Utah Car Insurance

Getting a Car Insurance Quote in Utah

Before you hit the road in Utah, make sure you have the proper car insurance on your vehicle. Whether you're a new Utah resident or someone just looking for a better deal on auto insurance, GEICO can offer you a great combination of superior customer service along with affordable rates. GEICO also offers a variety of car insurance discounts on Utah car insurance.

Utah is known for its rugged and diverse geographical features, such as the Great Salt Lake, Arches National Park, and the Colorado Plateau. One of the best ways to appreciate Utah's majestic landscape is by driving one of its 27 scenic byways, like Logan Canyon Scenic Byway, Mirror Lake Scenic Byway, the Trail of the Ancients, and Highway 12. As you enjoy all the natural beauty that Utah has to offer, make sure your vehicle is covered. Start your free Utah car insurance quote online.

Utah Auto Insurance Requirements

All drivers in Utah are required to carry proof of auto insurance and present it to law enforcement upon request. Utah follows a no-fault insurance system, meaning drivers must first use their own Personal Injury Protection (PIP) coverage for medical expenses before pursuing claims against another driver.

Minimum Required Coverage in Utah:

  • Bodily Injury Liability: $30,000 per person / $65,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Personal Injury Protection (PIP): $3,000 per accident (covers medical expenses regardless of fault)
  • Uninsured Motorist Coverage: $30,000 per person / $65,000 per accident
  • Underinsured Motorist Coverage: $30,000 per person / $65,000 per accident

Understanding These Coverages:

  • Personal Injury Protection (PIP): Utah is a no-fault state, meaning your insurance pays for medical expenses regardless of who caused the accident. PIP coverage helps with medical costs and, in some cases, lost wages. Drivers may reject the "loss of income" portion of PIP in writing.
  • Uninsured/Underinsured Motorist Coverage: While not required, carrying this coverage is highly recommended to protect yourself against drivers who don't have enough insurance. You may reject this coverage in writing.

Utah's No-Fault Insurance System

Utah is a no-fault insurance state, meaning that after an accident, each driver's own insurance covers their medical expenses and other specific costs, regardless of who was at fault. This system is designed to reduce lawsuits and speed up claims processing. Because of this, Utah drivers are required to carry Personal Injury Protection (PIP) coverage, which helps pay for medical bills, lost wages, and other related expenses up to a certain limit.

However, if injuries meet a particular severity threshold, such as exceeding $3,000 in medical costs or involving permanent disability, drivers may still file a lawsuit against the at-fault party for additional compensation. This no-fault system makes PIP coverage essential, while also influencing coverage decisions for more serious accidents.

Discounts for Utah Drivers

There are a variety of discounts available to drivers in Utah that can be secured by maintaining a clean driving record, participating in educational courses, bundling coverages, and more. We suggest taking advantage of them! These discounts can significantly lower your car insurance premium, helping you strike the perfect balance between well-rounded coverage and affordability.

Some key ways to save include:

  • Good Driver Discounts: Save on your premium if you maintain a clean driving record for a certain period.
  • Multi-Policy Discounts: Bundle your auto insurance with homeowners, renters, or motorcycle insurance to receive discounts.
  • Paid in Full Discount: Save more on car insurance just by paying your premiums in full.
  • Defensive Driving Discount: Drivers who've completed an approved defensive driving course may qualify for additional savings.
  • Student & Military Discounts: Special savings for full-time students with good grades and active or retired military personnel.
  • DriveEasy Discount: Enroll in GEICO's DriveEasy program and save on car insurance for safe driving habits.

Local GEICO Insurance Agents in Utah

There's a good chance that there's a local GEICO agent close to you. Nobody knows the lay of the land and the unique challenges that Utah drivers face better than these dedicated specialists, who can help you choose the best coverage, take advantage of available discounts, and more.

GEICO has agents in various parts of Utah, including Salt Lake City and Orem. Call 800-207-7847 today to speak with an agent and get started on building your car insurance!