Drive Safely With Auto Insurance in Utah
With five national parks, amazing mountain views and colorful canyons, there are plenty of reasons to be on the road in Utah. The
AARP® Auto Insurance Program from The Hartford
1 will ensure you’re protected with car insurance as you travel along Utah’s highways and byways.
Drivers are required to carry a minimum amount of car insurance in Utah. If you’re looking to request a car insurance quote in Utah or just want to learn more about car insurance requirements in the state, we're here to help.
What Car Insurance Is Required in Utah?
Utah state law requires drivers to carry the following minimum amounts of liability insurance with their Utah auto insurance:2
Additional Car Insurance Coverages Available to Utah Drivers
For added protection, drivers in Utah may also get additional
car insurance coverages from The AARP Auto Insurance Program from The Hartford. These car insurance coverages include:
Uninsured Motorist Coverage in Utah
According to a 2019 Insurance Research Council report, 6.5% of drivers in Utah don’t have car insurance. Utah is below the national average of 12.6% of drivers who are without car insurance.3
Although uninsured/underinsured motorist coverage is optional in Utah, it can help protect you from financial loss if you are in an accident with an uninsured motorist. If you decide to purchase protection from uninsured/underinsured drivers, there is a minimum amount of coverage required:
Common Questions About Car Insurance in Utah
How Much Does Car Insurance Cost in Utah?
The average cost of auto insurance in Utah is about $1,186 annually, which is below the national average of $1,674 per year.4 When comparing car insurance quotes for Utah, it’s not always best to go with cheap car insurance. You want to be sure you’re getting the right coverage for your needs. While the cost of car insurance is largely determined by where you live, drivers in Utah can do a few things to help keep their rates low, including:
- Bundle auto and home insurance in Utah: When you bundle insurance with The Hartford, we’ll give you up to 5% off on your auto insurance and up to 20% off on your condo, renters or home insurance.**
- Keep a clean driving record: Safe driving pays off. If you’re a safe driver with no car accidents, you are less likely to see insurance premiums increase from your insurance company.
- Take advantage of discounts and savings: You may be eligible for car insurance discounts and savings exclusively for AARP members, in addition to benefits for those with clean driving records.
Is Utah a No-Fault Car Insurance State?
Yes, Utah is considered a no-fault state. If you’re in a car accident in Utah, each driver will file claims with their own car insurance companies, no matter who is at fault. This means that when you buy auto insurance in Utah, you will be required to purchase personal injury protection (PIP) coverage. Also known as
no-fault insurance, PIP coverage helps pay for medical expenses for you and your passengers after a car accident, even if the accident isn’t your fault.
Do You Need Insurance to Register a Car in Utah?
The law says you have to have auto insurance in Utah in order to register your car in the state. If your car insurance lapses, the department of motor vehicles (DMV) will notify you that they are revoking your registration.
Do I Need Proof of Car Insurance in Utah?
If you’re a licensed driver in the state of Utah, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Utah is also among several states that now accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Get Customized Car Insurance Quotes in Utah
The AARP Auto Insurance Program from The Hartford offers several benefits to Utah drivers. The Hartford’s Utah auto insurance now offers the following benefits:
- Accident Forgiveness‡
- Disappearing Deductible‡
- New Car Replacement§§
- 24/7 Claim Service
The Hartford has been insuring Utah AARP members and their families since 1984. We’ve earned a reputation for integrity and trust by offering reliable car insurance for Utah drivers. If you ask our customers and read their
car insurance reviews, you will find you can count on Utah car insurance from The Hartford to be there when it matters most.
Last Updated: April 6, 2023
2 Utah Insurance Department, “Filing an Auto Claim with the Other Party’s Insurance Company”
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
4 Bankrate, “Average cost of car insurance in Utah for 2023”
