Yes, personal injury protection (PIP) is required in Utah. Drivers in Utah are required to have at least at least $3,000 of PIP coverage for medical expenses, plus additional categories of coverage for especially serious accidents.
Personal injury protection helps ensure that everyone on the road in Utah has some financial assistance for medical payments in the event of a collision. Drivers in all no-fault states are required to have it because they are restricted in terms of when they can sue another driver for compensation after an accident. That means PIP coverage is their first line of defense if they face hospital bills or a long recovery from an injury.
Car insurance usually costs more in states that require PIP, and Utah is no exception - Utah drivers pay an average of $1,041 per year. Car insurance in Utah is expensive for a fairly rural state, because it is a no-fault state with higher than average traffic fatalaties.
Compare that to car insurance in Wyoming, which costs about $940 per year. Wyoming is an at-fault state, unlike Utah. That means Wyoming drivers aren’t required to buy PIP insurance. Insurance in Utah is relatively a little more costly as a result.
PIP Insurance in Utah at a Glance
||Yes, PIP is required
|Minimum PIP coverage
||at least $3,000 of PIP coverage
|Annual cost of insurance
|State accident laws
|National cost ranking (1=most expensive)
Utah’s car insurance laws affect the cost of insurance compared to other states. Utah drivers pay an average of $1,041 per year. Car insurance in Utah is expensive for a fairly rural state, because it is a no-fault state with higher than average traffic fatalaties.
Compare that to car insurance in Wyoming, which costs about $940 per year. Car insurance in Wyoming is affordable because much of the population is spread across rural areas. Comparatively, insurance in Utah is a little more costly.
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