Utah drivers pay below-average rates for auto insurance, ranking at number 42 for 2017 with an average rate that is about $300 below the national average. Rates, however, are impacted by a lot of different factors, so some drivers may pay well below the state average and some may pay a lot more. Shopping around is the best way to get the best deal for you – and the best car insurance companies in Utah are a good place to start the search.
The Basics of Auto Insurance in Utah
The state of Utah requires all drivers to carry both liability insurance as well as personal injury protection (PIP) to provide no-fault insurance coverage.
The minimum liability requirement is $25,000 per person and $65,000 per incident for bodily injury in an accident, and $15,000 in property damage liability. That puts Utah in line with most other states in terms of how much liability coverage is required, although the property damage limit is on the low side.
Utah drivers can also select a combined single limit policy. The minimum limit for this type of policy is $80,000, and this amount covers both bodily injury and property damage.
In addition to providing financial responsibility for an accident where you are at fault, Utah also mandates that all drivers carry at least $3,000 in PIP coverage. This no-fault coverage pays medical bills for yourself and passengers in your care in an accident, regardless of which driver is responsible for the accident.
Although not required by the state, comprehensive coverage and collision coverage are usually required on vehicles that are leased or financed. Check with your lender or lease provider to find out what kind of coverage is mandated by your agreement.
Specifics of Utah Auto Insurance
Utah uses a form of no-fault insurance, which means that regardless of who is at fault or even if the fault has been determined, you can file a claim with your own insurance company for injuries and receive payment up to the limits of your PIP coverage. At the legal minimum, that would be $3,000 – but Utah drivers can (and should) choose to carry a higher limit on this coverage in order to be better protected.
In spite of the use of no-fault PIP coverage, the fault will still be determined in the accident, and the driver who is found at fault will be held responsible for property damage and for any injury-related costs that exceed the other driver’s PIP coverage.
Utah uses comparative negligence to determine fault, which means the fault may be 0%-100%, 50%-50%, or anywhere in between. If a driver is found to be less than 50% at fault in the accident, they can seek damages from the driver found to be more than 50% at fault. However, the insurance company may only pay out the percentage of damages that matches the percentage of fault. For example, if the other driver is found to be 75% at fault, their insurance company need only pay 75% of the damages. This makes carrying higher PIP coverage limits even more important.
Our top picks for Utah are all highly rated companies with a great reputation. Good customer service and excellent claims handling are our biggest requirement in an insurance company. Regardless of how inexpensive the rate, it is not a good deal if the company doesn’t take care of you when there is a claim. We checked trusted consumer reporting services as well as reviews from actual customers in order to decide which Utah insurance companies match our reputation requirements.
Reputation is vitally important, but every driver on the road wants to make sure they are getting a good deal on their car insurance, so we also considered the company’s prices. We looked for insurers that have good rates for a lot of different drivers, as well as a good deal of coverage from basic to comprehensive. That coverage had to come along with a great reputation to land on our top picks list.
We selected only companies that offer coverage to all Utahans, without any specific requirements to be eligible for a policy. It is worth noting that USAA always rates very highly, and we do recommend that military members and their families look to that company for a rate quote. As they are only open to a specific group of people, however, we did not rank them on our list.
Our Top Picks
All of these three companies meet our standards for competitive rates as well as excellent customer service.
Liberty Mutual has a long history and solid offerings within Utah and comes in as a top pick for any Utah driver looking for the financial stability of a major insurance company, while also shopping on a budget. They are a one-stop shop for most insurance needs, and they offer plenty of multi-policy discounts to sweeten the deal, making them a great pick for those looking to bundle.
Liberty Mutual consistently scores well in consumer ratings and has a low complaint volume overall. They offer a good blend of available personal agent assistance as well as online and mobile app options, which makes them appealing to both traditional and modern-minded car insurance shoppers.
From a small player to the very biggest – State Farm is also a top pick for car insurance in Utah. They have an excellent reputation and rank well on J.D. Power’s regional survey for customer satisfaction. They also provide local service from an agent backed by national-level financial security.
State Farm also has surprisingly competitive rates for a company that relies on agents; for Utah drivers, they are very competitive. They also have some great discounts for bundling auto and home insurance that can make all the difference when it comes to how much you pay overall.
American Family Insurance landed in the top five for overall customer satisfaction in J.D. Power’s regional survey, giving them a solid reputation for taking care of customers. They add competitive rates to that ranking as well.
American Family’s rates are good for Utah drivers, even for drivers with an at-fault accident or poor credit. That makes this company a truly solid value in car insurance in the state.
Shopping for Car Insurance in Utah
Since one of our top picks for Utah is a small, local company, it stands to reason that shopping for insurance with the assistance of an independent agent is a good idea. Bear River does not offer online quoting, so to compare them to the big names an agent will need to help you get rates. While you are speaking with that agent, it is a good idea to ask for a few quotes from any other highly recommended companies they also represent.
Make sure that, whether through an agent or online, you are getting quotes that represent the coverage you really need. Take the time to consider what kind of coverage you should purchase – limits above the legally required minimums are always recommended – and make sure that every quote you request meets those chosen coverage limits. This will allow you to compare all of the quotes you receive on equal footing.
Always compare as many quotes as possible, but always remember to check on a company’s reputation before you buy. Utah is proof that a local company can be a really great value, so do not skip the smaller insurers – just make sure they measure up on service as well as price.
The Bottom Line
Utah drivers have a good selection of insurance companies to choose from, both the large, national companies and the small, local ones. Getting a good rate on the best policy for each driver is simply a matter of taking the time to shop around and compare.
For a list of companies that we recommend, visit our Best Insurance Companies page.