Utah Car Insurance

Additional Utah car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Utah drivers might consider:

• Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your vehicle unstuck from the mud or snow.
• Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Utah car insurance rates

There are several factors that impact auto insurance in Utah, including individual circumstances, location, weather patterns and more. Consider these key points:

• Driving history: Your individual driving record significantly impacts insurance premiums. Utah drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
• Coverage options and limits: The types and amounts of coverage you choose affects your premiums. Opting for the minimum required coverage in Utah tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
• Vehicle type: Factors such as safety ratings, repair costs and the likelihood of theft all contribute to premium calculations. 
• Claims in Utah: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Utah.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Utah car insurance discounts

Amica offers various auto insurance discounts to help Utah drivers save more money on their premiums.¹ Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Utah policy premium up front.

If you’re a Utah driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 20% with a multiline discount.¹

Facts and figures about Utah

Fun facts about Utah:

• The Great Salt Lake is the largest saltwater lake in the Western Hemisphere and ranks among the largest terminal lakes in the world.²
• Utah is known for its skiing, with the mountains surrounding Salt Lake City receiving an average of 500 inches of snow annually. The state's desert-like climate and high elevation typically result in powdery and dry snow conditions, which are ideal for skiing.²
• The Four Corners Monument is the only place in the U.S. where four states meet at one geographic location. The southeastern corner of Utah marks the spot where Utah, Colorado, New Mexico and Arizona converge.²

Facts about driving in Utah:

• Utah uses flex lanes during rush hours to manage traffic flow. These lanes may be marked with double-dashed yellow lines on either side. Signals above the lanes indicate which lanes are safe to use. Some lanes can carry traffic in one direction at certain times and in the opposite direction at other times.³ 
• According to the Utah Department of Public Safety, when driving in the desert, avoid high temperatures if unaccustomed, carry plenty of water for yourself and your vehicle's radiator, monitor your vehicle, stay with it if it breaks down unless help is nearby, ensure enough gas and water, especially off major highways, and avoid unknown side roads.³
• In hot weather, the Utah Department of Public Safety advises motorists to monitor tire pressure, engine oil levels, and the engine cooling system. Additionally, drivers should be cautious of bleeding tar on the pavement, which can make driving surfaces slippery.³

With Amica, drivers in Utah can hit the road with confidence, knowing they’re prepared for any situation that may arise.