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utah car insurance

Utah features spectacular rock formations, friendly folks, and some fairly complicated car insurance regulations. Luckily, Esurance embraces innovative technology that helps make the insurance process hassle-free for Beehive State residents.

When you get a free Utah auto insurance quote, you'll get instant access to our interactive insurance guide, Coverage Counselor®, which helps you tailor your policy coverages and limits to your every need.

All of our policies are built to save you time and money, and we're confident that all Utah residents can benefit from our affordable car insurance rates, easy-to-use website, and top-notch customer service.

Utah car insurance discounts from Esurance

We're all abuzz about saving Beehive State residents some cash on their car insurance. Here are a few of our unique discounts:

  • Online Shopper discount™
  • Good Student discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Defensive Driver discount
  • DriveSense™ discount
  • Pac-12 discount

Our Renters Plus® discount in Utah*

If you're already protecting your ride with an Esurance car insurance policy, add renters insurance to protect your stuff, too — and nab a nice discount for good measure.

If you're already an Esurance policyholder and have questions about your auto insurance discounts in Utah, give us a call at 1-800-ESURANCE (1-800-378-7262). Keep in mind that some exclusions may apply.

Required coverages in Utah

Utah requires its drivers to maintain the following coverages at these minimum limits:

  • $25,000 bodily injury liability coverage per person
  • $65,000 bodily injury liability coverage per incident
  • $15,000 for property damage liability coverage per incident
  • $3,000 personal injury protection (PIP) coverage per person

Liability coverage can help pay for others' medical and repair bills if you're found at fault in a car accident. PIP, on the other hand, can help cover your own medical expenses (and more) after an accident, regardless of fault.

You'll typically see the minimum liability limits expressed as 25/65/15.

How fault works after an accident

Utah is a no-fault state. This means that your own policy's personal injury protection (PIP) can help pay for certain medical-related expenses after a car accident up to a certain limit. An at-fault driver can still be held liable for medical expenses, which is why bodily injury liability coverage is required.

You can customize your PIP coverage (to include lost wage protection, for example) when you buy your policy.

One quick note: no-fault insurance doesn't apply to property damage. The at-fault driver's property damage liability coverage can help pay for others' repairs.

How claims settlements are determined

Utah uses a comparative negligence law. This means that more than one driver can be found at fault, and you can only sue for damages if you're found to be less than 50 percent at fault. If you're found to be 10 percent at fault, the at-fault driver's insurer may offer you a claims settlement that pays up to 90 percent of your post-accident expenses.

Proof of insurance rules in Utah

Both drivers must produce proof of car insurance in the event of an accident. Esurance customers in your state can now utilize our mobile app for another innovative purpose — electronic proof of insurance! Utah law now considers electronic ID cards sufficient evidence of auto coverage if you get pulled over or need to produce proof of insurance for virtually any other reason.

Optional coverages from Esurance

Adding some of these optional coverages will give you extra peace of mind and financial protection in the event of a claim:

  • Comprehensive coverage
  • Collision coverage
  • Uninsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage
  • Underinsured motorist bodily injury coverage
  • Underinsured motorist property damage coverage
  • Emergency roadside service
  • Rental car coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

Factors that can impact your Utah car insurance rate

The following factors can be taken into consideration when determining your car insurance rates in Utah:

  • Driving record and claims history
  • Age, gender, and marital status
  • Coverage selections, limits, and deductibles
  • Year, make and model of your car
  • ZIP Code where your car is parked
  • Prior insurance history
  • Discounts you qualify for

Esurance-approved car repair shops in Utah

As an Esurance customer, you can take a damaged car to any repair shop you choose. If you choose a shop in our E-star® network, you can take advantage of RepairView®, which lets you monitor your repairs online. Your repairs will also be guaranteed for as long as you own your car.

Find an E-star shop near you.

Stats for Utah

Safe driving

Utah has seen a consistent decline in fatal car crashes over the past 40 years. In fact, 2013 saw the second-lowest number of traffic-related deaths since 1959 — second only to 2012's numbers.

Uninsured drivers

According to an Insurance Research Council report based on data from 2009, Utah boasted one of the lowest rates of uninsured drivers in the country at only 8 percent of all motorists. The national average was 13.8 percent.

Related links

The science of drunk driving
Read up on the effects of booze on your brain when it comes to driving.

The Esurance Coverage Counselor®
You have options when it comes to your Utah car insurance policy. Our quick online counselor will recommend a policy that suits you in just a few minutes.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262