Pay less for better car insurance in Utah

Hassle-free insurance designed to save you time and money in the Beehive State.

Utah car insurance

If you're an experienced driver in the Beehive State—or even a new Utah resident—you know your state’s a beauty. With over 100,000 miles of roadway and close to 2 million licensed drivers, Utah is one of the best places to drive in the country (1,2). And driving insured in Utah is not only smart, but it's also required by the law.

Good news, though: Your car insurance doesn't have to be complicated, costly or involve a lot of paperwork. In fact, Clearcover Car Insurance Company on a mission to make car insurance in Utah hassle-free and get you the most coverage at the best price.

We’ve put together almost everything you need to know about getting Utah car insurance.

Meet the 60-Second Coverage Wizard

Not sure which car insurance coverages you need? Answer a few questions and watch the magic happen.

First, an easy question:
Do you have a vehicle?

Clearcover is a better car insurance experience for Utah drivers.

(Fast quote. Fast claims. Fast everything.)

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Hassle-free quotes

Getting a car insurance quote is quick and easy.

Insurance that puts you in control

File claims instantly, pay bills easily, view proof of insurance, and more—all in the award-winning app.

Quickest claims resolution in the industry

With Clear Claims powered by ClearAI, eligible claims can be paid in as little as 30 minutes—our current record is 7 minutes.

What you need to know about Utah car insurance requirements

Your insurance requirements depend on what state you’re in—so here’s what’s required by current Utah car insurance laws.

Utah minimum coverage requirements

Clearcover goes beyond the basics and state minimums to get you more coverage at a better price.

Bodily Injury Liability Coverage

What is it? This coverage protects other people and their medical bills when you cause an accident. What is the coverage requirement in Utah? A minimum of $25,000 per person and $65,000 per accident.

Property Damage Liability Coverage

What is it? This coverage protects other people’s vehicles and property when you’re at fault. What is the coverage requirement in Utah? A minimum of $15,000 per accident.

Personal Injury Protection Coverage

What is it? This coverage (commonly referred to as PIP) helps pay for your medical bills and other expenses, regardless of who caused the accident. What is the coverage requirement in Utah? A minimum of $3,000 per accident.

Uninsured/Underinsured Motorist Coverage

What is it? This coverage helps pay for your expenses if you’re in an accident caused by a driver who does not have enough insurance to cover your bills. What is the coverage requirement in Utah? A minimum of $25,000 per person and $65,000 per accident

These numbers are the minimum insurance requirements for Utah drivers—in the next section, we’ll cover why that’s key in your search for the best car insurance policy.

What else you should know about Utah’s minimum car insurance coverage requirements:

Why is it crucial to thoughtfully consider your state’s minimums when you’re looking for car insurance quotes?

If you’ve ever been in an auto accident, you know that sometimes the cheapest car insurance or the state-required minimum doesn’t always offer you the best financial protection. In fact, not having enough coverage could cost you far more money in the long run!


To make sure you’re getting the best coverage for your specific situation and budget, connect with one of our trusted Utah car insurance agents.

You should also know that Utah drivers are technically allowed to make the choice to reject (in writing) the loss of income portion of the Personal Injury Protection coverage as well as the Uninsured/Underinsured Motorist Coverage.

While rejecting these coverages can make your insurance policy a little bit less expensive in the short-run, it also removes some crucial rights, so you should carefully consider your options before you waive these protections.

Your right to reject both the loss of income portion of Personal Injury Protection and Uninsured/Underinsured Motorist Coverages is, again, based on minimum state requirements. And as mentioned earlier, bare minimum car insurance coverage isn’t always the best financial move.

Important Utah driving laws and quick resources for Utah drivers

Proof of insurance when you’re on (and off) the road

Utah drivers must carry proof of insurance (in the form of an up-to-date insurance card) and have it available to show law enforcement officers when requested. In fact, you may be required to show proof of insurance even when you’re not on the road if you’ve registered a vehicle in Utah and the registration office can’t find a record of your insurance policy. (3)

Digital proofs of insurance, such as an electronic version of your insurance card, are acceptable in the Beehive State. (And if you’re a Clearcover customer, your auto insurance card is always up-to-date and available via our award-winning app—no matter what car you’re driving.)

Driving laws for Utah teens

The freedom to drive is something most teens and their families anticipate for what feels like forever. While the insurance requirements in Utah remain the same for teen and adult drivers, there are important driving restrictions for young drivers that parents and guardians need to keep in mind.

Teen drivers in Utah can get a learner’s permit as early as 15, and then they must complete a driver’s education course, a set number of driving hours with a parent, and additional testing before a state driver’s license is issued.

Are you a parent or guardian getting your teen ready to hit the road? Check out the Clearcover guide to Car Insurance for Teens—Tips to Keep Them Safe and Protected. And for additional information on Utah teen driving requirements and restrictions, consult the Utah Department of Public Safety if needed (4).

Here’s what you need to know as a new Utah driver

If you’ve just moved to Utah, you have 60 days to complete your Utah vehicle registration and transfer titles.

Your vehicle may also need a safety or emissions inspection to complete all requirements for state registration. If needed, see the Utah Division of Motor Vehicles (5).

To begin the process of updating your driver’s license to your new state of residence, you’ll need to apply through the Utah Department of Public Safety’s Driver’s License Application.

Looking for the best car insurance in Utah? Get more coverage for less with a policy that’s easy to manage in an award-winning app. Get a Quote.

New car registrations and titles in Utah

Whether it’s a brand-new set of wheels just driven off the dealership lot or a new-to-you used car, when you purchase a new vehicle in Utah, you’ll need to complete the titling and registration requirements in a timely manner.

For more details, see the Utah Division of Motor Vehicles (7).

Car insurance quotes in Utah: What to consider

So you’ve reviewed the minimum car insurance requirements for your state (as well as any additional requirements that might be important to your specific situation), and now you’re ready to gather car insurance quotes for Utah drivers.

Here’s where Clearcover comes in.

Getting a Clearcover car insurance quote is fast, easy, digital, and hassle-free—just the way car insurance should be. Get a quick quote.


What to consider in a car insurance quote

Wherever you’re getting car insurance quotes from and whoever you end up insuring with (we hope you choose us!), there are a couple key things you need to consider when reviewing car insurance quotes for Utah drivers specifically.

  1. What car insurance discounts are available in Utah? (More on that below!)

  2. Are Utah’s minimum insurance requirements enough protection for me, my budget, and my assets? (Usually not, but every situation is different. And this is where connecting with an experienced car insurance agent can help you determine what’s right for you.)

  3. When considering car insurance companies in Utah, how long does it take for claims to resolve and for customers to receive payment? (Clearcover’s current record for fastest claims resolution and payment is 13 minutes.)

  4. Am I simply getting quotes for the cheapest car insurance in Utah? Or am I getting the most coverage for the best price—an ideal quote that fits my specific coverage needs and budget?

Once you’ve thought through your car insurance needs and gathered quotes to compare, make sure to touch base with a professional to determine what’s right for you. (Our Utah car insurance agents are included below.)

Utah car insurance discounts

Insurance discounts across the United States can be state specific, such as the Utah Defensive Driver Discount.

Below are just a few of the car insurance discounts we offer to our Utah car insurance customers. For the full list of discounts available to drivers in Utah, check out our Utah Car Insurance Costs + Driver Discounts resource.

Note: Specific rules determine your discount eligibility. Eligibility cannot be determined based on the descriptions provided of discounts below.

Good Driver Discount

If you’re a great driver and meet certain age and driving history requirements, you could qualify for this additional discount.

Anti-Lock Brake Discount

Have an automobile that’s equipped with a factory-installed Anti-Lock Braking System? This could be an easy-earned discount applied to your policy.

Seat Belt Discount

For customers who commit—along with their family and passengers—to using their seat belts as intended. (Seat belts are the law, so another easy win!)

Multi-Vehicle Discount

Insuring multiple vehicles and drivers with us? You could qualify.

Military Discount

This one’s to honor those who are on active duty, serving in the Guard/Reserves, a junior or senior cadet of a military academy, or a retired member of the Armed Forces of the United states.

Utah Defensive Driver Discount

For drivers in Utah ages 50 and up who complete qualifying driving safety courses (6). Knowledge is power!

We automatically apply any discounts available to you to your quote. (We don’t make our customers call us and ask for discounts—we give discounts outright if eligibility requirements are met.)

Find car insurance agents near you

Discover how to get the most car insurance coverage at the best price.
Connect with one of our Clearcover car insurance agents in Utah.

We work with several trusted Utah car insurance agents who can help you understand your current coverage, find the right coverage for your budget, and explore discounts. Check out some of our top-performing agents in Utah below.

Bonus: These Clearcover Certified agents can help you with more than just your car insurance needs.

Dario Garcia

Our experienced agents are dedicated to providing personalized service and convenience, as well as affordable coverage that simplifies today’s overwhelming insurance market. Our insurance experts provide you with a clear picture of a wide range of solutions at the most competitive rates.

Tikki Insurance

We ensure our policies cover all those little details for total peace of mind. Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy.

Questions to ask car insurance agents

Here are a couple key questions you should always ask your agent about your current policy and coverage. (Be sure to ask these questions about any quotes you receive, too.)

  1. What does my current car insurance policy cover?
  2. What’s not covered in my current car insurance policy?
  3. What is covered (or not covered) if I’m in an accident with someone who doesn’t have insurance—or doesn’t have enough insurance?
  4. How much coverage is enough coverage for me?
  5. Is there anything I’m not considering in my car insurance coverage that could be a liability down the road if there’s an accident?
  6. Can you tell me what qualifies for a bundle discount?
  7. I’ve heard about umbrella policies. Can you tell me more about that?

Additional Resources for Utah Car Insurance Customers

Digital insurance for Utah drivers: Average costs, discounts, and more

Are you paying too much? Or is your premium spot on? Learn what the average car insurance costs in Utah and discounts that are available. Read.

How do digital car insurance claims work?

Clearcover is a digital car insurance company. Here’s how digital claims work. (Hint: They’re faster and simpler than traditional car insurance methods.) Read.

When, why, and how to change car insurance companies.

Car insurance shouldn’t be a hassle. So we made switching hassle-free—and you don’t have to wait for your current policy to be up. Read.

How does car insurance pricing work?

Looking for the cheapest car insurance in Utah? Here’s how car insurance pricing works—and why the state minimum isn’t often enough. Read.

How does Clearcover handle claims?

Clearcover has a high customer satisfaction rating for a reason. Here’s how we handle car insurance claims in Utah and beyond. (Our process is quick and simple, just as car insurance should be!) Read.

How to use the Clearcover app.

File and track your claim, call for roadside assistance, and view your secure digital insurance card—everything is a few taps away in the Clearcover app. Read.

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  1. Kirsten Carney, "Road Miles by State," Cubit's Blog, accessed June 17, 2021.
  2. I. Wagner, "Number of licensed drivers in Utah in 2016,", accessed June 17, 2021,