Covers the cost of repairs to mechanical parts of your car, like the engine and transmission
Other types of auto-related insurance you can get in Utah include rental reimbursement coverage, classic car insurance, non-owner insurance, and umbrella insurance. These coverages apply to specific situations or needs and are generally available across the country.
Full coverage insurance in Utah is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $65,000 per accident, and $15,000 in property damage coverage. Full coverage in Utah also includes optional collision and comprehensive insurance… read full answer. As a result, full coverage insurance costs an average of $1,253 per year in Utah, while a state minimum policy costs $607.
If you can’t afford to repair or replace your car after an accident, collision and comprehensive are important coverage types—even if they’re not required. Collision insurance covers repair or replacement costs if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. Full coverage insurance costs an average of $1,253 per year in Utah, while a state minimum policy costs $607. Lenders usually require collision and comprehensive in addition to the insurance you must have under Utah law when you finance a car.
Most people should also choose higher liability coverage limits than what is required by Utah law. If you cause an accident and your liability limits don’t cover the whole bill, you are still personally responsible for the rest. In the end, “full coverage” means having the right amount of coverage to protect your assets in a worst-case scenario.
Utah is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).
On average, state minimum coverage costs $607 per year in Utah, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Utah law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In Utah, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $1,253 per year in Utah. There may be cases when you don’t need full coverage insurance, but Utah drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Utah balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Allstate, American Family, The Hartford and Safeco online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
In Utah, drivers need $25,000 of bodily injury liability insurance per person, up to $65,000 per accident, and $15,000 of property damage liability insurance. Utah does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and PIP is required in Utah.… read full answer
Here’s How Much Car Insurance Drivers Need in Utah:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Utah law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
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