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Utah Car Insurance Information

Requirement : Yes

Car insurance is required in Utah . Drivers must have a minimum of liability, and personal injury protection coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability coverage is required:

    • $25,000 for bodily injury to one person.
    • $65,000 for bodily injury per accident.
    • $15,000 for property damage per accident.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $3,000 for medical expenses per person.

 

Other Car Insurance Coverage Options:

Liability coverage is the only requirements for Utah motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:

    • $160,000 cash or securities deposit with the state comptroller.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. You don’t need proof of insurance to register your car or obtain a driver’s license.

  • Valid forms of proof of financial responsibility include:
    • Insurance card.
    • Insurance binder.
    • Insurance declaration.
    • Certification of financial responsibility.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $400 minimum fine for first offense.
    • $1,000 minimum fine for subsequent offenses.
    • Suspension of driver’s license and vehicle registration until proof of insurance is furnished.

  Credit Scores & Determining Your Insurance Premium :

All Utah drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Western Association of Automobile Insurance Plans (WAIP).

  

Other factors that may be used to determine your premiums include:

  • Credit history
  • Driving history
  • Deductible
  • Year, make, model of vehicle

Discounts : Yes

Discounts available in Utah:

  • Good driver discount.
  • Good student discount.
  • Homeowner discount.
  • Multi-vehicle discount.

Cellphone Use:

There is no ban on cellphone use while driving, except drivers under the age of 18 are prohibited from cellphone use. All drivers are prohibited from texting when driving. Violators face up to a $100


Utah Minimum Coverage Laws

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