Personalized, Affordable Coverage from 100+ Top-Rated Carriers
“Richey Insurance Agency works for you, not just one insurance agency!”
Utah law requires every driver to carry car insurance. Failing to do so can lead to fines, license suspension, and vehicle impoundment. At a minimum, policies must include:
| Coverage | Minimum Amount |
|---|---|
| Bodily Injury Liability | $30,000 per person / $65,000 per accident |
| Property Damage Liability | $25,000 per accident |
Utah is also a no-fault insurance state. This means drivers must include Personal Injury Protection (PIP) coverage in their policy. PIP helps cover medical bills, lost wages, and related expenses after an accident, regardless of fault.
If injuries from a crash meet certain thresholds—like medical costs over $3,000 or permanent disability—the injured party may file a lawsuit against the at-fault driver for additional damages.
Car insurance in Utah is more affordable than in many other states. On average, drivers pay around $1,112 per year, which is about 22% lower than the national average.
However, premiums aren’t the same for everyone. Rates vary based on factors like:
Richey Insurance simplifies the process of finding competitive rates. Enter your ZIP code to get personalized quotes from top carriers serving Utah.
Utah drivers have several options for lowering their auto insurance premiums:
Our team reviews your unique situation and finds discounts you might not know exist.
Utah follows a no-fault insurance system, meaning your own car insurance helps pay for medical expenses and certain other costs after an accident, no matter who caused it. This system is designed to speed up claims and reduce the need for lawsuits.
To meet state requirements, drivers must include Personal Injury Protection (PIP) in their policy. PIP helps cover:
In cases of serious injuries—such as medical costs over $3,000 or permanent disability—you may still have the right to file a claim against the at-fault driver for additional compensation.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
