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Did you know that there are thousands of drivers who need auto insurance in Provo and Payson? Okay, maybe not a ba-jillion, but we're pretty sure you'd prefer to spend your hard-earned money on something other than insurance, right? If you've been searching for "affordable car insurance near me" or "local auto insurance companies," you're in the right place. Keep reading to learn how getting quotes from multiple car insurance companies can help you find the lowest auto insurance prices.

Since you've taken the time to read this article, we're happy to share a secret on how to save money on your auto insurance without sacrificing coverage: choose a friendly insurance agent with a broad market reach. By working with an agent who can find the right companies for you, you'll save time and money - and avoid those premature gray hairs!

Not convinced? This simple trick will help you save money, get the right coverage, and make your life easier. You might be wondering about special discounts. Sure, we can list a ton of them, but at the end of the day, it all boils down to two things: what's the coverage, and what's the price? It's that simple, and it should be!

Compare Quotes

If you're like many Utah residents, you're searching for the best car insurance provider at the lowest price. Whether you're getting car insurance for the first time or you're shopping for a new provider, we've got you covered. Keystone Insurance Services works with several local auto insurance companies, which means our agents can easily compare car insurance rates for you. Simply fill out a quote form, and one of our agents will help you compare auto insurance quotes from multiple providers. Unlike online quote comparison tools, which may not always be accurate, our agents are here to assist you with an accurate comparison.

Why Choose Us?

The great news is, you're already in the right place! Keystone Insurance Services partners with some of the most trusted car insurance companies in Utah, including Bear River Mutual (which often offers the lowest rates), Auto-Owners Insurance, Travelers, The Hartford, Progressive, Mutual of Enumclaw, United Insurance, and many others. This means if you take a few minutes to provide your information, we'll find the best deal out of dozens of insurance companies, ensuring you get the lowest rate. It's that easy!

Read about how to choose the best auto insurance company for you and your family.

At Keystone Insurance Services, we make the insurance shopping process easy. With offices in Provo and Payson, we help Utah residents find affordable car insurance. When you choose us, you'll always have a local car insurance broker nearby. You're just a few questions away from getting started, so let's go!

What Our Clients Say

"I loved having Jason as my agent! As a college student with little knowledge on car insurance, he was patient to explain the policy to me and was genuinely trying to help me to save money. I never had a problem with billing. The secretaries there are also very nice."

Rating: 5/5 ⭐⭐⭐⭐⭐
Estefani Parra
Read more of our 580+ reviews on Google!

How Much Does Car Insurance Cost in Utah?

Car insurance rates in Utah have been rising over the last 3 years due to increased claim costs. However, we're seeing a stabilization in rates over the past few months, and we expect that 2025 may bring more modest increases compared to previous years.

In Utah, auto insurance premiums start at around $245/year for Liability coverage or $379/year for full coverage. The cost of your insurance depends on several factors:

At Keystone Insurance, we've helped many Utah residents save up to 52% annually by switching to more affordable options.

Are you considered a high-risk driver? Learn more about car insurance after a DUI

What is the Minimum Auto Insurance Coverage in Utah?

The state of Utah requires a minimum auto insurance coverage of:

  • Bodily Injury - $30,000 per person, with a total maximum of $65,000 per incident
  • It also covers up to $25,000 for damage to another person's property

What Auto Insurance is Required in Utah?

Utah requires liability coverage, and since it is a no-fault state, you must carry at least $3,000 in Personal Injury Protection (PIP) to cover medical payments. Learn more about the consequences of driving without insurance in Utah.

More Auto Insurance Utah FAQ:

Q: Is Utah a No-Fault Car Insurance State?

A: Some states in the U.S. have found a creative way to prevent courts from being packed with small lawsuits:  Utah is one of 12 states to adopt a “No-Fault” insurance system for auto-related accidents. This means that no matter whose fault the accident is, each injured person would file the first $3,000 of bodily injury with the insurance company covering their vehicle.  Once the full $3,000 is paid out for an individual, they can attempt to recover any additional bodily injury loss from the other party. Typically, we’re fearful of turning in claims to our own insurance company for fear of rates being raised, but a PIP claim alone should never affect your insurance premiums.

Q: Do You Need Insurance to Register a Car in Utah?

A: On the Utah DMV website, it states that in order to register a vehicle, you must provide: “...vehicle title, driver's license, proof of insurance, and certificate of inspection, if required.”  However, I have registered more than one vehicle in Utah without showing any proof of insurance. After putting a call into the DMV (1-800-DMV-UTAH), I was told that technically you do need active insurance to register a vehicle, but since most insurance companies will allow 10 days to notify them of the new purchase, you may be covered by default.  Many tellers choose to let it slide, but if you don’t have any active insurance coverage now, chances are better that the teller that you get will require your proof of insurance before issuing the registration.

Q: How Much is a No-Insurance ticket in Utah?

A: Getting slapped with a “driving without insurance” ticket can have much bigger consequences than paying a heavy fine.  Those unfortunate enough to receive this ticket must appear before a judge, and most of the time will be required to carry an SR-22 filing on their auto insurance policy for the next 3 years.  This filing is essentially a babysitter that requires the insurance company to notify the state if you let your insurance cancel for any reason. Outside of the fact that the ticket is considered a major moving violation which raises rates, the nature of needing an SR-22 can exclude you from being eligible to insure yourself with many of the better-priced insurance companies...it’s a double whammy. 

Q: Will My Auto Insurance Policy Transfer to Someone’s Car I Am Borrowing?

A: In the state of Utah, your policy does not typically cover a vehicle that you have borrowed.  Your policy may still defend you as an individual, but in most cases, it does not protect the owner of the borrowed vehicle, or their property.

Find out more details about car insurance and other drivers here.

Q: Does My Personal Auto Insurance Policy Provide Coverage If I’m Using My Vehicle for Business?

A: Some insurers will offer to extend coverage for certain business uses, but the personal auto policy would not typically extend coverage to the business itself which means that the business could be left vulnerable in the event of a claim.  You should talk to your agent to find out if you need a commercial auto policy.

Q: If I Rent a Vehicle, Do I Have to Buy the Rental Company’s Insurance?

A:  It’s not always necessary to purchase the coverage from the rental car company which is great because in most cases their coverage is very expensive.  Some auto insurance companies will automatically extend liability and physical damage to the rented vehicle in the United States and Canada, but there are two things not normally covered by your policy:  The Daily Rental Fee until the vehicle is fixed, and the Diminished Value which is really just a perceived value drop for the rental vehicle because the car has been involved in an accident.  Talk to your agent to find out what coverage is extended on your particular policy so that you don’t overpay when you rent your next vehicle.

Q:  What is Covered Under Comprehensive Coverage?

A:  Comprehensive refers to physical damage to your car and is commonly referred to as “not at fault” claims such as vandalism, theft, wind, fire, hail, glass breakage, water, falling objects (watch out for those meteors), and hitting animals such as deer.

Q:  What is Covered Under Collision Coverage?

A:  Collision coverage is also referring to physical damage to your vehicle and it pays for repairs due to the overturn of the vehicle, or collision with another object such as another car, building, pole, etc.

Q:  How Much Coverage Do I Need to Carry On My Auto Insurance?

A:  The only real answer to this is to say “However much your future claims will cost”.  Although that’s really the truth, the practical answer is to weigh your risk if a serious accident occurs.  A newly married couple with no assets will have different needs than an established family with a home, vehicle, and additional assets.  You will want to discuss with your agent your particular needs.  Many times the bump in coverage is extremely reasonable in cost and will help protect your assets much better.

Q:  What Should I Do If I Have An Accident?

A:  If the accident involves another party you should generally notify the police first, but if that’s not possible or practical make sure that you exchange information with them such as names, addresses, telephone numbers, license plates, and insurance information.  Taking photos is also a great way to document what occurred so that you can reference the photos if there’s a dispute.  Because accidents will sometimes leave us frazzled, it’s important to remember that we may not be the greatest decision-makers in these situations, so remember to never admit fault, and do not discuss the accident details with any third parties other than your insurance company, your insurance agent, and the police.  Notify your insurance agent about the accident as soon as you’re in a safe place.

Q: What is GAP insurance?

A:  GAP insurance, which stands for Guaranteed Asset Protection insurance, is an essential type of auto coverage for those leasing or financing a new car that covers the owed amount when it is stolen or totaled. It is important to understand that GAP insurance does not cover injuries or other damages related to the accident, nor does it cover engine failures that were not a result of an accident. While standard auto insurance only pays an amount up to the value of your vehicle, GAP insurance covers the financial loss you would suffer if your loan balance is higher than the vehicle was valued at.

 

Contact Us Today!

Our agents at Keystone Insurance are ready to help you find the right car insurance coverage for your needs. Whether you're looking for more information or want a free quote, call our Payson or Provo, UT offices today. Fill out the form below to start comparing car insurance rates from multiple providers. Our agents are here to ensure you don't overpay for your coverage.

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