Cheap, discounted Liability Insurance in Utah
Absolutely lowest, cheap Liability Insurance: All about Utah Liability Insurance
KEYWORDS KEYWORDS KEYWORDS!!!
Minimum Liability Requirements for Utah
$25,000 Bodily Injury per person, $65,000 Bodily Injury per accidents, $15,000 Property Damage per accident.
25/65/15
By Lauren McKenzie | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
TABLE OF CONTENTS
- Does Everyone in Utah Need Liability Insurance?
- Is Utah A No Fault State?
- Full Coverage Utah Liability Insurance
- Consequences of Driving Uninsured in Utah
- Save With Bundling Your Utah Liability Insurance:
- Utah Liability Insurance For Drivers With Good Credit
- Utah Liability Insurance For Drivers With Bad Credit
- Insurance Cost Estimator
- OTHER HELPFUL LINKS:
Does Everyone in Utah Need Liability Insurance?
As long as you reside in the State of Utah, or any State in America, you will be required to have liability insurance. Though, each State varies for their minimum requirement, Utah’s minimum requirement will be 25 / 65 / 15.
Although this is the minimum amount to carry for Utah liability insurance, that does not mean you should keep it there. You are more than welcome to increase the liability limits, along with adding additional coverages!
In most scenarios, an accident will be of a greater expense than the minimum liability required but Utah insurance laws. This means that the remaining expenses will need to be paid out of pocket after the liability costs have exceeded.
Do make sure to always carry your insurance with you when operating your vehicle. Without proof of insurance, you can expect some pretty hard consequences such as paying a fine or even being charged with a misdemeanor.
Is Utah A No Fault State?
A question many people may have is : “Is Utah a no fault State?”
The answer is yes. This means that regardless of who is responsible for causing the accident, both parties that were injured are able to seek payment for medical expenses up to $3,000 from their personal insurance carrier.
The way individuals can receive medical payments up to $3,000 is by having Personal Injury Protection (PIP).
Utah does require every individual to have Personal Injury Protection insurance along with Utah liability insurance!
Full Coverage Utah Liability Insurance
Considering full coverage on your vehicle? Full coverage will cover Comprehensive, which is theft, vandalism, glass breakage, and impact with an animal. Collision is also covered with full coverage, which covers impact with another vehicle or object.
If you own a newer vehicle, or are financing a vehicle, you will most likely need full coverage, or should consider full coverage if it’s not required. Full coverage is intended to cover your vehicle in most any instance, so that you are not out of a vehicle if it is totaled.
Check below for the average cost for Full Coverage Insurance in Utah.
| Carrier | Price |
|---|---|
| Nationwide | $143 |
| Progressive Insurance | $145 |
| National General | $147 |
| 21st Century | $153 |
| USAA | $158 |
| Acceptance RTR | $163 |
| Bristol West | $164 |
| Liberty Mutual | $164 |
| Farmers | $166 |
| Travelers | $166 |
| American Family | $167 |
| Allstate | $170 |
| Geico | $172 |
| GAINSCO | $174 |
| The General | $174 |
Consequences of Driving Uninsured in Utah
By not having Utah liability insurance, you will be considered going against the Utah insurance laws requirements. This will mean that the penalties you will face will not be taken lightly.
Penalties will include the following:
- Fine up to $400-$1,000
- Driving Suspension until proof of insurance is provided or suspended up to a year
- Obtaining an SR-22 for up to 3 years
- Court security charge of $50
- License reinstatement fee of $30
- Registration reinstatement fee of $100
Keep in mind these penalties are subject to change whether it is your first offense or second or more offense.
They are also subject to change on whether it was a conviction after a traffic stop citation or a conviction after an accident.
Therefore, you will not want to drive without having Utah liability insurance on your policy. Not only will it cause harm to others involved in an accident but will cause harm to you, your wallet, and your reputation.
Contact one of our licensed agents to help shed some light and give you insight on Utah insurance laws and what plan would be best fit for you!
Save With Bundling Your Utah Liability Insurance:
If you have multiple Insurance products with one company, you can save hundreds of dollars on your insurance policies. Whether you own your home, rent, own an ATV, boat, Motorcycle, or motorhome – we are here to help you save money. On average, drivers save about $120 each year, off of every policy bundled. That means if you bundle your auto and home, you’re saving at least $120 on the auto, and $120 on the home, most cases the savings will be higher!
Below we’ve listed the average cost for liability insurance in Utah with bundling with another product.
| Carrier | Price |
|---|---|
| Nationwide | $116 |
| National General | $124 |
| Dairyland | $127 |
| 21st Century | $131 |
| AssuranceAmerica | $138 |
| Acceptance RTR | $140 |
| The General | $142 |
| GAINSCO | $147 |
| Geico | $150 |
| Mendota Ins. Company | $155 |
| Safeco | $160 |
| Farmers | $164 |
| Progressive Insurance | $167 |
| Bristol West | $170 |
| USAA | $185 |
Utah Liability Insurance For Drivers With Good Credit
Having Good Credit will help save drivers on their Utah Liability Insurance premiums. Drivers with Good Credit are known for paying their bills on time, and in return will receive a cheaper price for liability insurance from the Insurance provider because they are considered a lower risk.
Insurance companies will run a soft credit report, meaning this will not count against your credit as a hard inquiry. If you’re looking for ways to save on your auto insurance, work on building your credit to receive the lowest possible rates.
| Carrier | Price |
|---|---|
| National General | $128 |
| AssuranceAmerica | $136 |
| Dairyland | $140 |
| The General | $143 |
| GAINSCO | $148 |
| Bristol West | $151 |
| Progressive Insurance | $154 |
| State Farm | $158 |
| Acceptance RTR | $159 |
| Mendota Ins. Company | $160 |
| Nationwide | $161 |
| 21st Century | $166 |
| Geico | $166 |
| Liberty Mutual | $166 |
| Allstate | $177 |
Utah Liability Insurance For Drivers With Bad Credit
Do you have bad credit? Unfortunately, credit will follow you, no matter if you like it or not. Credit is used to determine many important big purchases such as buying a home, purchasing a vehicle, and even insurance premiums. If you have bad credit, your insurance payments will likely be higher than that of having good or excellent credit.
The good news? Credit can always be improved over time. Look into what you can do to improve your credit, and save on your Utah Liability Insurance.
| Carrier | Price |
|---|---|
| Nationwide | $150 |
| Mendota Ins. Company | $155 |
| GAINSCO | $159 |
| Dairyland | $162 |
| Acceptance RTR | $163 |
| Bristol West | $166 |
| National General | $166 |
| 21st Century | $168 |
| The General | $173 |
| Geico | $178 |
| Progressive Insurance | $179 |
| AssuranceAmerica | $186 |
| Farmers | $199 |
| State Auto | $200 |
| USAA | $208 |
Insurance Cost Estimator
OTHER HELPFUL LINKS:
| SR-22 Insurance in Utah |
| Bundle with Homeowners Insurance in Utah |
| Affordable Liability Insurance in Utah |
| Cheap Insurance in Vermont |
Last Updated on by Lauren Mckenzie