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Bundle your Utah auto insurance with Esurance home insurance to score our Multi-Policy discount.*

affordable car insurance in utah

Sculpted by harsh elements and thousands of years, Utah's terrain is more like artwork than geography. From Mote to Mexican Hat, St. George to Snowbird, national parks and snow-capped slopes are a part of everyday life for Utah residents — and so are unique road hazards. Before you head out on your next excursion, be sure your vehicle is protected with the best Utah car insurance.

And take advantage of Esurance's CoverageMyWay®, which can make it easy to compare online the many coverage options you have to customize a policy that works for you.

what our customers say

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I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida

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Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

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®
  • Multi-Policy discount
  • Good Student discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Defensive Driver 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

Esurance can help you find auto insurance quotes in Utah to meet state requirements and help cover you in the case of an accident. No-fault liability insurance and personal injury protection (PIP) are the minimum coverages required by the Beehive State, with the following minimum limits:

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

Liability 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.

Utah has a comparative negligence law, which 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, for example, the at-fault driver's insurer may offer you a claim settlement that pays up to 90 percent of your post-accident expenses.

How fault works after an accident

Utah is a no-fault state. This means that your own policy's 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' car repairs or replacements.

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.

optional coverages from esurance

Adding some of these additional protections will give you extra peace of mind and financial security 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
  • CarMatch Rental Coverage® coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

If you're already an Esurance policyholder and have questions about your coverages, call us at 1-800-ESURANCE (1-800-378-7262) and we'll be there to answer at these times. Some exclusions will apply.

factors that could impact your utah car insurance rate

The following factors may 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, including lapses
  • Discounts you may 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.

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 considers electronic ID cards sufficient evidence of auto coverage if you get pulled over or need to produce proof of insurance for any other reason.

Driving without proof of insurance (either paper ID cards or digital ones on your smartphone) can come with severe penalties, including hefty fees and license suspension. Perhaps because of these strict laws, Utah boasts one of the lower rates of uninsured drivers in the country, at only 8.2 percent of all motorists (compared to the national average of 13 percent) as of 2015.

It's also especially important to have Utah auto insurance when driving on Native American reservations in the state. Tribal police enforce a different set of laws that vary from one reservation to another, and penalties may be higher for infractions like speeding and driving under the influence. So stick to the speed limit.

Related links

Collision coverage
This auto insurance protection can financially protect you if you're found at fault in an accident.

Esurance's Multi-Policy discount
Have a homeowners or motorcycle insurance policy with Esurance in addition to your car insurance? You could stand to save.

CoverageMyWay®
Check out CoverageMyWay, which can help you tailor an auto insurance policy that feels right for your situation.

Utah Insurance Department
Want more info on Utah auto insurance? Get all the answers you need straight from the source.

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

Do I need to change my car's oil every 3,000 miles?
We set the record straight about this common car maintenance myth.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.