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Utah Car Insurance

Utah Car Insurance

Utah car insurance made easy—clear coverage, real savings, and instant proof when you need it.

Rather speak with an insurance agent? Call us: (877) 334-7646

Explore Utah Car Insurance

Finding the right Utah car insurance isn’t just about price. It’s about meeting state rules and protecting your family on winter roads, canyon commutes, and everyday miles. At IronPoint Insurance Services, we compare top carriers so you can choose coverage that fits your needs and your budget. Get a quick quote online or talk with a Utah-licensed agent today.

Utah Car Insurance Minimum Coverage Requirements

Utah law requires liability coverage and Personal Injury Protection (PIP). Current minimums are:

Coverage Type What’s Covered Minimum Limit
Bodily Injury Liability Injuries you cause to others $30,000 per person / $65,000 per accident
Property Damage Liability Damage you cause to other people’s property $25,000 per accident
Personal Injury Protection (PIP) Medical expenses for you/your passengers (no-fault) $3,000 per person
Uninsured/Underinsured Motorist (optional) Helps if the at-fault driver has little or no insurance Offered by default; can be rejected in writing

These are the legal minimums. Many drivers choose higher limits—and add comprehensive and collision—to better protect savings and vehicles.

Utah Car Insurance Laws You Should Know

  • No-fault medical (PIP): Your PIP pays first for medical bills up to the limit, no matter who caused the crash.
  • At-fault liability: The driver who causes the crash is responsible for injuries and property damage beyond PIP.
  • Proof & electronic checks: Digital ID cards are accepted, and the state verifies insurance electronically—keep coverage active to avoid tickets or registration holds.

What the Utah DMV/DLD Wants You to Know

  • You must carry proof of insurance and provide it at traffic stops or after a crash.
  • Utah runs electronic insurance checks; a lapse can lead to registration or license suspension until proof is provided.
  • Moving to Utah? Get Utah-compliant car insurance in place before you register your vehicle.

SR-22 in Utah

Certain violations (e.g., driving without insurance, DUI) may require an SR-22 filing to reinstate or maintain your license. We can help file and monitor continuous coverage so you stay compliant.

Utah Car Insurance Discounts

  • Safe driver and accident-free discounts
  • Multi-car and home + car bundle savings
  • Telematics/usage-based programs and low-mileage credits
  • Good-student and defensive-driving course credits

Utah Teen Driving: What Parents Should Know

  • Newly licensed drivers under 18: no driving midnight–5 a.m. except for work, school events, emergencies, or agriculture; or with a licensed adult (21+) in the front seat.
  • First 6 months: passengers limited to immediate family only unless a licensed adult (21+) is in the front seat or specific exceptions apply.

Adding a teen can raise premiums, but good-student and safe-driver programs can help lower costs.

Why Choose IronPoint for Your Utah Car Insurance?

  • Quotes from multiple top-rated carriers
  • Guidance on Utah-specific rules, winter driving, and deductibles
  • Fast, friendly service—online or with a local, licensed agent

Start a Utah Auto Insurance Quote

Compare Utah auto insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Utah Auto Insurance FAQs

What are the minimum car insurance requirements in Utah?

Utah requires at least 30/65/25 for liability ($30,000 per person/$65,000 per accident for injuries, $25,000 property damage) plus $3,000 PIP per person.

Is Utah no-fault? What does that mean for me?
Yes, Utah is “no-fault” for medical bills up to your PIP limit; your PIP pays first regardless of fault. The at-fault driver is still responsible for other damages.
Do I have to buy Uninsured/Underinsured Motorist (UM/UIM)?
Insurers must offer UM/UIM by default, but you can reject it in writing. Keeping it is strongly recommended.
Can I use digital proof of insurance?
Yes. Utah accepts digital ID cards and also verifies insurance electronically. Lapses can trigger fines or suspensions until you show proof.
What happens if I’m caught driving without insurance in Utah?
Expect fines, possible license/registration suspension, and—on repeat/serious cases—an SR-22 filing requirement for reinstatement.
I just moved to Utah. When do I need Utah car insurance?
Before you register your vehicle in Utah, you’ll need a Utah-compliant policy. Get coverage in place to avoid delays.
How do teen driving rules affect my policy?
Passenger and nighttime restrictions apply for new teen drivers, and adding a teen often raises premiums. Good-student and telematics discounts can help.