Full Coverage Auto Insurance In Utah: What You Need To Know

Full coverage auto insurance in Utah is a comprehensive insurance policy that offers greater protection than the state's legal minimum requirements. While the minimum coverage in Utah includes bodily injury and property damage liability insurance, full coverage adds collision and comprehensive insurance to protect against damages caused by vehicular collisions, theft, vandalism, or weather incidents. The average annual cost of full coverage auto insurance in Utah is $2,078, which is below the national average of $2,348.

Minimum insurance requirements

In Utah, drivers are required to carry a minimum amount of liability insurance. As a no-fault state, Utah's minimum insurance requirements include personal injury protection (PIP) coverage, which pays for the injuries you sustain in a covered accident, as well as lost wages resulting from those injuries, regardless of who caused the accident.

In addition to PIP, Utah's minimum insurance requirements include bodily injury and property damage liability coverage. The minimum amount of Utah auto insurance coverage is $25,000 of bodily injury liability per person, with a total maximum of $65,000 per incident, and $15,000 of property damage liability per accident. This means that in the event of a covered accident, your insurance will cover bodily injury costs up to $25,000 per person, with a total maximum of $65,000 per incident, and up to $15,000 for damage to another person's property.

Liability coverage also provides for your legal defence if a lawsuit is brought against you as a result of a covered accident. As a resident of Utah, your insurance policy must include two types of liability coverage: property damage and bodily injury. Property damage liability coverage safeguards your assets if you are found legally responsible for a covered accident, covering certain damage you may cause to another party's property or vehicle. Bodily injury liability coverage, on the other hand, safeguards your assets if you are found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

Liability coverage

In Utah, liability coverage is a mandatory component of auto insurance policies. It provides legal protection in the event of a covered accident, including lawsuits filed against the policyholder. There are two types of liability coverage that are required in Utah: property damage and bodily injury.

Property damage liability coverage safeguards your assets if you are found legally responsible for a covered accident. It covers the cost of certain types of damage you may cause to another person's property or vehicle. This coverage is designed to protect you from financial loss in the event of an accident where you are at fault.

Bodily injury liability coverage, on the other hand, is designed to protect your assets if you are found legally responsible for a covered accident resulting in bodily harm to another person. It covers certain expenses associated with the bodily injuries sustained by the other parties involved in the accident. This coverage ensures that the injured party can receive compensation for their medical expenses and other eligible costs, while also protecting you from potential financial liability.

In Utah, the minimum amount of auto insurance coverage required is $25,000 for bodily injury per person, with a total maximum of $65,000 per incident, and $15,000 for damage to another person's property. These minimum coverage requirements are essential for all drivers in Utah to ensure they are adequately protected in the event of an accident.

Optional coverages

Comprehensive Coverage

Comprehensive insurance protects against damages caused by non-collision incidents, such as theft, fire, vandalism, glass breakage, and contact with animals. In Utah, a comprehensive insurance policy with a $1,000 deductible costs $1,257, 114% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay around $1,459.

Personal Injury Protection (PIP)

PIP is mandatory in Utah as it is a no-fault state. PIP reimburses a portion of wage loss, medical expenses, and essential services incurred as a result of an accident to eligible injured parties, including passengers and pedestrians.

Uninsured/Underinsured Motorist Coverage

This coverage protects you in the event of an accident where the other party is at fault and either doesn't carry insurance or is underinsured. It includes both bodily injury and property damage components. Bodily injury coverage helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from an uninsured or underinsured driver. Property damage coverage helps pay for repairs to your vehicle that you are legally entitled to from another driver who is not insured or is underinsured.

Collision Coverage

Collision coverage is used to repair your vehicle when physical damage occurs from a collision with another vehicle or object and is subject to a deductible.

Other Optional Coverages

Other optional coverages offered by insurance providers in Utah include accident forgiveness, roadside assistance, good-as-new vehicle replacement, and loss of use/rental car expense coverage.

Average costs

The average cost of car insurance in Utah depends on the level of coverage chosen. The average annual cost of auto insurance in Utah is $778 for state-mandated minimum coverage and $2,078 for full coverage, which includes optional collision and comprehensive coverage. These prices are well below the national average for full coverage, which is $2,348 per year, while minimum coverage is $639 per year.

Utah drivers with poor credit pay $1,833 more per year than those with exceptional credit. Teen drivers pay especially high rates: $5,563 per year — 301% more than a typical Utah driver.

The cheapest car insurance companies in Utah are USAA and GEICO, with average annual premiums of $448 and $584, respectively. USAA also offers the cheapest full coverage at $897 annually, or $75 per month.

SR-22 insurance

The cost of adding an SR-22 certificate to a car insurance policy in Utah varies depending on the insurance company. On average, it increases minimum coverage rates by $97 per year, but some companies may raise rates by up to $15 per year. The cheapest SR-22 insurance in Utah is offered by Farm Bureau, at $672 per year. USAA offers the lowest rates, at $338 per year, but it is only available to military members and their families.

Drivers in Utah typically need SR-22 coverage if they are caught driving without insurance and their license is suspended. In this case, the SR-22 form is filed as part of the process of reinstating the driver's license. SR-22 coverage may also be required by courts in Utah after a DUI, reckless driving, or other violations.

There are different types of SR-22 coverage, including owner, operator, and non-owner SR-22 insurance. Non-owner SR-22 insurance is for drivers who don't own a car but have been cited for driving without insurance. This type of coverage allows them to drive vehicles not owned by members of their household. The cost of non-owner SR-22 insurance is often the same as standard SR-22 insurance.

The SR-22 form must be kept on file for a minimum of three years in Utah. If there is a lapse in coverage during this time, the driver will need to file the SR-22 for an additional three years.

Frequently asked questions