Utah Auto Insurance Policy Requirements

Q: What is in a basic Utah auto insurance policy?
A: Several kinds of liability coverage are options for your Utah auto insurance policy, and some are required by state law:

  1. Liability Coverage
    1. Because property and people are separate insurance concepts, liability insurance is made up of two different kinds:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is compulsory in Utah. In addition to possessing a valid driver’s license, you must have at least the following liability coverage in your policy:
      1. 25/50/15” (Utah’s minimum auto insurance requirement)
      2. $25,000 for covering injury/death to one person.
      3. $50,000 for covering injury/death to more than one person.
      4. $15,000 for covering damage to property.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is mandatory if your vehicle is financed. If it is not financed, then this is a noncompulsory option on your Utah auto insurance policy.
  3. Comprehensive Coverage is also mandatory if your vehicle is financed. If it is not financed, then comprehensive is noncompulsory in Utah.
  4. Medical Payments Coverage is noncompulsory, though it is a wise addition, for a Utah auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is an optional addition to your Utah auto insurance policy.
  6. Personal Injury Protection (PIP) Coverage must be a part of your insurance policy in Utah.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Utah a No-Fault state?
A: Yes, Utah is not a no-fault state.

Q: How can I get a discount on a Utah auto insurance policy?
A: Discounts to lower the cost of your policy are possible. Have a look at our list of auto insurance discounts for more information.

Q: Where can I find more information about Utah auto insurance?
A: Many online resources will aid you in your search for more information on Utah auto insurance:
  1. Utah Insurance Resources
    1. The Utah Division of Motor Vehicles (DMV) is the government department that manages issuing driver’s licenses among other driver services. Their vehicle insurance page outlines requirements for automobile insurance and insurance verification.
    2. The Utah Insurance Department is responsible for the regulation of the insurance industry, including providing the public with insurance information.
  2. National Insurance Resources

CLICKinsure is proud to serve one of the most beautiful Western states. Utah, with its majestic Rocky Mountains, sleek sand dunes, and pristine expanse of the Bonneville Salt Flats, is a driver’s haven. From Dixie to the Dinosaur National Monument, and from the Wasatch Front to Kings Peak, CLICKinsure, as your broker, can provide you with information on Utah’s auto insurance options. Anywhere in Utah, including Salt Lake City, Provo, West Valley City, West Jordan, Orem, Sandy, Ogden, St. George, and Washington, CLICKinsure can find insurance coverage for you.