Utah Car Insurance – Auto Insurance Quotes in UT
Anyone driving in Utah has to meet the state required minimums for car insurance, or else they risk breaking the law. A number of drivers are not even aware that their state has its own specific requirements, and might not meet Utah’s mandated minimum liability limits.
With MyCarInsuranceRates.com, we make it is easy to research Utah’s car insurance regulations and laws and, from there, discover which car insurance policy and company will best suit your needs. Furthermore, drivers in Utah can simply enter their zip code and begin comparison shopping many different auto insurance companies, to ensure they receive the lowest rates possible for the best policy and cheap Utah car insurance.
Utah Car Insurance Requirements
Utah is one of the few no-fault states in the country, meaning that if there is an accident, the insurance companies of both parties will pay for their policyholder’s respective claim; it does not matter who actually caused the accident. No-fault states typically have more insurance requirements than other states, and Utah is no exception, in part because in a no-fault system, there is an option to sue.
In addition to requiring drivers to have liability insurance, they must also have at least $3,000 in PIP, or personal injury protection. Failure to have adequate insurance or to keep a policy up to date may be a serious infraction and result in fines, suspensions, and even jail time.
Understanding Utah Car Insurance Liabilities & Coverage
The coverage plan for Utah is referred to as a 25/65/15 plan. The required policy must cover bodily injuries of $25,000, at minimum, for each person involved in an accident, and at least $65,000 for the accident itself. The coverage for property damages must total $15,000, at the very least, and that covers both private and public property.
Utah also mandates that drivers carry at least $3,000 in personal injury protection (PIP). The state does not require any policies protecting drivers against other motorists who do not have insurance, but it is a good idea to look into the extra underinsured/uninsured coverage. Experts highly recommend policyholders purchase a policy exceeding the minimum liability limits required.
Utah Insurance Coverage
- Bodily Injury Liability: $25,000/$65,000 Limit
- Property Damage Liability: $15,000 Limit
- Personal Injury Protection (PIP): $3,000 Limit
Any driver looking for free, affordable car insurance quotes can take advantage of the ease and simplicity with which My Car Insurance Rates offers its users access to rate quotes and insurance information from the best auto insurance companies in the country.
Utah Car Insurance Laws & Regulations
In recent years, Utah has cracked down on uninsured motorists by implementing several new laws resulting in severe punishments. Drivers operating vehicles without insurance for the first time face fines of $400; second offenders can face fines up to $1,000. Police are also allowed to impound the vehicle of an uninsured motorist if they are stopped during traffic stops. In addition, uninsured drivers in Utah may be held responsible for any and all damages and injuries incurred if they are in an auto accident.
Average Utah Car Insurance Rates
In 2010, the average rate for car insurance in Utah was $1,427 per year, which came in under the annual, national average rate of $1,538. True to the trend, insurance rates were significantly lower in 2010. MyCarInsuranceRates.com can help you take advantage of those lower rates by giving you the chance to get the cheapest car insurance rates in the state. With just a zip code, we allow car insurance companies to compete for your business by offering free car insurance quotes online.
Utah Car Insurance Quotes
As briefly mentioned, auto insurance rates in Utah were 15 percent lower in 2010. Drivers in Utah can easily find more affordable auto insurance quotes by letting MyCarInsuranceRates.com find and compare which car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP, can offer them the best car insurance rates.
These providers are eager to compete with one another for your business, and when auto insurance companies compete, the customer always wins. In this case the good fortune is twofold; with our help, Utah drivers can get the best policy at the lowest rate.
Enter your zip code now to get an affordable car insurance quote instantly and find cheap Utah car insurance.
