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Home Insurance and Car Insurance in Utah
Whether you call Salt Lake City home or enjoy the rural lifestyle, there’s a lot to love about life in Utah. Buying your first home or car is an exciting time, but one thing Utah residents may not consider when making that purchase? Protecting their investment.
Buying an insurance policy to cover your home or car is a big decision. There’s no shortage of options to choose from, and understanding how your deductible, coverage limit, and claims history factor in is key to saving money.
You may be paying too much if you have an existing home or car insurance policy. But you could potentially save money by switching to a new carrier. Even more than that, bundling your coverage can add up to hundreds of dollars in savings each year. At SelectQuote, we help customers shop for and save on home and car insurance. Whether you’re buying a policy for the first time or simply want a better rate on existing coverage, we can help. Let us compare rates from several trusted insurance carriers at once to find you the right bundled rate for your coverage needs.
Homeowners Insurance in Utah
Homeowners insurance may not be a legal requirement for Utah residents, but it’s one of the most important purchases you can make for your home. A home insurance policy helps cover your dwelling and personal property in the event of a covered loss, such as a fire, theft, or other kinds of damage. Generally speaking, most mortgage companies will require you to have a home insurance policy as a condition for extending a loan.
Most home insurance policies come in one of two varieties: replacement cost or actual cash value. Before you buy your policy, ensure you understand which of these two types of policies you have. The differences are important:
- Replacement cost policies will pay the cost to repair or replace damaged property without deducting an amount for depreciation or increased labor and materials costs.
- Actual cash value policies pay the depreciated cost to repair or replace the damaged property up to your policy’s coverage limit.
All home insurance policies are subject to a deductible, which is the amount you must pay before your policy kicks in. Before filing a claim, you should always be aware of your deductible as well as what is or isn’t covered under your policy.
Homeowners Insurance Coverage Options in Utah
Most Utah home insurance policies include the following types of insurance coverage. If you have a question about whether or not something is covered under your policy, carefully read your declarations page or ask your agent for help:
- Dwelling coverage is a standard policy that covers your home’s actual physical structure, including any attached garages.
- Other structures coverage protects detached structures, such as pole barns or sheds.
- Personal property coverage works to cover household belongings. If it’s inside or outside your home, it’s covered.
- Loss of use coverage helps pay the costs of a hotel stay or other lodging if your house is rendered uninhabitable by a covered loss.
- Guest medical protection coverage pays for medical bills for those who are injured on your property, regardless of who was at fault.
Common Causes of Loss in Utah
Utah may not be located in Tornado Alley, but there are a few common causes for insurance claims in the state. These can include, but aren’t limited to:
- Fires
- Wind and wind-driven rain
- Severe snowstorms
- Trees and other falling objects
Additional Coverage Options Recommended for Utah Homeowners
Along with standard home insurance policies, Utah homeowners may want to consider buying the following types of additional coverage:
- Flood insurance coverage: Most homeowners policies do not include flood insurance, but that doesn’t mean you don’t need it. Purchasing additional flood insurance, either through your current carrier or FEMA’s National Flood Insurance Program, can help protect you from costly damage due to flooding
- Wind and hail coverage: Wind and hail coverage can help protect your home in the event of heavy wind storms, like tornadoes, and also offset hail damage costs.
- Water backup coverage: This coverage can pay for any losses you incur due to backed-up drains or sewer lines.
- Seepage and leakage coverage: This coverage helps pay for damage due to slow leaks or seepage from foundation cracks.
- Earthquake coverage: Earthquake insurance isn’t part of a standard homeowners policy, but since Utah sees a lot of earthquake activity, you may consider purchasing this coverage type as additional protection.
Our Home Insurance Companies in Utah
SelectQuote partners with some of Utah’s most highly rated home and auto insurance companies to help you find affordable coverage that meets your budget. Our chosen carriers offer excellent customer service, financial stability, and a great track record of fulfilling their promises when claims are filed.
What is the average home insurance cost in Utah?
SelectQuote customers in Utah pay an average monthly premium for home insurance of $82.23,+ but your own rates will vary based on many factors, including your deductible, the amount and type of coverage you purchase, the age and condition of your home, where you live, any additional required coverage, and applicable discounts.
Homeowners Insurance Discounts in Utah
Utah homeowners have access to plenty of discounts on their home insurance coverage. These discounts can include savings for:
- New home construction
- Security systems and deadbolts
- Filing few or no claims
- Customer loyalty
- Profession-based discounts
- Bundled coverage savings
Bundle Your Home and Auto Insurance to Save Money
Bundling your home and auto insurance is one of the best ways to save money on your home and auto coverage, which is why SelectQuote shops for the biggest possible discounts for customers who want to do just that. We compare bundled rates from dozens of companies to help find you the best deal.
Average Home and Auto Insurance Rates in Utah
The table below lists average monthly insurance rates for real SelectQuote home and auto customers in Utah’s largest cities. It also includes their average monthly rate for bundled policies, which can add up to significant savings.
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Salt Lake City | $47.96 | $109.30 | $148.40 |
| Saint George | $84.19 | $159.99 | $237.15 |
| West Jordan | $69.55 | $196.87 | $263.75 |
| West Valley City | $90.44 | $154.79 | $205.09 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Utah
Unlike home insurance, auto insurance is more than just a good idea for Utah drivers—it’s also a legal requirement. In the best-case scenario, car insurance protects you from financial liability in an accident if you’re found to be at fault. But it can also help pay for repairing or replacing your car after a car accident or other loss, such as theft or vandalism.
Utah Auto Insurance Laws and Requirements
Utah’s insurance requirements are similar to many other states. In addition to the standard bodily injury and property damage liability coverage, Utah drivers must also purchase Personal Injury Protection (PIP) coverage. The following types of auto insurance coverage are available in Utah:
- Liability insurance pays for damages you cause in an accident where you’re at fault. It can also pay for medical bills incurred by the other driver or their passengers. Utah requires all drivers to have $25,000 of bodily injury coverage per person in any one accident and a maximum of $65,000 per two or more people. You must also carry $15,000 worth of property damage liability insurance. Many people purchase more than the minimum legal coverage.
- Uninsured/underinsured motorist coverage is not a requirement in Utah, but every carrier must offer it. It helps pay for injuries or damages to you or your vehicle if you’re involved in an accident with someone who isn’t adequately insured.
- Personal injury protection insurance pays for injuries to or the death of passengers in your car in the event of an accident. Utah requires you to buy $3,000 minimum in coverage.
- Collision coverage pays for damages to your vehicle that are caused as a result of a collision with another vehicle or object. If you’re leasing or financing a vehicle, your lender typically requires it.
- Comprehensive coverage pays for repairs or replacement of your vehicle if it’s damaged due to events that aren’t covered by collision coverage. It includes things like theft, vandalism, fire, natural disasters, falling objects, animals, and riots. It can also help pay for glass damage. Most lenders require it as a condition of vehicle financing.
- Gap insurance pays the difference between what your car is currently worth and what you currently owe. It’s often a requirement for leasing or financing a vehicle.
| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $25,000 per person, $65,000 per accident |
| Property Damage Liability | $15,000 per accident |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | $3,000 |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Utah Teen Driving Laws
All teen drivers in Utah (ages 15-17) must complete driver education. That includes applying for a learner permit. You must carry the learner permit for six months before you apply for a driver's license. Driver education includes at least 27 hours of high school classroom instruction or 18 hours of private school. You may also do six hours of behind-the-wheel instruction and six hours of observation.1 Teen drivers are also subject to many of the same restrictions on operating hours and mobile phone usage as in other states.2
Utah Car Registration Information
New Utah residents have 60 days to transfer titles and registrations from another state. To do this, you’ll need the existing title and most recent registration. In some cases, a vehicle inspection may be necessary. Registering your vehicle also requires showing proof of your existing auto insurance policy, including that you meet the minimum coverage requirements. Failure to show proof of insurance could lead to revocation of your registration.
What is the average car insurance cost in Utah?
SelectQuote customers in Utah pay a monthly auto insurance premium of $220.43,+ but your own rates will vary based on several factors. These can include, but aren’t limited to, the following:
- The age, make, and model of your vehicle
- Your location
- Your driving history
- Your credit score
- How often and when you drive the vehicle
- Any applicable discounts
Our Auto Insurance Companies in Utah
SelectQuote partners with highly rated auto insurance companies in Utah and other states. We shop for and compare rates from dozens of carriers who are well-regarded for their customer service, financial stability, and overall ease of use.
Home and Auto Insurance Frequently Asked Questions
The following are among the most frequently asked questions we receive when discussing Utah home and auto insurance with our customers.
Do I need flood insurance in Utah?
Standard home insurance doesn’t cover flooding losses, making purchasing flood insurance a great idea for Utah homeowners. You may buy it either through your carrier or as part of the NFIP. Even though flooding can occur wherever it rains, some towns in Utah don’t participate in the NFIP. Check with your local authorities or insurance providers for specific details.3
Do I need renters insurance in Utah?
Even though your landlord or property management company has insurance, their coverage doesn’t protect your personal property. That’s where renters insurance comes in. It covers your personal belongings in the event of a covered loss. In fact, most landlords require renters insurance as a condition of leasing your apartment or house. Renters insurance is among the most affordable types of insurance coverage.
Do I need motorcycle insurance in Utah?
Utah requires all motorcyclists to have proof of insurance when registering their motorcycles. The minimum requirements for motorcycle insurance match those of auto insurance: $25,000 for bodily injury per person, $65,000 for total bodily injury when multiple people are hurt in the accident, and $15,000 for property damage. You must also carry $3,500 for uninsured motorist property damage.4
Do I need earthquake insurance in Utah?
Utah is one of the most seismically active states in the United States, which means earthquake insurance is a worthwhile purchase. However, standard homeowners policies don’t cover it, so you’ll either need to buy it separately or as an endorsement to your existing home insurance policy. Not all homes qualify, so check to ensure you’re eligible before you buy.
SelectQuote Can Shop Utah Home or Auto Insurance to Save You Time and Money
SelectQuote takes the hassle out of shopping for home and auto insurance. When you allow us to shop for coverage, we save you time and money by seeking out the most affordable coverage that meets your needs. We even search for all applicable discounts, starting with how much you can save by bundling your home and auto policies together.
Sources:
- https://dld.utah.gov/driver-education
- https://dld.utah.gov/minorteen-restrictions/
- https://www.sltrib.com/news/politics/2023/05/18/should-utahns-get-flood-insurance/
- https://www.dairylandinsurance.com/motorcycle/utah-insurance-requirements
