Utah is one of twelve states known as "no-fault" states. This means that no one is cited for accidents and your insurance company will pay for your repairs no matter who caused the accident. As such, auto insurance in Utah has different types of coverage and higher limits than insurance in other states. The financial responsibility law requires that Utah drivers have the following minimum insurance limits to drive legally:

•     Liability Coverage
  
  1.     $25,000 injury coverage per person
  2.     $50,000 injury coverage per accident
  3.     $15,000 property damage coverage per occurrence
•     Uninsured Motorist Coverage
  
  1.     Same limits as liability coverages
•     $3,000 Personal Injury Protection

Auto insurance in Utah is calculated based on a variety of factors, including: driving record, type of car being insured, amount of coverage desired, your credit rating, and the address where your car is parked at night. Other elements that may influence your rates, but aren't as important, can be things like your age, gender, and how long you've been driving.

You should always consider purchasing as much coverage as you need to be financially secure. Even if you need more than the minimum amount to be safe, it's better to pay a little extra now for better coverage than to wind up with a $20,000 bill for repairs that aren't covered by your insurance. You can check with multiple companies and get various quotes to compare rates and choose the best policy for your needs. No matter what, you should always get at least two or three quotes before purchasing auto insurance in Utah. If you take the first policy you're offered, you might not be getting the insurance rates you deserve.