- Does Everyone in Utah Need Liability Insurance?
- Is Utah a No Fault State?
- Cost For Liability Insurance Only (By City)
- Is Utah A No-Fault State?
- Full Coverage Utah Liability Insurance
- Should I Upgrade To Full Coverage? Cost By City
- 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
- Who Has The Lowest Liability Insurance Price? (By City)
- Q1: What is Utah liability insurance and what does it cover?
- Q2: How can I find affordable Utah liability insurance rates?
- Q3: Are there any specific requirements for liability insurance in Utah?
- INSURANCE SERVICES WE OFFER
- 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 in its 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 been 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?
Utah operates under a modified no-fault auto insurance system, blending aspects of both traditional tort liability and no-fault insurance. In a no-fault system, each driver’s insurance company pays for their own medical expenses and other economic losses, regardless of who is at fault in an accident. However, Utah’s system still allows injured parties to pursue claims against at-fault drivers for non-economic damages exceeding a certain threshold. This threshold, known as the “verbal threshold,” requires that the injuries meet specific criteria such as death, permanent disability, or disfigurement. Understanding Utah’s unique approach to no-fault insurance is crucial for drivers to navigate the complexities of liability coverage effectively.
Cost For Liability Insurance Only (By City)
| City | Price |
|---|---|
| Syracuse | $98.00 |
| Price | $90.00 |
| Smithfield | $92.00 |
| Cottonwood Heights | $104.00 |
| Alpine | $101.00 |
| South Jordan | $86.00 |
| North Logan | $88.00 |
| Lindon | $102.00 |
| Tremonton | $102.00 |
| Saratoga Springs | $104.00 |
| West Haven | $105.00 |
| Tooele | $88.00 |
| Centerville | $88.00 |
| West Valley City | $100.00 |
| Washington Terrace | $103.00 |
| Herriman | $95.00 |
| Kaysville | $92.00 |
| Grantsville | $87.00 |
| Hurricane | $96.00 |
| Provo | $109.00 |
| St. George | $95.00 |
| Kearns | $109.00 |
| Millcreek | $110.00 |
| Bluffdale | $90.00 |
| Ivins | $90.00 |
| Logan | $95.00 |
| Sandy | $88.00 |
| Draper | $87.00 |
| Murray | $102.00 |
| Woods Cross | $89.00 |
| Stansbury Park | $109.00 |
| Taylorsville | $99.00 |
| West Point | $94.00 |
| Washington | $93.00 |
| Ogden | $100.00 |
| Brigham City | $94.00 |
| Hyrum | $100.00 |
| Cedar City | $88.00 |
| Highland | $98.00 |
| Mapleton | $87.00 |
| American Fork | $92.00 |
| Heber | $95.00 |
| Clinton | $100.00 |
| South Ogden | $103.00 |
| Lehi | $91.00 |
| Summit Park | $88.00 |
| Spanish Fork | $106.00 |
| Santaquin | $89.00 |
| Midvale | $105.00 |
| Riverton | $101.00 |
| South Salt Lake | $94.00 |
| Cedar Hills | $107.00 |
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 almost any instance so that you are not out of a vehicle if it is totaled.
Check below for the average cost of 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 |
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
|---|---|
| Santaquin | $152 |
| Summit Park | $168 |
| Orem | $152 |
| Cedar Hills | $147 |
| North Ogden | $179 |
| Smithfield | $151 |
| Alpine | $175 |
| Kaysville | $176 |
| Ivins | $180 |
| Salem | $179 |
| Cottonwood Heights | $174 |
| Ogden | $154 |
| Price | $152 |
| Riverton | $181 |
| Tremonton | $158 |
| Logan | $164 |
| North Salt Lake | $164 |
| Heber | $176 |
| Bountiful | $174 |
| Pleasant Grove | $171 |
| Holladay | $160 |
| Spanish Fork | $164 |
| West Jordan | $162 |
| Highland | $149 |
| North Logan | $182 |
| South Jordan | $171 |
| Eagle Mountain | $163 |
| West Point | $164 |
| Clearfield | $168 |
| Kearns | $171 |
| South Salt Lake | $162 |
| Centerville | $147 |
| Hyrum | $149 |
| Saratoga Springs | $148 |
| Midvale | $176 |
| Bluffdale | $154 |
| Farmington | $164 |
| Grantsville | $158 |
| Murray | $153 |
| Magna | $162 |
| Provo | $167 |
| Draper | $163 |
| Vernal | $152 |
| Hooper | $155 |
| Clinton | $175 |
| Park City | $157 |
| Taylorsville | $169 |
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 for up to a year
- Obtaining an SR-22 for up to 3 years
- Court security charge of $50
- A license reinstatement fee of $30
- A 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 into Utah insurance laws and what plan would be the 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, or 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, in 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 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 those 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 |
Who Has The Lowest Liability Insurance Price? (By City)
| City | Price |
|---|---|
| Summit Park | Progressive |
| Roy | Farmers |
| Midvale | Progressive |
| St. George | Progressive |
| Taylorsville | Progressive |
| American Fork | Geico |
| Pleasant View | Progressive |
| Tremonton | Geico |
| Ivins | Geico |
| Holladay | Geico |
| Magna | Progressive |
| Springville | Geico |
| Tooele | The General |
| Stansbury Park | Geico |
| Sandy | Geico |
| Hurricane | The General |
| Park City | The General |
| West Haven | Progressive |
| Pleasant Grove | Progressive |
| Highland | Geico |
| Draper | Geico |
| North Salt Lake | The General |
| Bluffdale | The General |
| Bountiful | Progressive |
| Ogden | Progressive |
| Salt Lake City | Liberty Mutual |
| Vernal | National General |
| Santaquin | Farmers |
| Layton | The General |
| Kearns | Liberty Mutual |
| Price | Geico |
| Riverdale | The General |
| Salem | Geico |
| Washington | Progressive |
| Washington Terrace | Liberty Mutual |
| Lehi | Progressive |
| West Point | The General |
| Lindon | Dairyland* |
| Spanish Fork | Progressive |
| Cottonwood Heights | Bristol West |
| Cedar City | Progressive |
| Heber | The General |
| Smithfield | Liberty Mutual |
| South Ogden | Progressive |
| Alpine | Progressive |
| Farmington | Geico |
| South Jordan | National General |
| Payson | Dairyland* |
| Orem | Progressive |
| Brigham City | The General |
| North Logan | National General |
| North Ogden | Progressive |
| Saratoga Springs | Progressive |
| Woods Cross | The General |
| Clinton | The General |
| West Valley City | The General |
| Kaysville | Bristol West |
| Hyrum | Liberty Mutual |
| Riverton | Liberty Mutual |
| Mapleton | Geico |
| Hooper | The General |
| Centerville | Progressive |
| West Jordan | Progressive |
| Herriman | Geico |
| Eagle Mountain | Geico |
| Provo | Progressive |
| Syracuse | Geico |
| South Salt Lake | Progressive |
| Grantsville | Geico |
For personalized assistance and quotes, call us at 1.888.445.2793.
Q1: What is Utah liability insurance and what does it cover?
Utah liability insurance provides coverage for bodily injury and property damage that you may cause to others in an accident. It is mandatory coverage in the state, and our team at A Plus Insurance can help you understand the specific coverage options available.
Q2: How can I find affordable Utah liability insurance rates?
To find affordable Utah liability insurance rates, contact A Plus Insurance. We work with multiple carriers to ensure you get the best rates. For personalized assistance and a free quote, call us at 1.888.445.2793.
Q3: Are there any specific requirements for liability insurance in Utah?
Yes, Utah has specific requirements for liability insurance. Minimum coverage is mandatory, and our experienced agents can guide you through these requirements to ensure you have the necessary coverage. For more information, call us at 1.888.445.2793.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
OTHER HELPFUL LINKS:
| Additional Utah Insurance |
|---|
| SR-22 Insurance in Utah |
| Bundle with Homeowners Insurance in Utah |
| Affordable Liability Insurance in Utah |
| Cheap Insurance in Vermont |
Last Updated on by Alexis Karapiperis