If you’re shopping around for cheap auto insurance in Utah, you’ve probably discovered that there’s no shortage of companies vying for your business. To help you narrow down the options, we conducted a study that compared low cost auto insurance quotes from nine leading carriers to identify the most affordable policies for these four driver categories:
Best Rates For Drivers With No Recent Accidents
Insurance companies reward safe behavior and a clean driving record with lower monthly premiums. You might qualify for a safe driver discount if you’ve gone multiple years without a collision.
Our Geeks determined that Allstate has the best insurance quotes for accident-free drivers in Utah. State Farm wasn’t far behind with an estimated monthly rate of $158.
Best Rates For Teen Drivers
Distracted driving, inexperience, peer pressure—these are just a few reasons why teenagers have the highest accident rate among all age groups. But some insurance companies offer low rates to new drivers in the hope that they’ll become long-term policyholders.
In this segment, we looked at auto insurance rates for male and female 18 year olds who wanted to purchase the minimum required coverage in Utah. Our test found that Allstate has very affordable premiums for young drivers.
Best Rates For Drivers With A DUI
Being convicted of a DUI is an expensive ordeal, and unfortunately, the financial repercussions might not fade until several years after your arrest. Beyond the attorney fees and fine, you can also expect to pay extra for auto insurance.
If you’re sick of struggling to pay your premiums, don’t take the risk of driving without coverage. Rather, try getting quotes from Progressive or Allstate to find out if you could be paying less.
Best Rates For Senior Drivers
Older adults tend to spend less time on the road than their younger counterparts, and they also have more experience behind the wheel. In this part of our research, we looked at auto insurance rates for a 65-year-old motorist who drove 4,000 miles annually.
Most segments of our analysis involved a 29-year-old motorist who commuted 12,000 annual miles. The vehicle we used for all segments was a 2014 Toyota Corolla. Our estimated premiums are based on averages from female and male drivers in five Utah zip codes. The liability limits for all drivers except in the “teen driver” category were 50/100/25, and we added uninsured motorist coverage of the same limits.
How Much Auto Insurance Are Drivers Required To Carry In Utah?
In Utah, all motorists are legally required to have auto insurance coverage that meets the following minimum limits:
- $25,000 In Liability Coverage For Bodily Injury To One Person
- $65,000 In Liability Coverage For Bodily Injury In One Collision
- $25,000 In Liability Coverage For Damage To Property
- $3,000 in Personal Injury Protection (PIP)
Penalties For Driving Without Car Insurance In Utah
Getting caught driving without car insurance in Utah is a serious matter. Even for a first offense, your license and registration will be suspended, your vehicle will be impounded and you will have to cough up a minimum of $400 in fines. To make matters worse, it will cost you around $130 to have your license and registration reinstated. For your second and subsequent offenses, you will be fined no less than $1,000.
But these penalties pale in comparison to the punishment you will face if you find yourself driving uninsured and in an accident. In most cases, you will have to foot the bill of any expenses related to the crash – from your own medical expenses to your repair bills. And if the courts conclude that the accident was your fault, you will also have to cover the costs of damage and injuries sustained by any of the other motorists involved.
Bottom line: this risk simply isn’t worth it.
Steps To Take After A Car Accident In Utah
Step 1: Pull Over To A Safe Place
Stop your vehicle and, if possible, move your car to a safe space off the side of the road, where you are not blocking traffic.
Step 2: Evaluate The Scene
Do a quick check:
- Are you injured?
- Are any of your passengers injured?
- Are any of the other motorists or their passengers injured?
Provide assistance where you can, but do not move someone who is severely injured as you may unintentionally cause them even more harm.
Step 3: Call The Police
Not only do most states require you to report road accidents to the local authorities, but police will also be able to secure the crash scene and compile a detailed report that you can later use to help support your insurance claim.
Step 4: Exchange Information
Share your name, registration number, address, insurance information, and phone number with any of the motorists involved in the accident, and make sure you obtain their personal details. This is also a good time to take down the names and numbers of anyone who may have witnessed the accident.
Step 5: Take Pictures
Using your phone, take photographs of the accident scene, documenting damage to the vehicles involved.
Step 6: Get Medical Treatment
You might not be nursing any surface injuries, but you should always seek medical help after a collision. Spine and neck injuries are common in accidents, and a medical assessment will help determine whether you require treatment, saving you future pain and helping you file a watertight claim.
Step 7: Contact Your Insurer
Call your insurance company and find out which documentation you will be required to send through to start your claim. Our Geeks recommend sending any evidence you have collected – such as photographs, contact details of any witnesses and copies of the police report – alongside your claim as every piece of the puzzle will help you secure a satisfactory settlement.
Can I File A Claim If I Was Partially At Fault For A Car Accident In Utah?
Utah is one of just 12 states in the country that employ a no-fault insurance system. But what does this mean for you?
In no-fault insurance states, drivers carry insurance policies that cover medical bills no matter who was at fault. That means you can file a claim against your own insurance company even if you caused the crash.