Utah Car Insurance
The first department store in the country was located in the state of Utah and is still in operation today. The state also has one of the most deserted sections of interstate in the country. With a wide range of weather types in many beautiful things to see, Utah has over 2.25 million people in the state, including many drivers. Legally driving in Utah involves meeting requirements for auto insurance plans. By following the requirements put forth by the state, you can avoid fines, fees, and other penalties.
Auto Insurance Requirements In Utah
The requirements for insurance on cars in Utah include bodily injury liability coverage of $25,000 per person and $65,000 per accident. Property damage liability coverage in the amount of $15,000 per incident is also required. The state also has minimum per-person requirements of $3,000 for personal injury protection, also called PIP.
Average Cost Of Coverage In Utah
Costs for car insurance in Utah are lower than the national average by over 20%. Rates are affected by numerous variables, and each person gets a unique quote from each auto insurance company they look into. Auto insurance premiums can be affected by a person’s driving record, age, marital status, gender, and the type of vehicle they drive, among other things. The average cost for auto insurance in Utah is just above $1,100 per year, but many people pay higher rates than the average, and many people pay lower prices than the average.
Also, many people choose to get a more substantial coverage amount than the state minimum. This can help them further protect themselves if an accident occurs. Take the time to educate yourself on what each type of insurance offers protection from, and make sure to consider the deductibles listed on your policy when selecting a plan. Higher deductibles can lower car insurance premiums, but people need to make sure that they can afford the deductibles so claims can be dealt with efficiently if a crash occurs.
Cheapest Car Insurance Companies In Utah
Get the best rates on car insurance in Utah by comparing auto insurance companies. Companies that are are on the lower end of costs in the state include Geico, Farm Bureau Mutual, Progressive, and Bear River. People who are in specialty demographics can also find better rates with companies that specialize in their grouping at times. People who are younger drivers, high-risk drivers, or use their vehicles for commercial purposes can find getting quotes from even more companies to be beneficial.
Cheapest Car Insurance In Utah By City
The range between the most expensive city and the least expensive city to get insurance in Utah is not nearly as drastic as many other states. Still, it is good to know which cities have the lowest car insurance costs on average in Utah. Cities like St. George, Logan, Moab, and Kanab, are among the cheapest places for car insurance plans in the state. These cities are approximately $100 less annually for plans.
Most Expensive Car Insurance In Utah By City
Similarly, the most expensive cities in the state are approximately $100 more annually for plans, on average. Each person will find that their individual rates can vary and fluctuate from a cities average. This is due to each car insurance company weighing different variables to determine rates. Location is one of the variables. Cities like Kearns, West Jordan, Riverton, and Salt Lake City are on the more expensive end of the list in terms of rates.
Laws, Rules, And Penalties In Utah
Simply having a car insurance policy can help people save money. Driving without insurance in Utah comes with harsh penalties that can include suspension of driving privileges. Also, large fines between $400 and $1,000 can be issued. Specific paperwork will need to be maintained for three years after an incident, and there are many additional fees that people have to pay in order to get their driving privileges back.
If pulled over in the state of Utah, a person must provide proof of insurance in order to avoid these penalties. In addition, the state electronically monitors people’s insurance plans, so they know if a person’s policy has lapsed in the past three months. It is possible to pay less in fines if you are able to provide proof you were insured at the time of the incident. There are more harsh penalties for people driving without insurance who are involved in an accident.
How To Save Money On Car Insurance In Utah
It is not surprising that the best way to save money overall is to have a car insurance plan in place that covers your needs. Accidents can be very expensive if a person does not have insurance, as can being pulled over by the police. Discounts are another great way to keep your car insurance costs low.