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Cheapest Car Insurance in Utah (UT)

Each state has some form or version of mandatory minimum automobile insurance coverage, and the state of Utah is no different. All drivers must carry at the very minimum liability coverage that meets the minimum state requirements, and there are serious consequences for violations. In Utah, it is illegal to drive any motor vehicle without proof of insurance or some other form of financial responsibility.

Utah requires a minimum liability of $25,000 per person for bodily injury, and $65,000 per accident for bodily injury, as of January 1st, 2009, and $50,000 per accident for property damage. Utah is also what is known as a “No Fault” state, which means that in the event of an accident, the respective drivers are responsible for their own medical expenses. Utah’s No Fault Law requires that drivers carry an additional $3,000 in Personal Injury Protection coverage or PIP to pay your medical bills in the event of an accident with injuries.

Utah law requires drivers to carry valid proof of insurance and present it to any law enforcement officer that may request it. This insurance must be kept current throughout the registration of the vehicle. Utah also compares its registration records with a database of insurance policies for Utah residents, and when a registered vehicle is found without coverage, a letter is sent to the vehicle’s owner requesting proof of insurance be provided. If the owner fails to provide proof, the DMV and state and local law enforcement are informed.

Failure to provide proof of insurance or operator’s security in the state of Utah is a class B misdemeanor that carries a minimum penalty of $400 for a first offense, and $1000 for a second or any subsequent offenses within three years of a conviction. If a person is found to be driving without insurance by the courts or a Utah Department of Public Safety (DPS) administrative hearing, the uninsured vehicle’s registration will be suspended by the DMV. If a person is convicted for failing to insure a vehicle the Utah Department of Public Safety is required to suspend the person’s driver’s license. Licenses and registration will not be renewed until reinstatement fees are paid, and proof of coverage is provided.

The best policy is stay legal by having the minimum required coverage, and keeping current and valid proof with your vehicle at all times. Thanks to the vast number of insurance providers, this is an easy task. There is a myriad of insurance providers offering coverage in the state of Utah, a glance in the yellow pages or a quick trip on the internet will reveal several. With every opportunity from an office down the street, to comparison shopping online, there is no reason to risk driving without coverage.

It can beneficial to contact insurance companies and ask to speak to agents directly about low cost coverage. You can compare rates through this process or by getting quotes online. If you have teenagers, then consider the cheapest option which is to look for a discount for good grades.  You want affordable coverage that will not break the bank so get started today.

“ We offer both liability and comprehensive vehicle coverage, and service everyone including women, young drivers, students, new drivers, and everyone else under the sun in Utah!”

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Actual Yearly Savings
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Test
  • $1500
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014
  • Lenorris
  • $696
  • Mar 11, 2014
  • Robert
  • $500
  • Mar 9, 2014
  • Stacry
  • $2400
  • Mar 9, 2014
  • Adam
  • $2000
  • Mar 8, 2014
  • Naemo
  • $100
  • Mar 8, 2014
  • Maxine
  • $600
  • Mar 7, 2014
  • Kevin
  • $2136
  • Mar 5, 2014
  • Jessica
  • $600
  • Mar 4, 2014
  • Edwin
  • $960
  • Mar 3, 2014
  • Igor
  • $1500
  • Mar 1, 2014
  • Solee
  • $600
  • Mar 1, 2014
  • Ahmed
  • $420
  • Mar 1, 2014
  • Alexander
  • $2268
  • Feb 27, 2014
  • Michael
  • $2400
  • Feb 27, 2014
  • Tyanna
  • $400
  • Feb 26, 2014
  • Natesha
  • $1200
  • Feb 25, 2014
  • Trini
  • $720
  • Feb 23, 2014
  • Wanda
  • $120
  • Feb 22, 2014
  • Alex
  • $1200
  • Feb 22, 2014
  • Courtney
  • $300
  • Feb 19, 2014
  • Brenda
  • $210
  • Feb 18, 2014
  • Ryan
  • $400
  • Feb 16, 2014
  • Mandy
  • $400
  • Feb 13, 2014
  • Brianne
  • $1800
  • Feb 13, 2014
  • Daniel
  • $2000
  • Feb 12, 2014
  • Jaime
  • $1080
  • Feb 12, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



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