All insured drivers in Utah are required to have and meet the States minimum requirement for auto insurance. Utah requires insureds to have Liability, along with Personal Injury Protection on their auto policy.

Utah Requires A Minimum Liability Limit of: 25 / 65 / 15

Bodily Injury for One Individual	Bodily Injury for More Than One Individual	Property Damage
$25,000	$65,000	$15,000

Utah Also Requires A Minimum P.I.P. Coverage of : $3,000

Aside from Liability coverage, drivers are able to add Full Coverage to their Auto policy from an additional Premium. If you are financing a vehicle, or purchased a new vehicle – chances are, you will want to insure the vehicle is covered by carrying full coverage insurance. We can help you find cheap full coverage Utah Car Insurance Rates today!

Full Coverage Auto Insurance typically consists of Comprehensive and Collision coverage added to an Insurance policy. While Full Coverage is not required by State Law, it may be required by a Lender if you are financing a vehicle. Learn more about how you can get the most affordable Utah Car Insurance Rates, while still carrying full coverage insurance.

Comprehensive – Subject to a deductible of your choice, usually a $500 or $1000 deductible applies. The Insured would be responsible for paying the deductible in the event of a claim, or At Fault Accident, before the insurance company pays out. Comprehensive will cover the vehicle for things such as fire, theft, vandalism, glass breakage, hail, and an impact with an animal.

Collision – Subject to a deductible of your choice, like Comprehensive. Collision will cover for damages to the vehicle in the event of an accident with another vehicle, or object.

Additional Coverages – Other coverages may be added onto a full coverage insurance policy, which would include Roadside Assistance, Rental Reimbursement, and even Gap Insurance if you have a loan on the vehicle. These coverages can generally be added to your policy for a small additional premium.

SHOULD I GET FULL COVERAGE?

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

Send Message

Before purchasing a vehicle, consider checking the price of full coverage on that vehicle to ensure that it is within your price range. While we do what we can to save our customers money by applying discounts, some factors go into play when determining the cost of full coverage insurance. If a vehicle has higher rates of theft, or the parts are more expensive to replace/repair, the cost of insurance will likely be higher for that vehicle.

Searching for Utah Car Insurance Quotes can seem like a lengthy, difficult process for some drivers. If you go through an Insurance Broker, like our agents at A Plus Insurance, we take the hassle away and do the shopping for you.

How can you save on your Car Insurance ? Consider the type of vehicle you are looking to insure and the coverages for that specific vehicle. If you are financing a vehicle, there are things you can do to save on your Utah Car Insurance Rates, even while carrying full coverage.

Talk with an Agent about discounts available, coverages options such as deductibles, bundling multiple products together such as auto and home insurance, and Safe Driver Discounts.

SR-22 Insurance in Utah

Bundle and Save on Homeowners Insurance in Utah

Last Updated on March 21, 2023 by Moss Camron