Utah Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Utah Drivers

With five national parks, amazing mountain views and colorful canyons, there’s plenty of reason to be on the road in Utah. The AARP® Auto Insurance Program from The Hartford1 knows it’s important to feel secure with your car insurance as you travel along Utah’s highways and byways. The Hartford has been insuring Utah AARP members and their families since 1984, and we’ve earned a reputation for integrity and trust by offering reliable car insurance. Just ask our customers – with high customer ratings for claims services, you can count on car insurance from The Hartford to be there when it matters most.

If you’re looking to request a car insurance quote, or just want to learn more about buying car insurance in the state of Utah, we’re here to help.

Car Insurance Benefits Offered to Utah Drivers

The AARP Auto Insurance Program from The Hartford offers several benefits to Utah drivers. The Hartford’s car insurance includes the following benefits:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Utah

Utah state law requires drivers to carry liability coverage in the following amounts:2
  • $25,000 for bodily injury, per person per accident
  • $65,000 for bodily injury, total per accident
  • $15,000 for property damage per accident

Proof of Car Insurance in Utah

It’s a good idea to keep a hard copy of your registration and proof of car insurance in your vehicle’s glove box, so it’s always there when you need it. Utah also allows drivers to furnish electronic proof of car insurance as a convenience. With The Hartford’s mobile app, you can save your car insurance ID cards to your mobile device for easy access. Visit the App Store™ or Google Play™ for more information.

Utah Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 5.8 percent of Utah drivers don’t have car insurance. Utah is below the national average of 12.6% of drivers who are without car insurance.3

Although uninsured/underinsured motorist coverage is optional in Utah, it can help protect you from financial loss in the event that you are involved in an accident with an uninsured motorist. 

Additional Car Insurance Coverages Available to Utah Drivers

For added protection, Utah drivers may also be eligible for the following coverages from The AARP Auto Insurance Program from The Hartford. These additional car insurance coverages include:
  • Comprehensive
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

Beyond Car Insurance: Staying Safe on Utah Roads

As you travel through Utah, there are a number of safe driving laws meant to protect you on Utah’s highways and byways. Here are just a few:4

Utah Seat Belt Laws:

Utah is one of many states with a primary seat belt law – which means you can be pulled over and ticketed just for not wearing your seat belt. 

Utah Distracted Driving Laws:

Utah has laws in place to discourage distracted driving:
  • New drivers in Utah are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Utah.

Utah Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Utah wants to be sure they stay safe in the process! Utah has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.