Utah historically has been one of the cheapest states when it comes to car insurance. You could get the best car insurance in Utah at a very reasonable price. It is still lower than many states though the insurance rates have been rising in the past few years.
Since a lot of Utah’s population resides in less populated areas, the number of accidents is low. This ensures that the insurance rates stay low. In addition to that, the percentage of insured drivers in Utah is very high. Both of these factors contribute to overall low car insurance rates giving you the best car insurance in Utah. Utah is a no-fault state so the liability of the car insurance company increases. Also, the percentage of auto thefts in Utah (especially Salt Lake City) is very high. This negatively impacts the insurance rate in Utah. The good news is that even with the two negative points mentioned above, Utah still ranks lower than the National average when it comes to car insurance. This balance of negatives and positives allow you to research and find the best auto insurance in Utah which will give you the coverage you require at the lowest premium possible. You can also check the best car insurance companies in the United States.
We have mentioned the minimum car insurance requirements in the state of Utah:
Since Utah is a no-fault state; the motorists in Utah need to have personal injury protection (PIP) and liability insurance. The minimum amounts are as below:
- $25,000 per person bodily injury liability coverage.
- $65,000 per crash bodily injury liability coverage.
- $15,000 per crash property damage liability coverage.
- $3,000 personal injury protection (PIP).
This is the bare minimum that you need to drive legally in Utah. However, it is always advisable to take more coverage as in an accident caused by you; the costs could be much higher than the minimum in which case you would need to pay the difference. Since other than the no-fault aspect, most states in the U.S. have the same coverage requirements, you can shop around for the best auto insurance in Utah. We can help provide you with the various options that you can select from.
Factors that Determine the Best Car Insurance in Utah
Within Utah, the lowest car insurance is in the towns of Saint George, Logan, and Moab on an average. The highest car insurance on an average is in Salt Lake City, West Jordan, and Kearns. In addition to the town or the city you are in, there are other factors that decide your insurance premium. Factors like your age, the age of your car, the safety features in your car, car alarms, types and amounts of coverage are important. This is why insurance premium rates differ widely. This makes it important to get quotes from a lot of insurance companies before you decide on one.
Types of Coverage for Best Auto Insurance in Utah
In Utah, you need to carry property damage liability, bodily injury liability, and PIP as you saw above. Since it is a no-fault state, the PIP is necessary. It is also advisable to have comprehensive coverage in Utah, especially Salt Lake City. Utah holds the fifth highest rate of car thefts in the country. Out of every 1,000 vehicles, 4 are stolen. The rate of auto theft in Salt Lake City is very high. That is why it makes sense to have comprehensive coverage which will cover auto theft.
You can also opt for Collision coverage, Loan/Lease Payoff coverage, Rental Car Reimbursement coverage, Roadside Assistance, Uninsured/Underinsured Motorist Bodily Injury coverage and Uninsured/Underinsured Motorist Property Damage coverage.
Finally, it is important to check if your car insurance company is a reputed one. There will be many local insurance companies who offer you low premiums. But you need to check their ability to pay in case of high claim amounts. There are many big insurers who operate in Utah but you need to check their customer service. The best source of unbiased reviews and ratings is the NAIC (national association of insurance commissioners). You can check the ratings of the insurer you decide on. You can also check reviews about their service.