Welcome to Utah: Time to Update Your Car Insurance
If you've recently moved to Utah—especially to Salt Lake City—there’s more to settle than just unpacking boxes and finding the best local hiking spots. One of the most important things new residents need to handle is updating their auto insurance policy to meet Utah’s legal and financial requirements.
Driving with out-of-state coverage in Utah beyond the grace period could lead to fines or delays in registering your vehicle. Here's what you need to know about making the switch smoothly.
Utah’s Minimum Insurance Requirements
Utah is a no-fault insurance state, which means your policy needs to include Personal Injury Protection (PIP) in addition to standard liability coverage. As of 2025, here’s what the state mandates:
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$25,000 for bodily injury per person
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$65,000 per accident for bodily injury
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$15,000 for property damage
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$3,000 in Personal Injury Protection (PIP)
If your previous policy didn’t include PIP—or lower minimums—you’ll need to revise your salt lake city insurance to stay compliant with Utah law.
Timing Is Key: When to Update Your Insurance
Utah allows new residents 60 days to register their vehicle after establishing residency. That gives you a short window to update your policy. Insurance providers in other states may not cover you properly once you’ve relocated, and your rates may no longer reflect your driving environment.
To avoid lapses or penalties, contact a local provider as soon as possible to begin the transition.
Will Your Rates Go Up or Down?
It depends on a few factors:
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Driving history
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ZIP code
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Vehicle type
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Credit score (yes, it's legal to use in Utah)
Salt Lake City drivers might see a rate increase if they previously lived in a rural area with fewer accidents or claims. However, moving from a higher-risk city like Los Angeles or Chicago might lower your premiums.
Keep in mind that bundling options, driving fewer miles, or safe driver programs can help offset any increases.
Final Thoughts
Moving to a new state always comes with a checklist—and transferring your car insurance should be near the top. Make sure you meet Utah’s legal requirements, compare providers for the best fit, and explore all available discounts to save money.
If you're trying to lock in cheap car insurance in Salt Lake City, acting quickly and understanding Utah-specific rules can make all the difference.
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