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Utah Insurance Guide
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Insurance in Utah
Find comprehensive insurance information for Utah (UT) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Utah (UT) |
| Region | West |
| Population | ~3.4M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Utah Department of Insurance |
Health Insurance in Utah
Utah residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Utah
Utah has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Utah
Protect your home with coverage tailored to Utah’s specific risks and requirements.
Life Insurance in Utah
Find life insurance options available to Utah residents to protect your family’s financial future.
How Utah Compares
Understanding how Utah stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Utah | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,118 | $1,935 | -42% (below average) |
| Health Insurance (monthly) | $567 | $477 | +19% (near average) |
| Home Insurance (annual) | $1,078 | $2,377 | -55% (among the lowest) |
| Uninsured Rate | 8.7% | 9.5% | -8% (near average) |
Key Insights
- Homeowners insurance is among the most affordable in the country at #5.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Utah Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Utah (opens in new tab) - Federal health insurance marketplace for Utah
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Utah address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Utah Insurance Department
- Phone
- 801-538-3800
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Utah?
Utah requires minimum liability coverage of 25/65/15: $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 for property damage. Personal Injury Protection (PIP) of $3,000 is also required as Utah is a no-fault state.
How do I get health insurance in Utah?
Utah uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Utah expanded Medicaid in 2020, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Utah homeowners insurance cover earthquake damage?
No, standard homeowners insurance does not cover earthquake damage. Utah has significant earthquake risk along the Wasatch Fault. Separate earthquake insurance is available and recommended, especially along the Wasatch Front.
Is Utah a no-fault auto insurance state?
Yes, Utah is a no-fault state with required Personal Injury Protection (PIP) coverage of $3,000. Your own insurance covers your medical expenses regardless of fault up to PIP limits. You can pursue at-fault claims for serious injuries.
What is the average cost of car insurance in Utah?
Utah drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Salt Lake City metro area has higher rates than rural Utah.
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[utah] Insurance Types
Compare insurance options available to [utah] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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