Utah Car Insurance

Utah Car Insurance—Before You Hit The Road

Utah is perhaps best 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. But before you can hit the road to experience all that Utah has to offer, you need to make sure you have the proper Utah auto insurance on your vehicle. Start your free UT car insurance quote online now.

Utah Auto Insurance Requirements

All Utah drivers must carry proof of auto insurance and present it to any law enforcement officer upon request.

The following minimum coverages are required in Utah:

  • Bodily Injury Liability: $25,000 per person and $65,000 per accident
  • Property Damage Liability: $15,000 per accident
  • Personal Injury Protection: $3,000 per accident*
  • Uninsured Motorist: $25,000 per person and $65,000 per accident**
  • Underinsured Motorist: $25,000 per person and $65,000 per accident**

*The "loss of income" portion of Personal Injury Protection (PIP) coverage may be rejected in writing.

**Uninsured and Underinsured coverages may be rejected in writing.

Utah Teen Driving Laws

Starting at age 15, teens become eligible for a Utah learner's permit, which allows them to drive with an approved instructor or a licensed parent or guardian. Beginning at age 16, if the driver has held a learner's permit for a minimum of 6 months and has completed a minimum 40 hours instructed driving (at least 10 at night), they are eligible to apply for a Utah driver's license. No drivers under 17 (whether learner's permit or driver's license holder) may drive between the hours of midnight and 5 AM, except under certain conditions.

Driving Around Utah's Bonneville Salt Flats

One of the most unique geographical features of Utah is the Bonneville Salt Flats, which can be seen along I-80 between Salt Lake City and Wendover, NV. The area was designated an Area of Critical Environmental Concern in 1985, owing to its unique geology, history, and aesthetic quality.

To help preserve the Salt Flats, be sure to stay on existing roads while driving through the area. The off-road surface may appear sturdy, but much of it is only a thin crust of salt over soft mud and is easily damaged, especially when wet. Additionally, salt water is highly corrosive and can cause damage to the electrical system in your vehicle. So preserve Utah's geographical history (and your vehicle) by sticking to vehicle-designated roads.