Utah Car Insurance

Utah Car Insurance Laws

Utah's no-fault insurance system requires that every driver buy $3,000 in personal injury protection to pay for immediate treatment after a car accident, regardless of who caused the crash.

Medical bills beyond that amount and damage to cars are handled by state-mandated liability insurance. Utah's bodily liability insurance requirements of $25,000 per person ($65,000 per accident) and $15,000 for property damage are about average compared with those in other states, but families with savings or a home to protect should consider raising those amounts.

The points system: Like many states, Utah uses a driver's license point system to keep problem drivers off the road. But unlike others, it assigns double-digits points for routine traffic violations. Improper passing is 50 points; following too closely is 60. But don't worry: It takes 200 points to lose your license.

The self-cleaning driving record: A full year without a moving violation removes half the accumulated points from your Utah driving record. Stay clean for two years and all the points are deleted. Once every three years, you can take a defensive driving class and remove 50 points.

Points for individual convictions expire in three years, even if you don't take the steps above.

Utah uninsured motorist penalties: You may be fined $400 and your license and registration may be suspended.

Electronic proof of insurance: Utah allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.

Largest car insurance companies for Utah by market share