It’s important for all Utah residents to understand the Utah car insurance requirements. Read on to learn all about finding the best Utah car insurance rates and then enter your Utah zip code to start comparing Utah car insurance quotes!

Buying a new car, or even one that has been previously owned by someone else, is an exciting time in any driver’s life, especially if it is their first time purchasing a car for themselves. Between make, model, year, features, size, and color, you might feel like you’ve already made a thousand decisions before you even get to sit behind the driver’s seat, but there’s one more important choice you have to make before you’ll be legal to drive in Utah: car insurance.

Each state has different requirements for what it takes to insure your car, and it’s important that you understand these requirements before purchasing your new car.

Driving Safe in a No-Fault State

Often one of the only things you can be thankful for after getting into a car accident was that it wasn’t your fault, and you’ll be able to seek compensation from the car insurance company of the other driver. However, Utah, like several other states, enforces a no-fault policy, which means that regardless of who is found to be at fault for the accident, each driver must seek compensation from their own insurance company.

This Utah no fault auto insurance policy is designed to keep auto accident related lawsuits out of the court system. As a result of this policy, all Utah drivers are required to carry a personal injury protection (PIP) policy which offers the following benefits:

1. Coverage of healthcare costs if you are injured
2. Reimbursement for wages lost due to injury
3. Funeral expenses following a fatal accident

Utah Car Insurance Liability Requirements

These days, the cost of all kinds of products and services seem to be skyrocketing, and health care and car repairs are no exception. Although carrying PIP insurance will help to offset some of these costs if you are injured in an accident, it will do nothing to cover the damages to your car, which may cost thousands of dollars before all is said and done.

If you are found to be at fault, and the damages far exceed the victim’s PIP insurance, you might be held liable. For this reason, the state of Utah also requires its drivers to carry these minimum levels of liability insurance:

• $25,000 for injuries sustained by a single driver
• $50,000 for the combined medical expenses of passengers
• $15,000 for any property damages, including but not limited to public property and the victim’s vehicle

Additional Types of Utah Car Insurance Coverage to Consider

If you hate surprises and don’t want to be strapped with unexpected costs when your vehicle is damaged in an accident, you might also want to consider these optional Utah car insurance policy features:

• Collision/comprehensive insurance
• Gap insurance
• Uninsured/underinsured motorists insurance

Free Utah Car Insurance Quote Comparison

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