Can you go to jail for driving without insurance in Utah?

Utah car insurance laws require bodily injury liability coverage of $25,000 per person (up to $65,000 per accident), $15,000 of property damage liability coverage, and $3,000 of personal injury protection coverage.

The first two categories - bodily injury liability and property damage liability - cover injuries or damage that you accidentally cause with your car. Your car insurance pays up to a specified limit for each category. If you want additional coverage, you can choose higher limits than the ones required by Utah law.… read full answer

Utah has no-fault insurance insurance. Most states that require personal injury protection coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That’s when personal injury protection can come in handy for an injured driver.

Since insurance is required by Utah law, you can face multiple penalties if you’re caught driving without it, including up to $1,000 in fines and jail time. Another important Utah car insurance law to note is the grace period for new residents: You have 60 days to register your car when you move to Utah. You’ll need to bring proof of Utah car insurance when you go to register, with at least the following coverage types and amounts.

Minimum Coverage Required by Utah Car Insurance Laws

• Bodily injury liability: $25,000 per person / $65,000 per accident
• Property damage liability: $15,000
• Personal injury protection: $3,000

Car insurance in Utah is $64 per month for minimum coverage and $176 per month for full coverage, on average. The cheapest insurance companies in Utah are Geico, National General and Auto-Owners, and getting quotes from several companies can help you find the best deal.

Average Cost of Car Insurance in Utah by Category

• Clean driving record: $64 per month
• After an at-fault accident: $109 per month
• Driver with poor credit: $109 per month
• Teen driver: $180 per month
• After a DUI: $153 per month

The average cost of car insurance in Utah is 6% higher than the national average auto insurance premium, and Utah ranks 35 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Utah, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.

Finally, it’s worth noting that car insurance premiums in Utah are high, compared to the cost of coverage in neighboring states like Idaho and Colorado. You can find more details in the table below.

Cost of Car Insurance in Utah vs. Neighboring States

Note: Rates are an approximation based on a driver in Utah with minimum coverage. Actual rates will vary.

You can get car insurance in Utah by comparing quotes from both national and local insurance companies to find the best deal, then purchasing coverage online, by phone or in person. In Utah, liability insurance and personal injury protection are required for all drivers.

7 Steps to Get Car Insurance in Utah… read full answer

1. Gather vehicle and driver details

You’ll need to have information about yourself and any other drivers you want on your policy, including driver names, addresses, and driver’s license numbers. You will also need details about the vehicles you’d like to insure, such as vehicle makes and models, VINs, and mileage.

2. Decide how you want to purchase insurance

Most insurance companies allow you to purchase car insurance online. You can also purchase it over the phone or in person through a company’s dedicated agent or through an independent insurance broker. Purchasing through an agent or broker instead of online may be better for people who are less tech-savvy and want to have a person walk them through the available options.

3. Look into the required types of insurance in Utah

In Utah, drivers must have at least a minimum amount of bodily injury liability, property damage liability and personal injury protection.

4. Consider additional types of coverage

You should look into optional types of coverage, like collision and comprehensive. While they aren’t required by state law, lenders and lessors will often require financed vehicles to carry collision and comprehensive insurance, and these types of coverage can help protect your finances.

5. Compare quotes

Comparing prices from several different companies is the best way to make sure you’re getting the best deal.

Cheapest Car Insurance Companies in Utah

6. Check for discounts

Always make sure you’re taking advantage of every discount available.

7. Pay for your policy

You’ll need to figure out whether you’d rather pay monthly or pay in full up front. Most companies offer a slight discount for paying up front. When choosing a specific policy, you’ll also need to pick deductibles for certain types of coverage, like comprehensive and collision.

To learn more, check out WalletHub’s guide to getting car insurance.