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Utah Car Insurance Resources

Utah Car Insurance

Car Insurance Rates in UT

^ From 2006 to 2010, Utah cities had the 31st highest auto insurance rates in the nation. [2]

Car Insurance in UT by City

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Cars Insured in UT

^ Utah ranked 34th of all U.S. states in total auto insurance policies in 2011. [1]

UT Car Insurance

Car Insurance in Utah

Car Insurance Liability Requirements in Utah

  • Minimum Liability Limits in UT: 25/65/15 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 65  Required coverage up to $65,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Required Car Insurance Coverage in Utah

Required Car Insurance Coverage in Utah
  • Auto Insurance Coverage Requirements in UT [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Utah

  • Insurer Verification of Auto Insurance in UT [4]
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Utah Car Insurance Facts, Estimates & Related Laws

Utah Car Insurance Facts

Utah Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in UT
    • Utah had the 28th highest auto insurance rates in the nation in 2010. [2]
    • Rates in UT ranked 29th in the nation in 2009. [2]
    • In 2008, UT had the 29th highest rates in the country. [2]
  • Number of Auto Insurance Policies in UT
    • Utah ranked 34th in the nation in auto insurance policies in 2011 with a total of 1,827,781. [1]
  • Uninsured Motorist Rate in UT
    • The uninsured motorist rate in UT ranked 44th in the nation in 2009. [3]

Utah Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers (hand-held ban). [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Utah Automotive Laws

  • Safety Belt Laws in UT
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and shorter than 57 inches. [7]
  • Motorcycle Helmet Laws in UT
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in UT
    • Renewal cycle: 5 years [7]

Utah Auto & Driver Facts

Utah Automotive Facts

Utah Auto & Driver Facts
  • Speed Limits in UT
    • Rural interstates: 75 mph (Specified segments of road may have posted limits that exceed 75 mph) [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in UT
    • Utah cities collectively ranked 34th in the nation in total motor fuel consumption in 2011. [9]

Utah Licensed Drivers

  • Licensed Drivers in UT [10]
    • Total Drivers: 1,747,487
    • Female: 871,083
    • Male: 876,404
    • UT has the 34th most drivers in the U.S.
  • Minimum Driving Age in UT [5]
    • Utah has a minimum driving age of 15 years.

Utah Auto Registrations

  • Auto Registrations in UT [8]
    • Registered Cars: 857,948
    • Registered Trucks: 960,618
    • Registered Motorcycles: 59,430
    • Total Registrations: 1,883,410
    • Rank: Utah ranked 36th in the United States in total auto registrations in 2011.

Additional information about Utah

About Utah

Utah has a population of approximately 2,763,885, which ranks 34th in the U.S. among all states. [6]

UT Car Insurance

More about Utah auto insurance

For more information about auto insurance in UT, or for additional resources regarding Utah car insurance, visit the Utah Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Utah Cities