Fair car insurance in Utah
From Ogden to Boulder and Salt Lake City to Logan, you can now get affordable auto insurance with Root. No matter where you live in UT, download our app, complete your test drive, and see if your good driving could save you money on your car insurance quote. The best drivers could save up to 52%.
State requirements in Utah
What are the minimum auto insurance requirements in Utah?
Utah is a no-fault state, so drivers are required to carry both Personal Injury Protection and Liability car insurance. This includes Utah residents and non-residents who have been in the state for at least 90 days.
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).
Minimum liability coverage Utah drivers must carry:
$25,000 for bodily injury (per person)
$65,000 for bodily injury (per accident – multiple people injured)
$15,000 for property damage per accident
You can select higher limits if you’d like more coverage.
Personal Injury Protection
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 at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. The minimum coverage limit in Utah is $3,000 per person.
What is the average cost of car insurance in Utah?
The average driver in Utah pays $1,300 per year for their auto insurance, but many people are paying much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers are saving up to 52%—all while enjoying simple, fair car insurance.