Utah Car Insurance Requirements

Each state has different insurance requirements for minimum coverage.  Utah car insurance requirements are set at $25,000/$65,000/$15,000.  What this means is you are required to carry a minimum liability coverage of $25,000 per person for bodily injury, $65,000 total/maximum coverage per accident, and $15,000 for damage to another person’s property.  Utah does not have any insurance requirements for Collision or Comprehensive (also called other than collision) coverage.  Collision gives coverage to your own vehicle, however if you have a loan or a lease on the vehicle, your lien holder will require that you carry comprehensive and collision on your vehicle as long as you have an active loan.

Utah car insurance requirements are not the lowest state requirements in the nation, but they are still a MINIMUM, and you should strongly consider having higher liability coverage than what Utah state requires.  If you think about how much an ambulance ride to the hospital costs, and if there are multiple injured in an accident who require medical transport, the minimum car insurance requirements will be used up pretty quickly, even more so if Life Flight is needed, and then you are responsible/liable to pay for the remaining balance.  Typically, however, you can double, or quadruple your liability coverage on your auto insurance policy for only a few dollars a month, and make sure that you have sufficient coverage.  The typical coverage options for your liability (bodily injury to others) in Utah starts at $25,000/$65,000/$15,000 then you jump up to $50,000/$100,000/$50,000 then up to $100,000/$300,000/100,000, and then $250,000/$500,000/$100,000.

In addition to liability and collision coverage Personal Insurance Protection otherwise known as PIP is a no-fault coverage. PIP is often called  no-fault coverage, because it provides insurance benefits regardless of who is at fault in the accident. Utah has a base limit of $3,000 for PIP coverage, and as with the other coverages, higher limits may be available.

If you want to see what the cost difference is for you to go from minimum coverage to a more comprehensive coverage, and make sure that you and your assets are protected, give us a call and we will be happy work up a few options for you. Inside Insurance is ready to assist you with all of your home and auto insurance needs.