Fair car insurance in Utah
From Ogden to Boulder, West Valley City to Salt Lake City, and all the way 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 hundreds.
How it works
Traditional auto insurance companies base your rate on demographics. That means you’re paying based on your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. Root bases your insurance rate primarily on how you drive, not who you are.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for Utah car insurance
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 coverage
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 other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Utah?
The average driver in Utah pays $1,300[1] 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 could save up to $900 a year—all while enjoying simple, fair car insurance in Utah.
Start saving on car insurance in Utah
Get an auto insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 2020
Additional Resources
Utah Car Insurance (not a government agency)