Utah Auto Insurance

Auto insurance in Utah

The current laws state impose the purchase of auto insurance, with the obvious benefit that vehicle owners stay safe and protected in case of accidents. Whether the respective vehicle is used for professional or personal purposes, having a valid insurance policy is not optional. If there is no insurance, the driver in question is liable for fines of up to $1,000 or might have his/her driver's license and vehicle registration suspended, for up to six months. If you are interested in discovering more information on the topic of auto insurance in Utah, just keep on reading this article.

What type of car insurance do you legally need in Utah?

According to the Mandatory Liability Insurance Act, all Utah residents who operate a moving vehicle are obliged to purchase a liability insurance policy. If there is a lapse in the mandatory insurance, the respective vehicle registration might be suspended for several months or more. The local authorities have access to an online insurance verification system, which can be used to determine whether a vehicle has insurance or not.

For a resident to operate a vehicle in the state of Utah, the respective auto insurance must meet several requirements. These include: bodily injury liability ($65,000 per accident and $25,000 per person), property damage liability ($15,000 per accident), uninsured/underinsured motorist bodily injury ($65,000 per accident and $25,000 per person), and personal injury protection ($3,000 per accident). The full coverage insurance is more beneficial than the minimum liability coverage, as you can add options such as comprehensive and collision insurance. It is for the best to choose a higher liability coverage limit than the one imposed by law in Utah. In this way, you will be protected, should the worst-case scenario occur.

The sums mentioned above refer to the maximum amounts insurance providers will be able to pay, should you be involved in an accident for which you are at fault. The law requires that all vehicle owners carry a copy of their insurance policy while driving. Of course, it is illegal to drive without insurance in Utah, consequences including legal fines and the suspension of one's driver's license or vehicle registration, as mentioned above. Should one continue to drive without a valid insurance policy, jail time might be legally enforced.

Average cost of auto insurance in Utah

The state minimum auto insurance policy in Utah has a value of $587. However, a full coverage insurance policy has an average value of $1,386 per year. Collision and comprehensive coverages might not always be included in this policy, which means you will have to pay extra for them. Among the factors influencing the overall insurance rates, there are: marital status, gender, age, driving record, location, number of miles driven, the presence of prior insurance, vehicle, etc. The best thing you can do is choose an insurance policy that offers a wide coverage, staying away from those that are suspiciously affordable.

It is common knowledge that the average cost of auto insurance varies from one state to the other. Such variations are valid for both the minimum coverage and the full version, including when you add options such as comprehensive and collision insurance. Among the factors that influence these values, there are: road conditions, how many uninsured drivers there are in the city, number of drivers in accordance with the general population, at-fault accidents, accidents caused by weather elements or conditions, etc.

Utah has a rate for the average car insurance than the national median, which is around $1,770. The states with the most expensive policies include: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. As for the most affordable states, these are: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. New York has some of the most expensive auto insurance rates, with $1,339 for the minimum version and $2,996 for the full coverage. Maine is the most affordable, on the other hand, with $227 for the minimum version and $876 for the full policy.

Within the state of Utah, there are also specific differences between cities. Provo has some of the most affordable rates to offer, while West Valley City stands at the top of the list in terms of costs. The average annual premiums are as follows: Provo - $1,674; Orem - $1,703; West Jordan - $1,756; Salt Lake City - $1,785; West Valley City - $1,839.

The driver's age is one of the chief factors influencing the value of auto insurance. Typically, this type of insurance costs more for young drivers, as insurance companies perceive them as immature and irresponsible. A teenage driver usually expects an annual premium of over $7,700, as opposed to a middle-aged driver, who might be accustomed to a premium that is close to $2,000. There are also slight differences between genders, with women paying more for their auto insurance policies. Married couples benefit from the most affordable coverages, in contrast to those who are divorced, single, or widowed.

In calculating the value of a potential coverage policy, auto insurance companies will also analyze the driver's credit history, among other factors. Drivers with exceptional credit can save significant sums on their car insurance premiums, in contrast to those with a poor credit history. Prior driving offenses, such as at-fault accidents, DUI/DWI, reckless driving, or speeding, will increase the overall insurance rates as well. The rates vary in accordance with the type of coverage as well. You add both comprehensive and collision to the state minimum policy, in order to increase the level of protection offered.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Utah. Find car insurance in Utah by city, zip code or county name.

Finding the right auto insurance in Utah

If you are having a tough time finding the right insurance policy, perhaps you might rely on our expert assistance. With years of experience and knowledge accumulated in the field of auto insurance, we are happy to match drivers with the best policies for their needs and available budget. Just give us a call and we will be more than pleased to provide you with the desired support. Remember, this service is free-of-charge and it can make a genuine difference whereas your insurance needs are concerned.