Car Insurance

How Do Farmers Union Insurance Make Your Auto Insurance in Utah Better?

    • We Protect What You Value and Your Way of Life
    • Personalized Auto Insurance Quotes by Agents Who Live in Your Community
    • Get Good Student and Accident Forgiveness Discounts – Safe Driver
    • Your Agent Will Get to Know You Personally
    • Package Discounts

Not all auto insurance in Utah is created equal and the cheapest plan may not be best for you.


What Are the Car Insurance Requirements for a Driver in Utah?

Looking for auto insurance in Utah? A driver in Utah must have Liability Insurance and No-fault coverage on their car insurance policy.

Liability – Minimum Required:

  • $25,000 per person for bodily injury
  • $65,000 per accident for bodily injury
  • $15,000 per accident for property

Personal Injury Protection (PIP)

Utah’s no-fault law also requires you buy a minimum of $3,000 in PIP coverage. PIP is a broad term for the coverage that will pay for your medical expenses in case of an accident.

Uninsured/Underinsured Motorist Coverage

Insured motorists who are concerned about being in an accident with an uninsured motorist can purchase this optional coverage to ensure their losses are covered.

Collision and Comprehensive 

Collision insurance pays for damages to your car caused by another vehicle, an object, or a rollover. It’s not required by law, but most lenders require collision coverage for financing. Comprehensive insurance protects you against damage to your own car from perils like fire, theft, glass damage, hail, wind, flood, or vandalism. Comprehensive isn’t required either. If you have an older car, consider dropping these types of coverage to save on insurance premiums.

If you can afford more auto insurance, carrying more than the mandatory minimum requirement is recommended. Think about the amount of insurance you’ll need when you need it the most. Families should sit down with their insurance agent or company representative to determine the right amount for each individual and family.



Why Do I Need Auto Insurance?

It may be a nuisance paying for auto insurance, but if you are involved in the unfortunate event of a car accident, you will be happy to have it. Car insurance in Utah helps with the following:

  • Saves you money on medical bills after an accident
  • Protects you from uninsured or underinsured motorists
  • Help saves you money on repairs due to theft, vandalism, or natural disasters
  • It’s the law



***This is just a summary description of coverages always check your policy for a detailed description of coverage, policy terms, exclusions, and conditions.***


Farmers Union Insurance

Farmers Union Insurance believes in building stronger communities and the value of knowledge and service provided by a local agent. Because of this, we will not ask you to provide a lot of information here but instead will have a local agent in your area contact you to determine your insurance needs.

Request A Quote