PIP Insurance in Utah

When it comes to car insurance in Utah, the state requires all people operating motor vehicles to have PIP insurance, which covers the driver and their passengers in an accident, regardless of fault. PIP benefits include coverage for the following.

• Medical costs: Includes surgeries, X-rays, dental work, rehabilitation services, prosthetic devices, ambulances, hospitals, and nurses
• Lost income: The lesser of either $250 per week or 85 percent of gross income lost for a maximum of 52 weeks after the loss
• Household services that the injured person would have performed: A maximum of $20 per day for up to a year
• Funeral, burial, and cremation benefits: A maximum of $1,500 per person
• Death compensation to heirs: A maximum of $3,000 total¹

People involved in car crashes can get their medical costs covered sooner by filing first-party claims under their PIP coverage instead of third-party bodily injury claims.

How do accidents in no-fault states versus at-fault states differ, and where does Utah lie?

How No-Fault Insurance Works

Utah is a no-fault state, which means everyone has their own medical expenses covered under PIP. However, the at-fault driver’s insurance — property damage liability coverage, specifically — still pays for the other party’s property damages.

Negligence Laws

The state’s modified comparative negligence laws mean that if someone wanted to sue for their losses, they have to be less than 50 percent at fault for the accident compared to all the other involved parties combined. If they were any percentage at fault, their compensation would be reduced by that percentage. The insurance adjuster will determine the percentages of fault after gathering information and inspecting vehicle damages, police reports, etc.

Here are all of the auto insurance coverage limits Utah requires, including and beyond PIP:

• Bodily injury per person: $25,000
• Bodily injury per accident: $65,000
• Property damage liability: $15,000
• Personal injury protection: $3,000

Want to save money on car insurance? Ask your agent for insurance discounts for things such as:

• Multiple vehicles
• Driver’s education courses
• Good student status
• Safety/anti-theft devices
• Low mileage
• Good driver status
• Loyalty
• Bundling auto and home insurance²

Car insurance in Utah costs an average of $937 per year, 10 percent less than the national average.³ But keep in mind that many factors affect car insurance rates, including:

• Age
• Annual miles driven
• Average number of car accidents in a location
• Coverages elected
• Credit score
• Driving record
• Garaging
• Gender
• Homeownership
• How the car is used (personal vs. business)
• How long you’ve been with an insurance company
• Marital status
• Number of cars in an area
• Traffic congestion
• Vehicle type
• Years without incidents

We’ve had the most success connecting auto insurance customers in Utah to companies like Allstate, State Farm, USAA, and Nationwide. But note that USAA accepts only military members, veterans, and their families.

To get the best car insurance in Utah, follow these steps:

1. Determine which coverages you want. When shopping for car insurance, it’s essential to compare apples to apples. First, figure out what coverages and limits you want so you can get quotes that are as accurate and comparable as possible.
2. Compare quotes. Next, you want to gather quotes from multiple companies. While pricing shouldn’t be the only factor that affects your decision, it’s certainly important. One easy way to shop multiple companies is to call AutoInsurance.com directly. In only a few minutes, we’ll match you with a provider that wants you as a customer.
3. Research. Check out customer satisfaction and financial stability ratings from organizations like J.D. Power, the Better Business Bureau, AM Best, Moody’s, S&P Global, and the National Association of Insurance Commissioners. If that sounds too complicated, read the provider reviews on AutoInsurance.com instead.
4. Apply. An insurance quote is just that: an estimation of how much you’d pay for car insurance with a particular company. To find out your exact premium, you’ll need to complete the application process. But note that you’ll receive a hard inquiry on your credit report, which will negatively affect your credit score.
5. Pay your premium. Your policy goes into effect once you’ve paid your first premium. Then, coverage starts on the effective date listed on your policy.

Although it may seem like an unnecessary expense, if you or any of your passengers are hurt in an accident, you’ll appreciate that the state of Utah required you to buy PIP. Unlike medical payments coverage, the somewhat-equivalent insurance in at-fault states, PIP goes beyond medical expenses, providing reimbursements for funerals, lost wages, and other effects of car accidents.