The Colorado Plateau, the Rocky Mountains and the Great Basin converge in Utah to make it one of the most beautifully diverse states the country. Arches National Park is filled with natural rock formations of every shape and size while the Deer Creek Reservoir, surrounded by snow-dusted hills, perfectly reflects the wide open Utah sky. A popular hideout for wild west outlaws, “The Beehive State” holds hidden attractions in every corner. Mountain biking in Moab, snowboarding in Beaver Mountain or floating on Lake Powell, the outdoor enthusiast will have a hard time making a choice in this “Four Corners State”. CheapCarInsurance.net is letting Utah drivers get out in nature by bringing all the necessary information on Utah car insurance together in one place. That way, “Utahans” can get up and out and on their way to the next destination in their amazing state.
LAWS & REGULATIONS
Change is constant for a state like Utah. Seasons, weather, climates and winds seem to change as fast as the state’s insurance laws and regulations. Because of that, here is a list of all the useful information needed to stay protected while driving in Utah.
Utah’s Minimum Requirements for Car Insurance
- Vehicles driven in the state of Utah must be covered by Liability Insurance.
- Liability minimums in Utah:
- $25,000 covers an person injured or killed in an accident.
- $65,000 covers an accident where more than one person is injured or killed.
- $15,000 covers the property damage portion of the accident.
New Driver Licensing Requirements
- Utah residents who are at least 15 years old may apply for a Learner Permit. The applicant must pass the 50 question knowledge test and vision screening to qualify for the permit. This permit allows the applicant (under 18) to have the following driving privileges:
- The applicant must drive 40 hours while supervised, 10 hours of which must be completed at night.
- The applicant may drive if a licensed parent/legal guardian or driving instructor is seated in the seat adjacent to the driver.
- The permit must be in the applicant’s possession for at least 6 months if the applicant is 17 years old or younger.
- If the applicant turns 18 prior to the end of the 6-month holding period, he/she may apply for a driver license at that time.
- If the applicant is 18 when applying for the permit, the following guidelines apply:
- Must have a licensed driver who is age 21 or older in the seat adjacent to the driver.
- Must carry the permit at all times.
- Regular License. At age 16, if the applicant has completed all requirements for the permit phase, he/she may apply for a Regular Driver License.
- Vision Screening. Applicants with a visual acuity of at least 20/40 and a peripheral of at least 140 degrees with or without corrective lenses may obtain an unrestricted permit. Restrictions are available for those with differing results.
- Knowledge Test. Utah’s Driver Handbook covers all the necessary topics that are included in the knowledge test. Three attempts may be made to pass; however, on the third failure, the applicant must pay the fee again.
- Road Test. The applicant will need to furnish the vehicle for the test, and the vehicle must be licensed, registered, insured and in good working order. The administrator will inspect the vehicle and evaluate the applicant’s following skill areas:
- Driving posture
- Proper use of lanes
- Starting and stopping
- Grade and Parallel parking
- Traffic observation
- Steering coordination
- Attention at intersections.
- Fees. The following fees are due upon application submition:
- Learner Permit: $15
- Under 21 Driver License: $30
- Over 21 Driver License: $25
- BAC limit: .08 Drunk driving in Utah holds a variety of penalties, and Utah Law (§ 41-6a-502) provides the definition of DUI in the state. The following are the general penalties for a Utah DUI.
- First Offense:
- Jail: minimum 48 hours
- License suspension: 120 days
- Fine: minimum $700
- Ignition Interlock Device (IID): 18 months
- Second Offense:
- Jail: minimum 10 days
- License suspension: 2 years
- Fine: minimum $800
- IID: minimum 18 months
- Third Offense:
- Jail: minimum 60 days
- License suspension: 2 years
- Fine: minimum $1,500
- Alcohol and drug treatment program
- IID: minimum 18 months
- Refusals receive the following penalties:
- First Offense: 18 month license suspension
- Second or Third Offense: 3 year license suspension
- Felonies are mandatory for a fourth or subsequent offense(s).
Texting & Driving Laws
Distraction.gov states that Utah has banned texting for every driver, and novice drivers may not use handheld or hands-free cell phone devices.
Utah has a variety of laws both old and new, and some are as unique as the state’s history. For instance, it is illegal to both fish from a horse’s back and to fish for whale. Women are not allowed to swear, one may not carry a violin in a paper bag while walking down the street and, when driving through Utah, remember that birds have the right of way on all state highways!
Average Car Insurance Premiums
Reaching a record low of 1.13 percent in 2008, Utah’s average premiums as a percentage of income were well under the national average until a spike in 2009. Since then the numbers have been well above the national average.
Drunk Driving Fatalities
The National Highway Traffic Safety Administration reported a sharp increase in Utah’s drunk driving fatalities percentage in 2011. In 2012, however, the percentage had dropped again to 16 while the nation’s average hovered around 31 percent. While the national average has remained steady the last few years, Utah’s fatalities have been on the rise.
Teen Drinking and Driving
Utah has the lowest teen drinking percentage in the country in 2011, according to the Centers for Disease Control.
Vehicular Theft in Utah
Utah saw a decline in vehicle thefts between 2011 and 2012, which brought its rate down to 210.1. The FBI recorded the national average of 2012 at 229, 19 points above Utah’s. That all changed in 2013 when the number of thefts jumped well above the national average where it remained n 2014.