Pay less for better car insurance in Utah
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.
In this resource for Utah drivers, we'll cover:
- How to get the fastest car insurance claims processing in your state with Clearcover
- What auto insurance is required by the state of Utah
- How to understand your car insurance quotes in the Beehive State
- What car insurance discounts are available in Utah
- Car insurance agents in your area
- What to ask an auto insurance agent
- And lots more! Additional resources are provided at the end of this guide.
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?
You need Liability Coverage.
Everyone does—it’s the law. Liability insurance protects other people and their property when you cause the damage. It includes Bodily Injury coverage and Property Damage coverage.
No vehicle? You probably don't need car insurance.
Need car insurance to drive a car that doesn't belong to you? You need a specialty policy called Non-Owners Insurance. (Unfortunately, we don't sell it.)
Let’s say your car was damaged by a storm or by an accident you caused. Do you want your insurance to help pay to repair or replace it?
You chose Comprehensive/Collision coverage.
Good call! It’ll help pay to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident. (You’re in good company, too. Most people add this to their policy.)
Okay. Are you currently making payments on your vehicle?
You’re likely required to purchase Comprehensive/Collision coverage. It’s mandatory for financed cars.
(Comprehensive/Collision coverage pays to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident. Most drivers purchase it.)
Got it. We won’t add Comprehensive/Collision to your list for now.
Consider it for the future, though! It’s a useful coverage that helps to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident.
Do you want your car insurance to cover your medical bills, no matter who caused the accident?
Good choice!
Uninsured/Underinsured Motorists Bodily Injury coverage help you pay your medical expenses if you’re in an accident caused by someone who either isn’t insured or doesn’t have enough insurance to cover your bills. (1 in 8 US drivers is uninsured!)
Medical Payments and Personal Injury Protection are coverages that help cover your medical expenses after an accident—even if you're at fault.
Okay, we won’t add Medical Payments (or similar Personal Injury Protection) or Uninsured/Underinsured Motorist Bodily Injury to your list for now.
Keep in mind that if you don’t get these coverages, you’ll need to pay for all your post-accident medical bills some other way—either out-of-pocket or through your personal health insurance.
No problem. We’ll help you think it through.
Do you have a health insurance policy that covers auto accidents and has a low deductible?
Keep in mind that if you don’t get these coverages, you’ll need to pay for all your post-accident medical bills some other way—either out-of-pocket or through your personal health insurance.
In that case, you’ll probably want coverage for medical bills.
Uninsured/Underinsured Motorists Bodily Injury coverage help you pay your medical expenses if you’re in an accident caused by someone who either isn’t insured or doesn’t have enough insurance to cover your bills. (1 in 8 US drivers is uninsured!)
Medical Payments and Personal Injury Protection are coverages that help cover your medical expenses after an accident—even if you're at fault.
Now, let’s say your car is in the shop because of an accident. Do you want your insurer to help you get around while you wait for the repair?
Great—we’ll include Alternate Transportation coverage.
While others insurers only cover the cost of a rental car, Clearcover provides a cash payout to use for whatever transportation is best for you. (Uber rides, a rental car, a couple scooter trips—whatever works for you, works for us.)
One more question…
Got it. We won’t include Alternate Transportation coverage.
Just so you know, Clearcover’s Alternate Transportation Coverage, isn’t limited to rental cars. We pay you cash that you can spend on whatever transportation is best for you. (Uber rides, a rental car, an albatross—whatever works for you, works for us.)
Would you like some help for things such as a flat tire, out of gas, dead battery, locked out or stuck?
Roadside Assistance is what you want!
It covers the cost of sending a service technician when you need help on the road.
Well done! Let’s take a look at the coverages you chose.
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Liability Coverage
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Bodily Injury
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Property Damage
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Vehicle Coverage
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Comprehensive
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Collision
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Medical Coverage
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Un/Underinsured Bodily Injury
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Specialty
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Alternate Transportation
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Roadside Assistance
Want to save up to 45% on this policy?
Clearcover is a better car insurance experience for Utah drivers.
Looking for quick car insurance quotes in Utah?
Get a QuoteHassle-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.
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.
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.
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.
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!
Read more...
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
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.)
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).
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.
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.
Read more...
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.
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What car insurance discounts are available in Utah? (More on that below!)
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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.)
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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.)
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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.
If you’re a great driver and meet certain age and driving history requirements, you could qualify for this additional 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.
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!)
Insuring multiple vehicles and drivers with us? You could qualify.
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.
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.)
- What does my current car insurance policy cover?
- What’s not covered in my current car insurance policy?
- 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?
- How much coverage is enough coverage for me?
- 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?
- Can you tell me what qualifies for a bundle discount?
- 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.
- Kirsten Carney, "Road Miles by State," Cubit's Blog, accessed June 17, 2021. https://blog.cubitplanning.com/2010/02/road-miles-by-state/
- I. Wagner, "Number of licensed drivers in Utah in 2016," Statista.com, accessed June 17, 2021, https://www.statista.com/statistics/198333/number-of-licensed-drivers-in-utah-in-2009/.