Whether you have a single company car or a fleet of them, car insurance in Utah is a must. The state takes a lack of auto insurance or seriously, so you need to be sure to conform to state law when you purchase insurance. You also need to compare auto insurance rates to make sure you get the best deal for your money.

When you buy auto insurance in Utah, you need to get the following coverage:

1. For your car to be legally insured in Utah, you need four types of coverage: bodily injury liability, property damage liability, uninsured motorist and personal injury protection coverage. For the best protection, you should also have collision and comprehensive coverage, but Utah auto insurance law doesn’t require them.
2. Auto insurance in Utah must include bodily injury coverage of at least $25,000 per person and $50,000 per accident.
3. Utah auto insurance must include property damage coverage of at least $15,000 for damage to another's property caused by an accident.
4. In Utah, car insurance must include at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage, which covers costs should you be involved in an accident with an uninsured or underinsured motorist.
5. Because Utah is a “no-fault” state, you must have at least $3,000 in personal injury protection coverage.

Action Steps
The best contacts and resources to help you get it done

Find Utah auto insurance quotes online

You can compare a number of car insurance quotes quickly to get an idea of the range of Utah rates.

I recommend: Find a range of auto insurance quotes at Insurance.com and InsWeb. You can buy instantly, but it's smarter to shop around. Also check Progressive's website, which compares competitors against its own car insurance rates.

Contact national auto insurance companies for Utah auto insurance rates

All major national providers offer car insurance in Utah. Sometimes larger companies are able to provide a better deal than smaller ones, and contacting them directly ensures that you get personalized service.

I recommend: Seek out the largest auto insurance providers, such as GEICO, AIG, Allstate and State Farm, to find quotes. Their economies of scale may help you find the best deal.

Talk to a Utah car insurance provider

A local Utah auto insurance company, especially one that serves clients primarily in Utah, may have a better idea of the insurance that serves you best.

I recommend: Get free auto insurance quotes from John Henry Smith Insurance, a Salt Lake City, Utah, company. EZ Auto Insurance works with a network of 20 Utah insurance providers to bring you local service.

Work with an independent agent in Utah

Because they generally work closely with you, independent agents can have more investment in your needs when you're buying Utah auto insurance.

I recommend: To find an independent agent to buy Utah car insurance from, visit AutoInsurance online.

Review the credentials of Utah car insurance companies and agents before you commit

Whenever you enter into a legal contract, which an insurance policy is, you need to make sure that the other party is credible and trustworthy.

I recommend: Once you find an insurance agent or company, check their credentials at the Utah Insurance Department to make sure that there are no complaints or legal action against them.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  As long as your vehicle is in Utah for 90 days out of the year, it needs to be covered according to Utah car insurance law.
• •  If you can afford it, go beyond the Utah auto insurance minimum requirements. The minimum requirement may not cover the property damage or bodily injury sustained in an accident.
• •  Ask about fleet discounts if you're insuring a number of vehicles for your company.
• •  Realize that the penalties for a lack of insurance or underinsurance are severe in Utah. Considered a Class B misdemeanor, the first offense gets you a $400 fine, while subsequent offenses within three years are fined $1000. You will also have your license suspended if you're convicted of a failure to insure a vehicle.