Cheap Car Insurance in Utah

Shopping for Utah automobile insurance? Sometimes shopping for a provider can be complex. But with, it’s as uncomplicated as keying in your zip code. We can present you with the top 10 insurance providers in your spot, whether you live in a big city like Salt Lake City, West Valley City, or Provo, or a lesser populated area such as West Jordan or Sandy.

Utah Auto Insurance – Average Premiums

There are several factors that affect the average monthly price of Utah vehicle insurance, which falls typically around $71 per month. Your exact location is very important. People living in locations with minimal traffic, such as Provo, will probably get a price around $65 per month on insurance compared to those living in large, busy cities like West Jordan (with monthly rates as high as $88 or more) because places with a heap of traffic often see more accidents. Some neighborhoods also have a greater amount of vehicle thefts, which may lead to a higher average premium, too.

Average Auto Insurance Costs in Utah Legend: Major City Provo Salt Lake Sandy West Jordan West Valley City State Average 10 20 30 40 50 60 70 80 $65 $68 $66 $88 $70 $71


Important Utah Auto Insurance Laws and Requirements

Finding cheap Utah car insurance doesn’t have to be difficult. There are no state requirements to purchase UM/UIM coverage, which can help save on costs. But no-fault insurance is required due to the fact that Utah is a no-fault state. Liability coverage is also a state requirement, and it can result in a misdemeanor with a minimum $400 fine if you can’t prove you’re insured:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Choosing the Right Amount of Utah Car Insurance Coverage

Despite the fact that Utah has lots of needs for motorists, insurance plans continue to be fairly cheap. However this may be because very few motorists are opting to buy optional coverage options for example Comprehensive or Collision coverage. But without these, you may be 100% financially responsible should you finish up a target of thievery or tornados.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Provo Salt Lake Sandy West Jordan West Valley City State Average 10 20 30 40 50 60 70 80 90 100 110 $44 $113 $46 $82 $46 $85 $45 $107 $49 $84 $46 $94


Utah DUI Laws

Drivers convicted of their first DUI offense may face the following penalties: A minimum of either 2 days in prison, 2 days community service, or house arrest; at least a $700 fine; your license will be suspended for 120 days; possible drug/alcohol screening and assessment; and a possible education and treatment program for substance abuse.

Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of Utah, for example, is a state which requires an SR-22 to be filed before your license is reinstated.

DUI Car Insurance Costs in Utah Legend: Clean Record DUI Violation Provo Salt Lake Sandy West Jordan West Valley City State Average 10 20 30 40 50 60 70 $44 $70 $46 $74 $46 $74 $45 $76 $49 $78 $46 $74


Age Limit Laws

Children as youthful as 14 can obtain a student permit within the state of Utah. For his or her newbie of driving, they have to maintain their permit up to date, in addition to accumulate 50 hours of supervised driving (ten hours during the night) and also at age 15, while they continue to be regarded as within the learner’s stage, they are able to drive without supervision between work, school, and residential. At 16 years old, they are able to have an intermediate stage permit which allows more without supervision driving rights. However, additionally, it restricts them from being on the highway between 9 PM and 5 AM, also it restricts the amount of travellers lower to a maximum of one non-brother or sister. At 16 many 6 months old, youthful motorists can obtain a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Provo Salt Lake Sandy West Jordan West Valley City State Average 20 40 60 80 100 120 140 160 180 $167 $173 $177 $172 $184 $175


Credit Score Laws and Regulations

Have you got a a bad credit score score? Well, regrettably, that will make finding car insurance a bit more hard for you. Insurance providers can and with excitement use your credit rating to change your rate the greater your score, the low your payment per month (and the other way around).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Provo Salt Lake Sandy West Jordan West Valley City State Average 10 20 30 40 50 60 70 $37 $70 $39 $72 $39 $73 $47 $75 $28 $41 $38 $66


Insuring your Vehicle in Utah

Did you ever hear the saying “insurance follows the motive forceInch? Well, the, that statement is really false. Your insurance plan is applicable first of all for your vehicle – even when you are not inside it if this will get broken. This is exactly why your insurance provider really wants to know particulars about this for example its brand name.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Provo Salt Lake Sandy West Jordan West Valley City State Average 10 20 30 40 50 60 70 80 90 100 $44 $98 $46 $103 $46 $100 $45 $102 $49 $104 $46 $101


Additional Utah Auto Insurance Laws and Requirements

To date, we have covered some of the most influential factors which is accountable for making your insurance repayments either economical, or perhaps a financial burden. But there are more laws and regulations that may lift up your rates too – when you get caught breaking them, that’s.

Highway Safety Laws

For much better or worse, Utah is among many states which does not have aggressive driving laws and regulations. However, don’t result in the mistake of presuming that harmful behaviors, for example running stop signs and following other motorists too carefully, will not be billed against you when such irresponsible behavior eventually results in any sort of accident. It just implies that you will not come with an extra charge in your record for driving irresponsibly.

Aggressive Driving No state law
Cell Phones and Texting Laws Primary all driver ban: texting
Inc. Penalty for High BAC BAC 0.20
Admin. License Susp. on 1st Offense 1 year

Speed Limits and Cell Phone Use

Thankfully, there’s a principal level all-driver ban on texting while driving. There’s additionally a primary level ban on novice motorists being permitted to speak on the mobile phone while driving. But this is when safety precautions against distracted driving finish in Utah. Though it makes motorists 4x more prone to enter into any sort of accident, it’s still legal for fully licensed grown ups as well as for chartered bus motorists to speak on the mobile phone while driving.

Rural Interstate 70 mph
Urban Interstate 70 mph
Other Limited-Access 70 mph

Important Utah Contacts

Utah Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Utah Website

Utah Department of Insurance

How to contact directly:

3110 State Office Bldg.
Salt Lake City, UT 84114-6901
Phone: 1-801-538-3800

Compare Utah Car Insurance Companies that Offer the Lowest Rates in Your Area