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Coverage and service fit for the Beehive State

With more than 103,000 miles of roadways, there are plenty of scenic drives in Utah. Whether you're meandering toward Moab or heading for a hike in the Wasatch Mountains, USAA can be there for you. USAA offers a combination of coverages and service you can count on if you live in Utah.

USAA offers Utah residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in Utah

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record play a part in how much you'll pay.

See note$143 See noteper month

The average monthly cost for all USAA auto policies issued in Utah in 2023.See note1

Utah coverage requirements and minimums

As of Jan. 1, 2024, Utah law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $65,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $15,000 property damage liability coverage

    This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

  • $3,000 Personal injury protection (PIP)

    This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Utah

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)