, but we often recommend higher limits.
Pays to repair or replace your vehicle after an accident, regardless of who's at fault. Essential for newer or financed vehicles.
Covers non-collision damage: theft, vandalism, weather (hail is common in Utah), fire, animal strikes, and falling objects.
Protects you when the other driver has no insurance or not enough. Utah has a higher-than-average uninsured driver rate.
Required in Utah. Covers your medical expenses and lost wages regardless of who caused the accident. Utah minimum is $3,000.
Every driver in Utah. It's the law — and with Utah's growing population and increasing traffic, proper auto coverage has never been more important.
Utah requires 25/65/15 liability ($25K bodily injury per person, $65K per accident, $15K property damage) plus $3,000 PIP. We usually recommend higher limits.
Average is $1,200–$2,000/year for full coverage. Rates depend on your driving record, vehicle, age, credit, and where you live. We shop 30+ carriers to find the best price.
Yes — bundling typically saves 10–20% on both policies. It's one of the easiest ways to lower your overall insurance costs.
Standard auto policies generally exclude commercial rideshare use. If you drive for Uber or Lyft, you'll need a rideshare endorsement. We can add this to your policy.
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