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New customer to Sun Coast? You are in the right place. Select a product below to get started.
New customer to Sun Coast? You are in the right place. Select a product below to get started.
Utah is a no-fault insurance state, which means your own insurance policy pays for your injuries regardless of who caused the accident. All drivers are legally required to carry auto insurance to operate a vehicle. Failing to carry valid insurance in Utah can lead to fines, license suspension, and other penalties.
Drivers must carry at least the following minimum coverages:
Keep in mind that these minimums may not be enough in the event of a major crash. Many drivers choose higher limits or extended coverage for better protection.
Auto insurance rates in Utah depend on your age, driving history, vehicle, and ZIP code. Some areas have higher rates due to accident volume or theft claims. In particular, we serve many customers in high-demand locations including:
These cities are among the most searched for auto insurance in Utah—and we help drivers there find affordable protection every day.
Try these strategies to reduce your premium:
Discount availability varies by provider and must be verified at the time of quote.
If you're leasing or financing your car, the lender or leasing company will require extended protection. This often includes:
You may also need GAP insurance if the vehicle depreciates faster than your loan balance.
Getting a policy is easy. You can:
Be ready with your driver's license, vehicle info, and your ZIP code (especially if you're located in high-traffic areas like 84119 or 84118).
Most insurers in Utah offer a short grace period—typically between 7 and 30 days—for adding a newly purchased vehicle to your existing policy. However, the grace period is not guaranteed and varies by provider. Always notify your insurer immediately after purchase to avoid coverage gaps.
Grace periods typically only apply when adding a vehicle to an active policy—not when buying a policy from scratch.
All vehicles must be registered with the Utah Division of Motor Vehicles (DMV). Registration is required annually and involves proof of insurance, vehicle inspection (if applicable), and payment of registration fees.
Driving without proper registration or insurance can result in fines and vehicle impoundment.
Your ZIP code can significantly affect your premium. For example:
We work with drivers throughout Utah, including West Jordan, Magna, and surrounding communities to match them with the best-fit policy at the best rate.
This guide is for informational purposes only and does not constitute legal or insurance advice.
