Utah Car Insurance
Car insurance laws in Utah require all drivers to carry liability insurance, which functions as a protection for drivers if they are found to be responsible for an accident. It keeps them from having to pay out of pocket for any damages and injuries they have caused. As a no-fault state, Utah also requires drivers to carry personal injury protection, which covers the driver in the event that he or she is harmed in an accident. Drivers must obtain adequate insurance prior to driving, and must have proof of insurance in their vehicles at all times as well. The minimum amount of coverage required by the state is as follows:
Required Coverages in Utah:
- Bodily Injury Liability Per Person: $25,000
- Bodily Injury Liability Per Accident: $65,000
- Property Damage Liability: $15,000
- Personal Injury Protection: $3,000
According to the Utah Division of Motor Vehicles, failure to provide proof of insurance is considered a Class B misdemeanor. The fine for failing to insure a vehicle is at least $400 for the first offense and $1,000 for the second offense in a period of three years. If the driver is convicted of driving without insurance, his or her license may be suspended as well. Proof of insurance should be kept in the vehicle at all times.
Determining Your Rate in Utah
To determine car insurance quotes in Utah, insurance companies rate the driver’s level of risk, according to the Utah Insurance Department. Risk is determined by the driver’s age, location, marital status, gender, and vehicle. For example, drivers under the age of 25 and drivers who are male are considered to more high-risk than drivers over the age of 25 and drivers who are female. As a result, the higher-risk individuals typically must pay higher insurance rates. Auto insurance companies in Utah also look at the driver’s records and credit history to determine insurance rates.
The Insurance Information Institute states that auto insurance quotes in Utah average $716, which is lower than the national average of $785. To keep insurance premiums low, drivers are encouraged to compare insurance company rates, ask about discounts, and keep clean driving records.