Freedom National offers fiercely competitive rates in Utah, but getting a great value doesn't mean that you need to sacrifice on quality. Our program features are tailored to Utah drivers and include favorites such as: Extended Coverage Option, Good Driver Discount, and Fast 24 Hour Processing. Getting car insurance with Freedom National has never been more quick and simple. Our online quote service can provide the information you require immediately and accurately. Don't waste any time or energy haggling with another insurance sales representative -- get cheap car insurance in Utah at Freedom National.
We work with most cars and drivers to get you the coverage you need at a price you can afford.
Fast, easy payment options including auto-pay from a credit card and monthly payment plans.
We offer options for drivers with perfect and not-so-perfect driving histories.
The natural splendor of Utah is unlike any other state in the nation, with incredibly diverse climates and landscapes—ranging from the snowy alpine heights of Northern Utah to the otherworldly red-rock formations of Moab and Southern Utah. Residents may love the state’s unique beauty, but its intense beauty comes at a cost: Utah is known for offering a unique set of driving hazards that can result in damage, unexpected accidents, and other dangers to your vehicle and the vehicles of Utah drivers around you.
That’s why finding the best cheap car insurance Utah has to offer with the best car insurance rates is absolutely essential. Freedom National gives you everything you need to the get high-quality, cheap car insurance Utah drivers need and go from quote to coverage in 5 minutes or less. Freedom National even specializes in offering cheap coverage to ‘at-risk’ or 'high risk' drivers with histories of DUIs, at-fault accidents, or other past events that can otherwise make your car insurance more expensive.
To offer you the best cheap coverage Utah drivers need, it’s important to understand minimum coverage requirements for the state. All cheap car insurance in Utah requires no-fault liability insurance and personal injury protection at a minimum, and they have set out the following minimum limits and insurance requirements for each:
Liability is important, not just because it’s required but because it will help pay for the medical bills and repair bills of others if you’re found to be at fault in the event of a car accident. A car accident is stressful enough without worrying about the substantial financial burdens of covering someone else’s repair and medical costs.
Meanwhile, PIP is designed to cover your personal medical expenses in the event of injuries in an accident—regardless of who may have been at fault in the accident.
It’s also important to note that any cheap car insurance Utah drivers purchase, or any car insurance of any kind, will adhere to Utah’s comparative negligence law. This law addresses when someone can sue for damages in the event of an accident, and how much they can sue for—if you’re found less than 50% at fault for an accident, the insurance provider of the driver at fault will offer you a claim settlement that corresponds to the percentage that their driver is found at fault.
Because Freedom National offers some of the highest-quality cheap car insurance Utah has to offer, you don’t have to settle for the minimum—there are some great optional coverage options that can give you increased protection from financial liability. These options include:
Like all states, Utah has some car insurance requirements that are specific to the state. This applies not only to the types and levels of coverage that are required, but also to other specifications that you’ll want to be aware of when purchasing the cheap car insurance Utah drivers need.
For example, Utah is a no-fault state and has specific rules and regulations regarding the way that claims are settled and what proof of insurance is required. With that in mind, here are some of the primary specifications that are unique to Utah car insurance.
While all states require car insurance to offer some form of personal injury protection coverage, Utah’s specifications as it relates to this coverage are unique to the state. In Utah, personal injury protection (PIP) coverage will pay for the following in the event of an accident:
Because of Utah’s comparative negligence law, cheap car insurance in Utah involves accident claims that aren’t as simple as picking which of the two drivers is at fault. Comparative negligence means that multiple drivers can be at fault to varying degrees, measured in a percentage. For example, if you’re in an accident with another driver, you may be found to be 20% at fault while they are found to be 80% at fault.
This is important when it comes to suing for damages. The amount that one party can sue the other for damages is based on the comparative negligence determined by officials. If you’re less than 50% at fault, you can sue for damages to make up the percentage of costs that the other driver is found to be at fault. So if the other driver is found to be 80% at fault, the insurer may pay a settlement for 80% of your medical and repair costs.
Utah law requires that motorists carry proof of insurance with them at all times, and present it to any law enforcement officer that requests it. Freedom National makes it easy for you to instantly download or print proof of insurance to ensure that you’re always compliant with Utah state law.
The car insurance Utah requires is no-fault, which means that Utah is one of twelve states that uses what’s known as a ‘no-fault’ insurance system. This means that when you’re in a car accident with bodily injury, your own insurance coverage might be your only option for covering medical bills. That is, unless your injuries meet the state’s threshold for filing a lawsuit against the at-fault driver. In Utah, that amount is $3,000. You’re required to have at least that amount of coverage in personal injury protection, and only when your medical bills exceed this amount can you sue the other driver’s insurer for additional costs.
There are exceptions to these terms, including in the event of certain traumatic, lasting injuries, which would instantly qualify you to sue for medical costs under no-fault laws.
How does Freedom National offer the best cheap car insurance Utah has to offer? By working with multiple insurance companies that all share one thing in common—financial stability and a willingness to work with less-than-ideal drivers to provide coverage. This lets us at Freedom National cover most drivers, even those with:
We also make it easy to get the paperwork you need to register your vehicle or reinstate your license, and with a wide range of payment options and claims handling we make car insurance a custom experience for every individual customer.
Why? Because now two drivers are the same, and your insurance policy should be as unique as you and your needs are.
Looking to get a quote for cheap car insurance Utah policies from a trusted auto insurance company? Here are some of the factors that are most likely to affect the car insurance quotes Utah drivers are looking for:
Discounts for Utah drivers can be based on a wide range of factors, including a safe driving history and no lapses in coverage. These discounts will be specific to your individual case, and will be selected from the best Utah auto insurers in our network.
Wondering whether Freedom National offers you cheap Utah car insurance for your city? Don’t worry—we cover the entire state of Utah, including the following major cities and areas:
Why wait another moment to access the best car insurance Utah has to offer? Freedom National has access to the car insurance company options, prices, and coverage options you need for your unique situation to get the cheapest car insurance available. Buy online, go from quote to coverage in 5 minutes, receive your proof of insurance instantly, and get the cheapest car insurance coverage today thanks to the best auto insurance company in the state.
Need more info about Utah? Check out these links:
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Contact:
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PO Box 7820
Newport Beach, CA 92658
Phone: Customer Service:
888.542.4222