Fair car insurance is buzzing in the Beehive State! You already have the ‘greatest snow on Earth,’ amazing rock formations, and the honored title of Jell-O Capital of the World (yes!). But now you have fundamentally fair car insurance, too—in fact, good-driving Utahns can save up to 52% off their current rates.
We base rates primarily on how you actually drive, not just demographics like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.
Since Utah is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. (Root policyholders can find their electronic proof of insurance right in the Root app.) Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Utah—from Salt Lake City to St. George, Ogden to Provo, and in every corner of the Beehive State.
Utah drivers are required to carry both no-fault and liability car insurance. This includes Utah residents and non-residents who have been in the state for at least 90 days.
No-fault car insurance—also called personal injury protection (PIP)—covers your household family members’ and your medical costs after an accident, regardless of who is found at fault. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. The minimum coverage limit is $3,000 per person.
Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what PIP is for) or your vehicle (but Collision and Comprehensive coverages do).
Proof of insurance is required in Utah during traffic stops or if you’re pulled over. Additionally, the Utah Division of Motor Vehicles works with an outside company to electronically monitor the status of your car insurance.
Driving without insurance in Utah is a Class B misdemeanor; penalties can include:
Learn all about Root’s coverage options here:Our Coverages
The average Utahn pays $1,068 2per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $1,187 per year, on average—all while enjoying simple, fair car insurance.