Cheap Utah car insurance

According to MarketWatch, the average cost of minimum coverage car insurance in Utah is around $968 per year.* If you opt for "full coverage," the average cost rises to approximately $2,451 per year.

You can use the average as a starting point, but your premiums could vary based on your:

• Age and driving experience

• Driving record and claims history

• Vehicle type

• Location in Utah

• Credit score

• Chosen coverage levels and deductibles

Your deductibles will also factor in to how much your insurance costs. A deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your monthly premiums, but it can mean more out-of-pocket costs in the event you have to file a claim. A lower deductible will likely increase your monthly premiums but can reduce out-of-pocket expenses following an accident.

Cheap car insurance often has low down-payment options and flexible policy terms from six to 12 months. The best way to figure out what car insurance costs in Utah is to get a personalized quote.

In Utah, drivers need to meet or exceed minimum limits of:

• Bodily injury liability

• Property damage liability

• Personal injury protection (PIP)

Utah insurers are also required to offer you uninsured motorist bodily injury coverage, but you can reject it in writing. Below, we explain each coverage type and the minimum amounts Utah requires.

Bodily injury liability insurance can help pay for other people’s medical expenses and lost wages if they’re injured in an accident where you’re at fault. In Utah, drivers are required to carry at least:

• $30,000 per person

• $65,000 per accident

Property damage liability insurance can help pay for the cost of damages to another person's property—like their vehicle, a mailbox, or a fence—when you’re at fault in an accident. Utah requires all drivers to carry at least:

• $25,000 per accident

To meet Utah state insurance requirements, you have to carry personal injury protection (PIP) coverage, which can help pay for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who’s at fault. The minimum required PIP coverage in Utah is:

• $3,000 per person

Uninsured motorist bodily injury insurance can help protect you financially from injury-related expenses if you're involved in an accident where the other driver is at fault and driving without insurance. As noted above, car insurance companies are required to offer this coverage in Utah, but you can reject it in writing.

An SR22 form is a certificate of financial responsibility required for certain drivers with blemishes on their records, such as:

• DUI conviction

• Suspended or revoked driver's license that has been reinstated

• Other serious traffic violations

Filing an SR22 form demonstrates that you meet Utah state insurance requirements and that you acknowledge you're financially responsible for any accidents you may cause.

With Dairyland, there's no fee to file an SR22 form, and we send the day's forms to the state at the end of every business day to help you get back on the road as quickly as possible.

Car insurance discounts are a great way to keep your expenses in line with your budget. They can help you lower the cost of meeting Utah state insurance requirements or getting more robust coverage. Car insurance discounts we offer in Utah include:

• Multi-car

• Homeowners

• Paid-in-full

• Quarterly

• Advanced quote

• Defensive driver course

As a Utah driver, finding the most affordable auto insurance isn't always the only assistance you need—so we've compiled some additional information you may find useful.

Utah’s driver requirements and driving laws intend to ensure road safety for everyone.

Here are some key laws and responsibilities to keep in mind:

• Utah parking laws state that drivers can't park within 20 feet of crosswalks, 15 feet of fire hydrants, and 30 feet of pedestrian zones.

• Texting while operating a vehicle is illegal but drivers can talk on mobile phones if they do so hands-free.

• Drivers are responsible for their passengers and can be ticketed for a primary offense if anyone in their vehicle aged 18 and under isn’t wearing a seatbelt.

For detailed information, refer to the Utah Driver Handbook.

Here are some Utah state agencies you may need to contact:

The Utah Department of Transportation (UDOT) manages the state's transportation system. For assistance, contact UDOT online or call (801) 965-4000.

The Utah Division of Motor Vehicles (UDMV) handles vehicle registration, titles, and driver licenses. You can contact UDMV online or call (800) 368-8824 for more information.

The Utah Insurance Department regulates the insurance industry within the state, as well as other industries of interest to businesses and consumers. To learn more, contact the Utah Insurance Department online or call (801) 538-3800.

The Utah Department of Public Safety (DPS) is also the home of the Utah State Highway Patrol. Highway Patrol offers answers to some of the state's drivers' most frequently asked questions (FAQs) about Utah traffic laws. You can contact the Highway Patrol if you have additional questions not answered by the FAQs page.