Cheap, discounted Liability Insurance in Utah

Absolutely lowest, cheap Liability Insurance: All about Utah Liability Insurance

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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

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.

CarrierPrice
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

Utah Liability Insurance
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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.

CarrierPrice
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.

CarrierPrice
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.

CarrierPrice
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