Utah Auto Insurance Coverage Guide

General Information 

Utah’s Minimum Car Insurance Coverage
  • Bodily Injury Liability: $25,000 per person and $65,000 per accident+
  • Property Damage Liability: $15,000 per accident+
  • Personal Injury Protection: $3,000 per accident#
  • Uninsured Motorist: $25,000 per person and $65,000 per accident*
  • Underinsured Motorist: $25,000 per person and $65,000 per accident*

+Liability coverage through each policy has a minimum requirement based on your state of residence. You can choose your level of coverage. However, with lower coverage, you have lower premiums but this provides less protection in the case of a severe accident. Higher coverage will give you much greater financial protection but may not fit within your budget. 

*Utah law does not require you to purchase uninsured motorists or underinsured motorist coverage. However, if you do purchase such coverage, Utah law requires that you buy at least $25,000 per person or $65,000 per accident.

All Utah drivers must carry proof of auto insurance and present it to any law enforcement officer upon request.

#Personal Injury Protection comes with every auto insurance policy in Utah regardless of coverages. As long as you have auto insurance, PIP is available to you. 

Overall with insurance policies, your premium can be affected by the type of vehicle you are driving, the area you live in, your driving record, your age, and marital status, as well as other factors. 

Utah has the following insurance companies: Auto-Owners, Bear River Mutual, CSE Insurance, Farmers, Geico, Hartford/AARP, Liberty Mutual, Nationwide, Progressive, SafeCo, State Farm, Travelers and USAA. Each insurance company has its own terms and conditions for coverages and discounts defined below.


Bodily Injury liability

If found liable for injuries or death in an accident, your car insurance coverage can pay medical expenses, funeral expenses, loss of income and more.

Property Damage Liability

Property damage liability provides coverage for damage to another person’s car or property.

Uninsured/Underinsured Motorist

Uninsured/Underinsured motorist provides coverage if you and your passengers are injured in an accident with an uninsured or underinsured driver.

Medical Payment

Medical payment insurance provides coverage for reasonable medical and hospital costs if you or your passengers sustain injuries as the result of an auto accident, regardless of fault. 


This coverage helps pay for costs relating to vehicle damage caused by collisions with other cars or objects, no matter who’s at fault.


Comprehensive protects you if your vehicle is stolen, vandalized, or damaged by fire, flood, earthquake, falling objects or several other causes other than collision.

Personal Injury Protection (PIP)

Available in UT only. PIP provides coverage to pay basic expenses for an injured policyholder and his or her family in states with no-fault car insurance.

Rental Reimbursement

Rental reimbursement pays for a rental vehicle in the events of a covered loss on an insured vehicle.

New car added 

This coverage will pay for repairs or replace your new car without depreciation should it be damaged or totaled in a covered loss or accident. 


Advanced Shopping

This 10% discount is applied to new business policies if the AAA auto insurance quote is initiated by the customer more than seven days in advance of the policy effective date, and the applicant has at least six months of continuous prior insurance coverage.

Auto Insurance Loyalty

Insurance Persistency 5% discount is available for existing insureds. Additionally, the discount applies for the number of full years the named insured or spouse has had a continuous AAA auto insurance policy. In order to maintain insurance persistency, the AAA auto insurance policy cannot lapse for more than 30 days.

Distant Student

This discount only applies if someone other than the distant student driver holds the policy. The driver must temporarily live at and attend school more than 100 miles from home. The distant driver is age 15-25 and does not have a vehicle at school. Meeting these conditions may result in a 30% discount.

Good Student

Earn a 14.5% discount for high school or full-time college students with a verifiable GPA of 3.0 or more.

Membership Discount

This 5% discount is applied to a policy when any driver rated on the policy is a AAA member.

Membership Loyalty

Membership persistency is determined by the number of full years any rate driver on the policy has had a AAA membership and, therefore, results in a 5% discount.


This 7.5% discount is applied to a policy if there is more than one vehicle rated on the policy.

Payment Plan

This 7.8% discount applies to certain payment plans.

Teen Smart

This 24% discount is offered to qualified teen drivers who complete a qualified program by the time they are 18 years old.

Companion Home

This 10% discount is applied to a policy when the named insured has AAA Home Insurance. 

  • Discount amounts are listed.
  • Property damage liability includes damage done unto any property by your car such as mailboxes or houses. 
  • In order to maintain insurance persistency for auto insurance loyalty discounts, you have a period of 30 days in which your auto insurance policy can lapse. 
  • State PIP coverage as available in Utah only. Thirteen U.S. states offer personal injury protection. 
  • Distant student drivers cannot be the policyholder. 

American Family Insurance 



Collision insurance is optional coverage that pays for the cost of repairing or replacing your car after an accident. When you’re involved in an accident, you’ll need to pay a deductible which you’ll decide upon with your adjuster beforehand. Collision coverage includes anything from hitting another vehicle, to hitting an object, like a tree, guardrail or mailbox. There aren’t any states that require you to have collision coverage. However, you must own your car in order for coverage to be optional. Otherwise, lenders require collision coverage in loaned and leased vehicles. 


Comprehensive covers accidents that don’t involve other vehicles or objects. Things covered include theft, animal collisions, vandalism, fires, explosions, hail, natural disasters, certain falling objects, and floods. 

Property Damage Liability 

This coverage helps pay for any property damage done unto someone else’s property.

Bodily Injury Liability 

Bodily Injury Liability helps cover costs for injuries to your passengers, the driver, and passengers of the other vehicle as well as pedestrians. This coverage may also help pay for legal fees if your case goes to litigation. Overall, bodily injury coverage may cover medical expenses, pain and suffering, lost wages, legal fees, and funeral costs. 

Medical Expense 

Medical payments (Med Pay) coverage helps cover injuries sustained in an auto accident, regardless of fault. Med Pay offers protection in the event that you, your relative or your passengers are injured in a motor vehicle accident. Situations covered by med pay include:

  • Funeral expenses resulting from an accident
  • Any passengers injured while you or your family member is operating the vehicle
  • You or your family members are injured as pedestrians or while riding your bikes
  • You’re injured as a passenger in someone else’s car
Personal Injury Protection (PIP)

PIP coverage helps reimburse you and your passengers for lost income, medical costs, regardless of fault. 

Other Coverage


Gap coverage can help pay the difference between the amount you owe on your loan or leased car and the amount it’ll cost to replace it with a new one. 

Underinsured Motorist Protection 

In the case that you’re in an accident with an at-fault driver whose policy doesn’t cover all of your bills, your own coverage would kick in under this policy.

Rental Reimbursement 

Rental reimbursement coverage may cover rental car costs, rideshare services, taxis, city buses, light rail or commuter trains. For this coverage you have 2 options for rental cars, you can use an approved provider that will send the bill directly to American Family Insurance, or you can choose the rental car provider. If you choose to use a business of your choice, you’ll need to pay for the cost upfront and then submit receipts in a claim form for reimbursement. Often times, per-day and per-accident limitations apply to this coverage. 

Uninsured Motorist Protection 

Uninsured Motorist Protection Coverage covers you and your passenger’s bodily injuries when you’re struck by an uninsured driver. This coverage will help pay for medical expenses, loss of income, funeral costs, and mental health treatment resulting from the accident. 

Emergency Road Service 

Services include towing, battery jump, tire servicing, gas and oil delivery, locksmith, and roadside repairs. 

Accidental Death and Dismemberment

Regardless of fault, this coverage helps pay for death or dismemberment injuries. 



By bundling your home and auto insurance policies with American Family, you’ll save. 


If you insure more than one vehicle with American Family Insurance, you may receive a reduced auto insurance premium.


When you sign up for KnowYourDriver program which helps you learn safe and smart driving habits, you can be rewarded with policy savings. 

Good Driving

Drivers without accidents, violations or claims may receive a reduced premium rate. 


If you’ve been a loyal customer for a while, you can receive discounts depending on how long you’ve had American Family Insurance.


If you receive a policy quote at least seven days prior to having your policy go into effect, you may receive a discount. However, you need to have an active policy with another carrier for this discount to apply. 

Steer into Savings

When you switch to American Family Insurance from a competing company, you may receive a discount.

Auto Safety Equipment

When you have factory-installed airbags in your vehicle you may save 10-30 percent on your policy depending on which state you live in.

Defensive Driver

When you are aged 55 or older and you complete an approved defensive driving course, you can receive this discount. 

Low Mileage

Those who drive less than 7,500 miles per year can qualify for additional savings.

Good Student

In some cases, your student’s top-notch record can help you save on insurance premiums.

Teen Safe Driver

Enroll your teen driver in this program and you may receive a discount.

Away at School

If your student (younger than 25) attends college more than 100 miles from your home and their vehicle stays with you, you may save. 

Young Volunteer

If you’re under age 25 and complete 40 hours of volunteer work per year for a non-profit establishment, you can save on your auto policy.


If your mom or dad are insured under American Family, you can save on your policy. 


Enroll in automatic funds transfer (AFT) or electronic recurring payments, and you’ll receive this discount.

Customer Full Pay 

Save money when you pay your policy in full at the time of purchase. 


Enroll in online billing and e-delivery and you can save money. 

  • Discounts available for those under age 25 who complete volunteer work for non-profit companies. 
  • Low mileage discounts offered to those who travel less than 7,500 miles per year. 
  • You can receive a discount for switching to American Family Insurance
  • Medical expenses coverage covers you and your family members as passengers in another car, pedestrians and biking. 
  • Bodily injury liability will cover legal fees when your case goes to litigation
  • Good grade discount does not provide GPA or Grade information in order to qualify. 

All State

Collision Coverage

Collision covers expenses related to damage or destruction of your vehicle from an accident or other collision.

Comprehensive Coverage

Comprehensive covers expenses related to the damage to your vehicle caused by vandalism, theft, hail, fallen trees and more.

Liability Coverage

Liability covers expenses related to injury, death or property damage of others when you’re at fault.

Medical Payments Coverage

Medical payments covers medical expenses if you or your passengers are hurt.

Uninsured & Underinsured Motorist Coverage

This coverage expenses if the other driver is at fault and doesn’t have insurance. 

Sound System Insurance

This insurance covers the cost of replacing stolen or damaged audio and/or video equipment. 

Roadside Coverage

Roadside Coverage covers the cost of common roadside services like tire changes and jump-starts.

Personal Injury Protection (PIP)

PIP covers expenses related to injuries you sustained in a covered accident. 

Personal Umbrella Policy

This policy covers liability above and beyond your auto policy’s other liability underlying limits.

Rental Reimbursement Coverage

Rental Reimbursement helps cover the cost of renting a car or other transportation expenses while your vehicle’s in the shop. 

Classic Car Insurance

This insurance helps keep retro rides from antiques to modern classics on the road. 

Mexico Insurance

Auto insurance is available which helps cover U.S. and Canadian drivers while they’re traveling in Mexico for up to a year. 


New Car 

You may get up to 15% in savings on your Allstate auto policy when you’re the first owner of a current model or one-year-old car. 

Multiple Policy 

By combining auto and home policies you can get up to 10% off of auto and 25% off of home insurance premiums. This discount also applies if you own or rent a condo. Additionally, if you have auto and life policies with All State, you can save. 

Smart Student 

If you have a student driver who is under the age of 25, unmarried and fits one of the following three conditions, you can apply for this discount. Your student attends school full time and gets good grades. They successfully completed the teenSMART driver education program. They attend school at least 100 miles away from where you keep your car. 

Anti-lock Brake

Save when your car is equipped with anti-lock brakes.

Anti-theft Device

If you have anti-theft devices installed in your vehicle, you may receive this discount. 

Early Signing 

Save when you sign your policy 7 or more days before it becomes effective.

Responsible Payer 

Save if you did not receive a cancellation notice for non-payment in the past year. 

EZ Pay Plan 

Save when you set up automatic withdrawal for paying your premium.

Allstate eSmart

Save when you go paperless by signing up for ePolicy, a convenient way to view insurance documents online.

Full Pay 

Save when you pay your policy in full.

Safe Driving Club

Save big when you meet the safe driving requirements to make it into the club. 

  • Sound system insurance covers your audio and visual devices installed into your vehicle. 
  • Anti-lock brake and anti-theft device discounts are offered. 
  • All-State has 6-month policy contracts which put policyholders at risk for increases twice as many times as those who provide 12-month policy contracts. 



Collision covers the cost of repairing or replacing your vehicle when an accident occurs.


Comprehensive pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, animal accidents, etc.

Bodily Injury Liability 

This coverage protects you from paying expenses out of pocket when injuries occur in an accident that has been determined to be your fault. 

Property Damage Liability 

When an accident is determined to be your fault, property damage liability pays for damage to others’ property up to the limits of the policy.

Bodily injury and property damage liability include legal defense. 

Uninsured/Underinsured Motorist 

In the event of injury, damage or death caused by someone who does not have insurance or does not have adequate coverage, uninsured/underinsured motorist covers expenses incurred from these injuries and damages up to the limits of the policy.

Medical Payments and Personal Injury Protection

Med Pay and PIP pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured and passengers.

Road Trouble Service

If you’re stranded on the road due to a flat tire, minor mechanical malfunction, a dead battery, no gas, or keys locked in the vehicle, road trouble service will cover you for services in all 50 U.S. states and Canada.

Additional Expense 

Additional expense pays for a rental car. Furthermore, when you’re stranded away from home, this coverage can provide for food and lodging and other incidental expenses. 

Loan Gap/Lease Gap

If your vehicle is totaled by an accident and you still owe money on your car loan, this coverage will make up the difference between the value of the car in its current condition and the amount you still owe on the loan. 

Diminished Value

When your car is involved in an accident, it will likely lose value even after being repaired. Diminished value protects the investment you’ve made on your car and compensates you for value reductions. 

Personal Automobile Plus Package

The plus package provides 10 additional coverages for one rate; this protects you from identity theft, pays for lock rekeying, can replace your cell phone, and more. 

Additional Benefits
Collision Coverage Advantage

Your collision deductible will be waived if you’re involved in an accident with another vehicle insured by auto-owners. Any damage caused by collision with an animal will be paid under either comprehensive or collision coverage, whichever coverage pays the policyholder the most.

Common Loss Deductible

If both your home and cars are insured with auto owners and you have a loss that damages both properties, the auto deductible will decrease by the personal property deductible. If the auto deductible is less than the personal property deductible, the auto deductible will be waived completely.

Rental Cars

Your coverage depends on your policy but may also include coverage for other rental car charges and fees. 

Multi-policy Discount

 You’ll save on your auto policy premium when you have other qualifying policies with Auto-Owners.

Life Multi-policy Discount

 When you have a life insurance policy with Auto-Owners, you’ll receive a discount on your auto policy. 

Payment History

This discount is for individuals who paid their premiums on time for the last 36 months.

Paid-in-full Discount

Save more when you pay your annual policy premium in full and on time.

Green Discount

When you opt for paperless billing and paying premiums online you’ll qualify for this discount.

Advance Quote

Receive a discount when you request a premium quote prior to the effective date of the policy. 


When two or more private passenger vehicles are insured on your personal auto policy, you’ll receive this discount.

Safety Feature Discounts

You may qualify for this discount when your vehicle has certain safety features, such as anti-lock brake systems, airbags or anti-theft devices.


By increasing your deductible, you can reduce your policy premium. However, make sure to only choose a deductible that you can afford.

Student Discounts
Good Student

Reduce your policy premium up to 20% when your student maintains a cumulative B or better grade-point average.

Student Away

 Receive a discount for your student who attends school over 100 miles away and doesn’t use a vehicle. 

Teen Driver Monitoring

When you permanently install a GPS within the vehicle your teenager primarily operates you’ll receive this discount. 

  • Their comprehensive coverage policy includes the term ‘etc.’. Which means, they will provide coverage to a myriad of damages. Other insurance companies have a specific list of incidents that they don’t cover. 
  • Any damage caused by collision with an animal will be paid under either comprehensive or collision coverage, whichever coverage pays the policyholder the most. 
  • Your collision deductible will be waived if you’re involved in an accident with another vehicle insured by auto-owners. 
  • Auto-owners does not separate add-on coverages vs. standard coverages on their website

Bear River Mutual

Standard Coverage

Liability coverage is meant to protect you financially when an accident causes injury or damage to other people or property. Furthermore, liability covers you in case you are sued, required to pay medical bills for others, or obligated to pay for property damage repairs caused by an accident determined to be your fault. 

Comprehensive and Collision

Comprehensive and collision coverage covers damage to your vehicle, regardless of fault. Bear River Mutual pays for accident-related repairs or may even pay for the value of the vehicle in a collision.

Comprehensive covers you regardless of fault and covers damages caused by fire, theft, vandalism, hail, flooding and more. 

Personal Injury Protection 

Personal injury protection will provide coverage for medical bills, lost wages, or loss of services. Also, funeral expenses and survivor benefits may be provided. 

Windshield Replacement

Windshield replacement is covered by your auto policy. After your deductible is paid, windshield replacement coverage will take care of the rest. 

Add-on Coverage
Uninsured/Underinsured Motorist 

When the at-fault driver is not insured or inadequately insured to cover your treatment and property damage, uninsured/underinsured motorist coverage will cover expenses up to the limits of your policy. Also if you’re involved in a hit and run, this coverage will apply.

24/7 Roadside Assistance

Roadside assistance helps with towing, lockout and even gas delivery. 

Rental Car Reimbursement 

This add-on coverage can help pay for a rental vehicle to keep you mobile after an accident.  


Discounts are not specified on Bear River Mutual’s website. However, in their FAQ, they state that by keeping a clean driving record, avoiding driving under the influence and distracted driving, you can reduce your premium. You can also earn claim-free discounts and bundle your auto insurance with other Bear River Mutual policies to save money. 

  • Bear River Mutual provides coverage in all U.S. states, its territories, and Canada. 
  •  Bear River Mutual does not offer gap insurance. When a loan balance remains on your car after it is totaled by an accident, you are financially responsible for the remaining value of the loan. Bear River Mutual will provide a check for the current value of the totaled vehicle but no more.  
  • Rental Car Reimbursement does not cover the full cost of a rental car.

CSE Insurance

Standard Coverage

Comprehensive coverage pays for damage to your car caused by something other than a collision such as theft, fire, windstorm, or animal collision. When you lease or finance your vehicle, you may be required to purchase comprehensive insurance coverage


Collision coverage pays for damage to your car if you collide with another car or object minus the amount of your deductible. When you lease or finance your vehicle, this coverage may be required.

Bodily Injury Liability 

If you cause a car accident that injures another person, bodily injury liability coverage helps protect you from losing your savings or home to pay for damages. These damages would include medical costs, loss of income and funeral expenses of other people involved in a covered accident.

Medical Payments

In the event of injuries or hospital visits, medical payment coverage pays for your initial medical expenses related to the accident, regardless of fault. Medical payments cover passengers as well as family members living with you. For family members, they are still covered even if they are injured in another’s car or if they’re injured as a pedestrian.

Property Damage 

When you’re found responsible for the accident, property damage liability coverage pays for the repair or replacement of another person’s property. This typically means damage to someone else’s car but could apply to other types of property damaged in an accident. 

Add-on coverage
Full Glass

 With this optional coverage, you won’t have to pay out of pocket for broken glass on your vehicle.

Loan/Lease Gap

 In the event of a total loss or stolen vehicle, loan/lease gap coverage will pay the balance of your loan or lease, if greater than the vehicle’s cash value at the time of the accident. 

Equivalent Replacement Cost

In the case of an accident resulting in the totaling of your new car, this coverage will provide a replacement vehicle that will also be brand new.


Rideshare coverage insures drivers while en route to a passenger and once a passenger is in their car. This coverage takes the risk out of rideshare driving. 

Original Equipment Manufacturer

When your car needs repairs or parts to be replaced, this coverage ensures that those repairs and replacement parts come from the original equipment manufacturer.

Roadside Assistance 24/7

Emergency help is available to you if your car breaks down, you run out of gas or you’re locked out of your vehicle. Often CSE insurance responds to most roadside assistance calls within 25 minutes. 

Umbrella Liability Policy

The umbrella policy provides coverage anywhere in the world. Furthermore, coverage includes payment for defense costs and attorneys’ fees associated with claims against you as a landlord. Additionally, this policy covers costs that exceed the policy limits of an accident when you are at fault as well as legal and court costs necessary to defend you.

Accidents Covered By Umbrella Policy
  • Car Crash Caused by You or Your Dependents
  • Your Dog Bites Someone
  • Slips and Falls in Your Home or Apartment
  • Fire From Your Property That Spreads to Another Property
  • Your Child Starts a Fire That Burns Another’s Property
  • Swimming Pool/Hot Tub Accident or Drowning
  • Boat Accident
  • Personal Injury Lawsuit
Multi-vehicle Discount

When your family has two or more automobiles in your household and you insure them with CSE insurance, you could save up to 24% on your premium.

Multi-policy Discount 

You can save up to 22% when you insure your home apartment or condo with CSE as well as your auto policy.

Good Driving Discount

 Save up to 25% when you have 3+ years of good driving experience.

Good Student Discount

If you have a driving student under the age of 25 who attends college or high school, their good grades can result in a discount of up to 14%.

  • The umbrella policy covers more than auto accidents.
  • Discount details are provided
  • Rideshare coverage and original equipment manufacturer coverage is available
  • Medical payments cover passengers and family members even if your family members are in a different vehicle or hit as a pedestrian. 
  • Property damage covers more than vehicles
  • No deductible with full glass coverage
  • Roadside assistance coverage typically provides services within 25 minutes



In the case of an at-fault accident, liability coverage pays for the cost of others’ injuries and damage to their property.


Collision pays to repair or replace your vehicle when you’re at fault for an accident and covers accidents with other vehicles, objects, and animals. 


Comprehensive covers damage to your car caused by things besides a collision including hail, wind, theft, fire, vandalism, animal damage and more. 

Uninsured/Underinsured Motorist

If you are involved in a hit and run,  the at-fault driver doesn’t have insurance, or enough insurance to pay for your damages, uninsured/underinsured motorist coverage will cover your losses. This coverage will also cover damages to your car and bodily injury to you and your passengers up to the limits of your policy. 

Medical Payments

If you and your passengers are injured in an auto accident, medical payments will help pay for the cost of medical treatment regardless of fault. 

Personal Injury Protection (PIP)

Regardless of fault, PIP coverage helps cover the cost of your rehabilitation and lost wages resulting from an accident. If needed, PIP can also provide household services for those disabled from an accident as well as funeral and survivor benefits. 

Towing and Roadside Service 

This service provides 24/7 roadside assistance for you. You can receive help for towing, tire changing, jumpstarts, and even locksmithing services.

Rental Car Reimbursement 

While your vehicle is being repaired, rental car reimbursement coverage will provide a rental car for up to 30 days. Arrangements and billing for the rental can be handled by Farmers insurance agents.


Drivers working for rideshare companies such as Uber and Lyft will have coverage during periods upon which they are not covered by the company or personal insurance policies.

Loss of Use

Loss of use benefits can be used for public transit, rentals, taxis, and rideshare services to provide transportation while your car is being repaired. 

Guaranteed Value

Guaranteed value pays you a defined, agreed-upon value of your totaled vehicle. Commonly, owners of classic or collector cars opt for this coverage. 

Customized Equipment

Available on any vehicle with collision and comprehensive coverage. Customized equipment benefits will cover the cost to repair or replace aftermarket equipment such as infotainment systems and custom wheels

Personal Umbrella

This policy provides additional liability coverage above the limits of your auto policy which protects your assets from lawsuits. 

Glass Deductible Buyback

With glass deductible buyback benefits, your windshield repair and replacement are subjected to a low $100 deductible.

Full Windshield and Glass

You pay $0 out of pocket for glass repair and replacement with full windshield and glass coverage. 

Spare Parts 

A popular choice for owners of classic and collector cars, spare parts coverage pays up to $750 to replace spare parts you keep on hand. 

Original Equipment Manufacturer

Available on cars up to 10 years old, original equipment manufacturer coverage covers the cost of using factory-original parts for repairs resulting from covered accidents.

New Car Replacement 

If your car is totaled with the first 2 model years and 24,000 miles, you will be able to get a new car of the same make and model of your totaled vehicle.

Accident Forgiveness

Farmers Insurance will forgive one at-fault accident for every three years you drive without an accident. This keeps your premium from going up because of just one accident.

Multi-line Discounts 

When you combine your Farmer’s auto policy with any of the following Farmer’s policies: home, condo, renters, mobile home/ specialty dwelling, farmers specialty (motorcycle, boat, motor home, etc.), or life, you will receive a discount on your auto policy premium.

Signal by Farmers

Sign-up, download and use the signal app and you’ll receive a 5% discount on your auto policy. As a result, you may earn up to 15% at your next renewal. You can save even more if drivers under 25 enrolled on your policy are using Signal.

Business and Professional Group

Employees or retirees from approved occupation groups may be eligible for additional rate discounts. 

Distant Student 

If your child goes away to school more than 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount.


If you apply Farmers auto policies to more than one vehicle at your residence, you will receive this rate discount.

Youthful Driver

 Earn this discount when you add your child or grandchild under 25 to your policy. 

Planning Ahead Discounts 
Electronic Funds Transfer

Pay your premium with Farmers automatic electronic fund transfer and receive this additional discount


Own a home in Utah and you’ll earn this additional rate discount.

Pay in Full

Pay your entire term premium in one lump sum and your premium rates will decrease.

Classroom Discounts
Good Student

You may receive a good student discount on your auto insurance policy if your high school or college-aged student meets any of the following requirements:

  • Your high school student has at least a B average
  • Your college student has at least a 3.0 GPA
  • Student makes the Dean’s list or they are an Honor roll student
  • Student ranked in the top 20% of their class or in the top 20% in national standardized tests

In order to receive this discount, you must submit proof of eligibility (GPA, copy of report card, etc.)

Mature Driver

 Drivers 55 and older in Utah can lower their insurance rates even further when they take and complete a state-approved safe driver program. This discount lasts 3 years after completing the course. 

  • Accidents with animals are covered under both collision and comprehensive coverage.
  • Loss of use benefits for your car includes public transportation and other modes of transport besides rental cars. 
  • Comprehensive has an “or more” statement taking the coverage beyond weather and animal collision conditions. 
  • Farmers insurance offers both medical payments and personal injury protection.
  • Discounts percentages are disclosed with the description.
  • Farmers Insurance does not provide Gap coverage. 
  • Add-on vs. standard coverages are not specified. 


Standard Coverage
Bodily Injury Liability

This coverage pays for bodily injuries or death resulting from an accident in which you are at-fault.

Property Damage Liability

Property damage pays for repairs to someone else’s property when an accident is the insured’s fault. 

Medical Payments Coverage 

This coverage may pay medical expenses related to a car accident.

Personal Injury Protection (PIP)

PIP may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident.

Uninsured/Underinsured Motorist Coverages
Uninsured Motorist

 This coverage may help compensate you for your injuries or property damage caused by a driver without insurance.

Underinsured Motorist

Underinsured motorist benefits can protect you from at-fault drivers with insufficient insurance coverage to pay for your claims and injuries.

Vehicle coverages

Collision coverage may pay for damage to your car when it hits or is hit by another vehicle or object.


Comprehensive coverage may pay for damage to your car from theft, vandalism, flood, fire, or other covered losses.

Additional coverages 
Emergency Road Service

Emergency road service provides jump starts for dead car batteries, labor to change a flat tire, and lockout services up to $100. 

Rental Reimbursement

Reimbursement is subject to a daily limit of $25, and a total claim limit of $750. However, this coverage does not provide for gas, mileage, additional coverage, or any security deposit required by the rental company. 

Mechanical Breakdown Insurance

This insurance is available for new or leased cars less than 15 months old with less than 15,000 miles. However, you can renew this coverage for up to 7 years or 100,000 miles whichever comes first. After $250 on a covered loss, MBI covers repairs to all mechanical parts of the car (except maintenance, wear, and tear). 

MBI Exclusions
  • Tune-ups
  • Suspension Alignment
  • Wheel Balancing
  • Filters
  • Lubrication
  • Coolant and Fluids
  • Spark Plugs
  • Brake Pads and Linings
  • Brake Shoes
  • Tires
  • Intentional Damages
  • Misuse
  • Corrosion
  • Damage from Improper Maintenance
  • Mechanical Breakdown Insurance is available, however many exclusions apply.
  • Emergency road service and rental reimbursement limits are provided on the website. 
  • Emergency road service is limited to $100. 
  • Each coverage has a “may help cover” statement, leaving coverage ambiguous
  • The company is notoriously hard to work with after an accident. 


Standard Coverages
Accident Forgiveness (Only available with the advanced package)

To qualify for this benefit, you must have a clean driving record (without accidents or violations) for at least five consecutive years. 

Disappearing Deductible (Only available with the advanced package)

To qualify for disappearing deductible benefits, you must have a clean driving record for at least three consecutive years. 

New Car Replacement

Limitations Apply

12-month Rate Protection
Lifetime Renewability
24/7 Claim Service
Add-on Coverages
Roadside Assistance
Rental Reimbursement

Only available when you have comprehensive and collision coverage. If you opt to have rental car coverage, you’ll need to establish the daily limit you think you’ll need for your rental car. In other words, your chosen limit may restrict the types of vehicles you can rent before having to pay out of pocket. Furthermore, any differences between your coverage and the cost of the rental will have to be paid out of pocket. 

Medical Payments

Medical Payment helps pay for reasonable and necessary medical expenses resulting from a car accident including medical care, recovery, rehabilitation, and remedial care expenses. This coverage applies to everyone in your vehicle at the time of the accident. Also, this coverage extends to you and your family members as pedestrians. Medical payments may help cover dental care and funeral expenses resulting from the accident. 

Comprehensive Insurance with Full Glass

Comprehensive coverage helps pay for damages to your insured vehicle up to the cash value of the vehicle minus your deductible. This coverage includes damages from fires, theft, glass breakage, riots, windstorms, and hail. Also, vandalism, falling objects, and animal collisions fall underneath this coverage. 

Collision Coverage

Collision coverage can help cover costs to repair your vehicle regardless of fault. Accidents that fall under this coverage include rollovers, collision with objects, collision with other vehicles, and accidents involving rental cars. 

  • Collision coverage includes coverage for rental cars
  • Medical Payments includes dental coverage
  • You get to choose the limit for your rental car coverage
  • Barely any information available online for coverage options.
  • No listed Discounts
  • Personal Injury Protection isn’t mentioned on their site even though it’s provided with all auto insurance policies in Utah.
  • Comprehensive coverage has a deductible
  • Accident forgiveness and disappearing deductible are only offered to select insured members.

Liberty Mutual

Standard Coverage
Medical Payments 

Medical payments cover medical expenses, legal fees, lost income, pain and suffering, as well as bereavement costs from an accident. 

Bodily Injury Liability

Bodily injury liability covers others when you’ve caused an accident. This coverage includes any medical expenses, legal fees, lost income, pain and suffering, as well as bereavement costs.

Property Damage 

Property damage includes mailboxes, fences and other kinds of property as well as repairing or replacing someone else’s vehicle/property that you damaged in an accident. 

Add-on Coverage
Personal Injury Protection

Personal injury protection covers hospital bills, medication, prosthetics, and other expenses as a result of an accident. 

Uninsured Motorist 

Uninsured motorist protects the insured party against damages when the at-fault driver doesn’t have insurance. The limits of this coverage depend upon what you specifically choose for your policy. 


Collision repairs or replaces your car when it’s damaged in collisions with another vehicle or object. 


Comprehensive coverage repairs or replaces your car when it’s damaged in an incident other than a collision. Examples of damage covered by comprehensive include damage caused by storms, floods, fire, vandalism, and theft. 

Liberty Mutual Deductible Fund

This fund allows you to lower your deductible by $100 each year by paying just $30 annually as part of your premium. Each year your collision deductible decreases by $100. This fund value isn’t transferable and terminates upon non-renewal or cancellation.

Accident Forgiveness

With accident forgiveness, your rates won’t increase after your first accident. 

Lifetime Repair Guarantee

If you use an approved facility, Liberty Mutual will guarantee repairs for your car as long as you own it.

Better Car Replacement

If your totaled car is under one year old and has less than 15,000 miles. New car replacement will replace your totaled car with another that’s a model year newer and has 15,000 or fewer miles. 

Rental Car Reimbursement

If you have your car repaired at a Liberty Mutual approved repair facility, and allow them to arrange for the rental car, Liberty Mutual will pay your rental costs for as long as it takes to fix your car. 

Towing & Labor Benefits

These benefits ensure you won’t get stranded when something happens to your vehicle. These situations may include flat tires, dead batteries, running out of gas, getting locked out of your vehicle, as well as a tow. 

Auto Loan/Lease Gap

If your car is totaled and the car’s value is lower than the amount remaining on your loan, gap coverage will cover the remaining amount you owe. By having this coverage you will be able to avoid paying out of pocket for the difference between your car’s value and loan amount. 

Original Parts Replacement 

Original parts replacement allows you to replace any damaged parts to your vehicle with parts that meet the highest quality standards.

Teachers Car Insurance

This insurance provides extra protection for teachers’ cars and teaching materials. Damage or loss at school caused by vandalism, collision, stolen supplies or school property in your car fall under the protection of this policy.

Mexico Car Insurance

Liberty Mutual requires Mexico Car Insurance for all types of vehicles traveling across the border to Mexico. However, you can choose your policy limits including coverage limits and duration of the policy for the vehicle you’ll be traveling in. 

  • You can add and drop Mexico car insurance as you travel
  • Teachers car insurance is available
  • When you take your car to a Liberty Mutual approved repair facility and allow Liberty Mutual to arrange your rental, you’ll have your rental costs covered
  • Liberty Mutual requires Mexico car insurance when traveling to Mexico
  • States Personal Injury Protection as an add-on coverage when Utah state law requires PIP coverage on all insured vehicles.
  • You must take your car to a Liberty Mutual approved repair facility to receive rental car reimbursement benefits. 


Standard Coverage

Liability coverage applies to property damage and bodily injury.

Property Damage

Property damage safeguards your assets in the case of an at-fault accident. 

Bodily Injury

Bodily injury safeguards your assets when you’re found legally responsible for a covered accident.

Personal Injury Protection (PIP)

 PIP reimburses wage loss, medical expenses, and essential services incurred as a result of the accident, up to your policy limit.


Comprehensive covers repairs to your vehicle when physical damage occurs from non-collision related incidents such as theft, fire, vandalism, glass breakage, and animal collisions. 


Collision repairs your vehicle when physical damage occurs from collision with another vehicle or object. However, this coverage has a deductible. 

Uninsured/Underinsured Motorist (UIM)

Uninsured/Underinsured motorist coverage protects you when the at-fault party doesn’t carry insurance or doesn’t have enough coverage for your injuries and damages.

Property Damage UIM

This coverage helps pay for property damage to your vehicle when the other driver doesn’t have insurance or your expenses exceed their policy limits. 

Bodily Injury UIM

When the at-fault driver does not have insurance or your expenses exceed their policy limits, this coverage helps pay for expenses related to bodily injury.

Add-on Coverage
Accident Forgiveness

Accident forgiveness will protect you from premium rate increases following your first at-fault accident. This benefit does not require an accident-free period prior to receiving this benefit.

Roadside Assistance

You can receive fuel deliveries, lockout services, jump-starts, and more when you add roadside assistance to your policy. 

Good as New

 Good as new coverage may replace your vehicle with a new comparable vehicle when your previous vehicle is declared a total loss. Also, this coverage provides gap coverage for any amount you owe that’s above your car’s actual cash value. 

Rental Reimbursement

If you can’t drive your car due to an accident, this coverage helps you pay for a rental car or other transportation expenses.  


When you bundle your home and auto policies you can save an average of $710 per year. 


Join Nationwide’s usage-based insurance program that gives you feedback to help you make safer driving decisions to earn a discount. 


When you maintain an accident-free driving record, you’ll earn a discount. 

Good Student

Drivers ages 16-24 who maintain a B average or better are eligible for a discount. 

Defensive Driving

If you are 55 or older and you complete a state-approved safety course, you’ll receive a discount.


This discount applies when your vehicle is equipped with certain anti-theft devices. Proof of installed devices may be required.

Safe Driver

Nationwide rewards customers who are free of at-fault accidents and major violations. If you have at least 5 years of safe driving, you could be eligible for a more affordable car insurance rate.

Easy Pay Sign-up

Set up an automatic withdrawal from your bank account and get a one-time discount.

Affinity Member

Get a discount just for being a member of a qualifying organization. Nationwide is partnered with hundreds of organizations, including alumni associations, professional groups, sports groups, and special interest groups. 

Go Paperless

You’re eligible for a recurring discount when you go paperless.  

  • Accident forgiveness does not require a certain time period to be accident-free prior to receiving the benefit. 
  • Rental reimbursement benefits extend to rental cars. 
  • Nationwide has partnerships with various professional groups and organizations which provide an automatic discount to policies for members. 
  • Good as new coverage includes gap coverage as well as replaces the vehicle with a new comparable model.
  • Collision coverage comes with a deductible


Standard Coverage

Liability coverage protects you when you’re determined to be at fault for an accident. This coverage includes bodily injury and property damage.

Bodily Injury liability

Bodily injury liability pays medical bills and lost income when you injure someone in an auto accident, up to the limits of your policy. Also, this liability coverage includes payment for legal fees if your case goes to litigation.

Property Damage Liability

Property damage coverage pays for damage to someone else’s vehicle and/or property up to the limits of your policy. 


Comprehensive protects your vehicle against fire, theft, vandalism, animal collisions, glass breakage, as well as weather and acts of nature. A deductible applies to this coverage but you’re able to choose the amount. 


Collision pays to repair or replace your damaged vehicle if you collide with another object, including vehicles, curbs, trees, etc. Regardless of fault, you’ll be responsible for your policy deductible. This coverage includes payment for vet bills up to policy limits if your pet is injured in the accident. 

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist policies cover you and your passengers up to your limits when you’re in an accident and the at-fault party doesn’t have or doesn’t have enough insurance to cover the bills. 

Medical Payments

Medical payments will pay for medical and funeral expenses up to the limits of your policy. Your family members or passengers receive this coverage regardless of fault. Also, if you or your family are passengers in other vehicles, or hit by a car while you’re walking or riding a bike, you’ll still be covered by Progressive policy. 

Add-on Coverage
Roadside Assistance

Roadside assistance pays for towing services when your car breaks down for any reason.  You’ll be towed to the nearest repair facility of the mechanic of your choice when their establishment is within 15 miles of your vehicle. This coverage also provides lock-out service, flat-tire changes and fuel/fluid delivery if you run out of gas and more. 

Loan/Lease Payoff

Also known as gap insurance, loan lease payoff covers the difference between what you owe on your vehicle and what it’s actually worth (up to 25% of the actual cash value).

Rental Car Reimbursement

Rental car reimbursement pays for you to have a rental car after a covered accident. Typically, this reimbursement provides up to $30-$50 per day for the rental while your vehicle is in repair.

Custom Parts and Equipment Value

Custom parts and equipment insurance, repairs or replaces items that you add on to your car. For example, if you installed a stereo, navigation system, custom wheels, or even redid the paint job, you’ll receive repairs or replacement for those items in the case of a car accident. 


Rideshare coverage extends your auto insurance to cover you when logged into a ridesharing app and waiting for a trip request/customer. 

Deductible Savings Bank

This feature subtracts $50 from your collision and comprehensive deductible for every claim-free policy period. Auto policy periods last six months. 

Loyalty based discounts

 Save 5% on average when you have two or more policies with Progressive.


 Save up to 12% if you have more than one vehicle on your policy. 

Continuous Insurance

When you switch to Progressive, you don’t lose your longevity benefits from your previous company. You’ll also receive discounts for the time period you’ve been consistently insured without gaps or cancellations.

Driver-based discount
Good Drivers

Use their snapshot program to customize your rate based on your actual driving behaviors. The safer you drive, the more you can save. On average, clients receive a discount of $145.

Good Student

Add a student aged 22 or younger who maintains a B average or better and receive a discount. 

Distant Student Discount

If your full-time student is more than 100 miles from your residence and they don’t have a vehicle while at school, you’ll receive a discount.


Homeowners who have their auto insurance policy with Progressive receive a discount of about 10%. 

Quote and Buying Discounts
Online Quote

If you get a car insurance quote online prior to obtaining a Progressive insurance policy, you’ll receive a discount of up to 4%.

Sign Online

If you’re comfortable signing your documents online, you’ll receive a discount for up to 8.5%


Opt to receive your documents via email and you’ll receive a discount.

Pay in Full

Pay your six-month policy upfront and you’ll earn a discount. 

Automatic Payment

You can receive a discount for setting up automatic payments from a checking account*

*Automatic payment and pay in full discounts cannot be combined. 

  • When you switch to Progressive, you don’t lose your longevity benefits from your previous company. 
  • You’ll receive discounts for the time period you’ve been consistently insured without gaps or cancellations.
  • Medical payments covers you and your family even while walking or riding a bike.
  • Gap insurance only bridges the gap between the actual cash value of your car and the remaining lease value of up to 25% of the cash value of your totaled vehicle. 
  • Comprehensible coverage requires you to have a deductible.
  • The good student discount applies only to those aged 22 or younger. 


Standard Coverage 
Reimbursement for First Aid

All Safeco auto policies include up to $10,000 in coverage for reimbursement of first aid administered to others after an accident.

Accident Forgiveness

After a set number of years of accident and violation-free driving, you may qualify for accident forgiveness. With accident forgiveness, your premium rates won’t increase after your first accident.

Diminishing Deductible

Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or five years. 

Full Coverage Protection

Comprehensive insurance covers repairs or replaces your car if it is stolen, vandalized or damaged in some way other than a collision. This coverage includes loss or damage from fire, flood, falling objects, wind, hail, and collision with animals.


Collision coverage pays for repairs to your car for damage caused by an accident.

Roadside Assistance

Roadside assistance covers towing charges to the nearest qualified repair shop and other basic emergency services. You may also receive services for changing flat tires, delivering gas, oil or other essential fluids and even a locksmith to meet the needs of your situation. 

Rental Car Reimbursement

Rental car reimbursement helps pay for the cost of renting a car while yours is in the shop after a covered loss. This comes with a valet service in which a representative will arrive at your home or office with a rental vehicle for you to use. The driver will then bring your damaged vehicle to an authorized repair shop and deliver your repaired car back to you upon completion of repairs. 

Bodily Injury and Property Damage Liability

Bodily injury liability pays for hospital bills and medical care when you are determined to be at-fault for another’s injuries. 

Property Damage helps pay to fix someone else’s vehicle when you’re determined to be at-fault for an accident.

Personal Injury Protection

In Utah, Personal Injury Protection comes with every auto insurance plan. PIP provides a minimum of $3,000 to pay for medical care expenses including emergency treatment. Regardless of fault, PIP is available to you and your passengers. 

Uninsured/Underinsured Motorists 

Uninsured and underinsured motorist coverage pays for damages you are legally entitled to recover from a driver without insurance. Hit and runs, as well as amounts that exceed an at-fault driver’s insurance limits, come with this coverage.

Add-on Coverage
Emergency Assistance Package

This package includes all the benefits of roadside assistance (towing, gas services, etc.) plus coverage up to $100 for expenses and up to $500 for meals, lodging, and transportation if you’re involved in an accident more than 25 miles away from home. Also, the emergency assistance package covers personal belongings damaged in an accident or stolen from your car.


If your car is declared a total loss because of an accident or theft, loan/lease coverage helps pay for any differences between how much is left on your loan/lease and the depreciated street value for your car. 

Electronic Key and Lock Replacement

If your electronic keys are lost or stolen, they’ll be replaced at no extra charge and without a deductible, when you have this protection plan added to your policy. 

CD and DVD Replacement 

When your CDs, DVDs, videotapes, cassettes, or record collections sustain damage in a car accident or end up stolen from your vehicle, you’ll receive compensation with this add-on coverage. 

New Car Replacement 

If you’re the original owner of a car that is less than one-year-old that has been totaled or stolen, you can be compensated with the value of a comparable new car with new car replacement coverage. 

Audio-visual and Custom Equipment 

This coverage protects your audio, visual, and custom equipment that was not installed at the factory or dealership. Audio-visual systems and equipment, like a stereo or DVD player, must be permanently installed to receive this coverage. Custom equipment includes any part that modifies the appearance or performance of your car or truck, like a modified or custom engine, roll bars, lift kits, custom wheels, murals, and decals.

Pet Coverage

Upon injuries or death of your pet in a car crash, Safeco will assist in paying veterinary expenses or death benefits. 

Personal Property Coverage

When your personal belongings are damaged in an accident or stolen from your car, you’ll be reimbursed with this coverage. 

Get the Package Deal

Save up to 15% when you combine your home and auto insurance policies.

Be a Safe Driver

Safeco Safety Rewards are a collection of benefits, rewards, and discounts available to safe drivers who have a clean driving record, drive a safe car, or take an accident prevention course.

Take an Accident Prevention Course

Drivers aged 55 and up who successfully complete an approved accident prevention course may get a discount that lasts for three years.

Teen Safety Rewards

These rewards provide a collection of tools, benefits, and discounts to help your teen become a safer driver and help you manage the cost of adding a teen driver to your auto policy.

Drive Less. Pay Less

Save up to 20% with the Safeco low mileage discount if your car is in the driveway more than it is on the road.

More Than One Car

When you insure multiple cars on the same policy, you’ll receive a discount.

Deter Thieves 

You’ll qualify for an anti-theft devices discount when your car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative.

Anti-lock Brakes Discount

Cars equipped with a factory-installed four-wheel anti-lock braking system receive a discount.

Own Your Own Home

When you own and primarily reside in a single-family home, townhouse, condominium or mobile home, you qualify for significant savings on your auto insurance policy.

Increase Your Deductible

When you increase your deductible you can lower your monthly premium rate. However, when a loss occurs, you’ll have to pay a higher amount due to the increased deductible. 

Pay in Full

Pay your bill in full when you start or renew a policy instead of paying in monthly installments and you’ll get a discount. 

  • If any personal items are damaged in a car accident or stolen from your vehicle, you’ll be able to get compensation. 
  • Replacement of first aid materials comes with your policy. 
  • Discounts are defined on their website.
  • Pet coverage is available as an optional add-on.
  • Diminishing deductible comes with your auto policy. 
  • Rental reimbursement coverage comes with valet services.
  • Basic coverage includes bodily injury/property damage liability, personal injury protection and uninsured/underinsured motorist coverage.
  • Bodily injury/property damage liability, personal injury protection, and uninsured/underinsured motorist coverages are required to receive basic coverage. 

State Farm


Collision covers you if you’re in an accident with another vehicle, your vehicle collides with an object, or your vehicle hits an obstruction in the road. 


Comprehensive coverage helps compensate you for damages from theft, fires and explosions, weather conditions, and violence from civil unrest or riots. 


Liability coverage includes bodily injury and property damage. Bodily injury covers injuries to another person resulting from an at-fault accident. This coverage will pay bills associated with those injuries such as medical expenses, pain and suffering, and lost wages. Property damage covers damages to property including vehicle repair, house damages as well as landscaping damages. Liability will also cover you in court if you are sued. 

Car Rental Expenses

Car rental expenses pay up to the amount specified in your policy when your car is damaged by covered accidents. 

Travel Expenses

If your car isn’t driveable due to damage on your vehicle that occurred more than 50 miles away from your home you qualify for travel expense coverage. This coverage pays for meals, lodging, and transportation up to $500 for all covered individuals. A return trip will also be provided.

Rental Car

Rental car coverage repays you for deductible expenses up to $500 if you have an accident in a rental car. 

Uninsured Motorist

If you’re in an accident where the at-fault driver doesn’t have insurance, uninsured motor vehicle coverage helps pay for lost wages, medical expenses, pain and suffering, and related damages to your car. 

Underinsured Motorist

When you’re hurt in a car accident by someone who has liability insurance but your expenses exceed their policy limits, underinsured motorist coverage will help pay for the remaining expenses. This coverage also pays for lost wages, medical expenses, pain and suffering, and damages to your car. 

Medical Payments

Medical payments covers you, your passengers and your family in the case of a car accident. This coverage specifically provides funds for medical treatment related to auto accidents. You are also covered if you’re a pedestrian or a passenger in someone else’s car. However, this coverage cannot exceed your policy limit and does not include property damage.

Emergency Road Service

State Farm will cover costs for reasonable, emergency expenses including any of the following:

  • Up to one hour for mechanical labor costs at your breakdown site
  • Towing to the nearest repair location
  • Towing if the covered car is stuck on or immediately next to a public road, 
  • Cost for the delivery of gas, oil, battery or change of tire (but does not cover the cost of these items)
  • Locksmith labor 
Rideshare Driver Coverage

This coverage ensures that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy remain in effect when you’re working for a ridesharing company. 

Putting your personal policy deductible into effect even if you’re driving for a TNC (Transportation Network Company). If your personal policy deductible is less than your TNC deductible, you pay the lower amount. In the case of an accident, you’ll communicate directly with State Farm, not with your ridesharing company. 

Accident-Free Discount Save up to 25%

Once you and your car have been with State Farm for three consecutive years without any chargeable accidents during this period, you will receive a discount. This discount may increase over time if the policy remains in force and there continue to be no chargeable accidents.

Defensive Driving Course 

Utah drivers can save on applicable coverages by completing a driving course that meets the guidelines specified in Utah Code. This auto insurance discount applies in Utah when the principal driver of the vehicle (55 years or older) completes a defensive driving course and provides State Farm with a certificate of completion. This discount lasts for 3 years. 

Drive Safe & Save

Add the drive safe plan to your phone which documents your driving and you’ll start with a 5% discount. 

Good Driving Save up to 10%

You may be eligible to receive this auto insurance discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private-passenger vehicle that receives the discount must also be insured with State Farm. This discount may be applied once you have been a State Farm customer for three years. 

Good Student Save up to 10%

Drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following will receive a discount:

  • Ranked in the upper 20% of his or her class
  • Had a grade average of B or higher
  • Had a grade point average of 3.0 or higher
  • Made the Dean’s list or Honor Roll

Drivers who earned an associate’s degree or equivalent and have a qualifying scholastic record meeting one of the above requirements may be considered. Additionally, drivers who have earned a Bachelor’s degree with or without a qualifying scholastic record can receive this discount.

Home study students may be eligible if they submit evidence that they have taken certain national standardized tests, administered within the last 12 months and ranked in the upper 20%. Proof of eligibility is required when an application for insurance is submitted. 

Multiple Automobiles Save up to 20%

To receive this discount, you must meet all of the following criteria:

  •  There are two or more private-passenger automobiles, whose primary drivers reside at the same address. 
  • The vehicles are insured with State Farm. 
  • The owners of the vehicles reside in the household and are related by marriage, blood or adoption. 
  • For unrelated owners, they must jointly own the vehicles and both be designated as the insured on the policies. 
Multiple Line Save up to 17%

By combining qualifying State Farm home, renters, life, or health insurance with auto policies at State Farm, you may receive a discount. 

Passive Restraint

 1993 and prior vehicles equipped with a factory-installed airbag or other passive restraining systems that meet federal safety standards will receive an auto insurance discount. 

Steer Clear Safe Driver

Those under the age of 25 may receive this discount when they meeting the following conditions. They must have no at-fault accidents or moving violations for three years prior to the time of the discount. These drivers are also required to complete the State Farm Steer Clear Program. This program must be administered by a State Farm agent and includes watching a video presentation, reading a safe-driving magazine and completing a driver’s log to document driving experiences. 

Student Away

If you have a student under the age of 25 who resides at a school at least 100 miles away from home and they only drive your vehicle while at home, you’ll receive the student away discount.

Vehicle Safety

If your vehicle was made in 1994 or later, you could save up to 40% on medical-related coverage. This discount depends upon the make and model of the vehicle as well as the repair records of the vehicle. 

  • Comprehensive covers damage from violence or civil unrest, as well as house damages, and fallen tree removal (only applies if the property damage occurred as an auto accident casualty). 
  • Rideshare Coverage ensures that medical, emergency roadside assistance, and rental car reimbursement in your personal auto policy remain in effect when you’re working for a rideshare company.
  • Rental coverage comes with the policy as well as rental reimbursement.


Standard Coverage

Liability insurance covers bodily injury and property damage. If you cause an accident, hurt someone, or damage someone’s property, this coverage pays for damages. Liability also defends you in the case of a lawsuit resulting from an accident. Up to the policy limits, liability will cover hospital and medical bills, lost wages, pain and suffering, rehabilitation services, in-home health care services, legal fees, bail bonds, and court costs. 


Comprehensive protects you against theft or damages from theft, fire, vandalism, severe weather conditions, or animal impacts. The maximum comprehensive coverage payout is the cash value of your vehicle, minus the deductible amount you choose. If you have a loan or lease on your vehicle you must have this coverage. 


Collision covers your car if you hit, or get hit by, another car or object, or your car rolls over. The maximum payout for your claims is the actual cash value of your vehicle minus the deductible amount you choose. If you have a loan or lease on your vehicle you must have this coverage. 

Personal Injury Protection

 Personal Injury Protection pays for medical and hospital expenses, may pay for lost wages, and expenses for childcare or household-related expenses while you recover. It may also cover funeral expenses and provide survivor benefits. 

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist insurance covers you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have sufficient coverage. This coverage extends to you, your family, and your passengers. Also, as a pedestrian, if you are hit by an uninsured driver, you have coverage. 

Add-on Coverage
Loan/Lease/Gap Insurance

Gap insurance protects you if your vehicle is financed or leased at the time of an accident upon which your vehicle is totaled. This coverage pays the difference between the cash value of your car and the unpaid balance of the lease. 

Rental Coverage

Rental coverage can pay for a rental car if your car is damaged in a covered accident. However, your car must be out of commission for more than 24 hours. 

Roadside Assistance

Basic roadside assistance provides towing service up to 15 miles, as well as services such as a jump start, fuel delivery, flat tire change, and lockout assistance. 

Premium Roadside Assistance

Premium roadside assistance provides towing services up to 100 miles, as well as a jump-start, fuel delivery, flat tire change, and lockout assistance. Also, this coverage includes trip interruption coverage; meaning, you will be eligible for reimbursement of $200 a day to a max of $600 for meals and lodging. This reimbursement only applies if your breakdown occurs at least 100 miles from your home and your vehicle is out of commission for more than 24 hours. Premium assistance includes personal property coverage up to $500 to replace stolen or damaged personal property as well. 

New Car Replacement

If you total your car in the first five years, this coverage pays to replace it with a brand new car of the same make and model. 

Accident Forgiveness

 This benefit forgives one accident every 3 years, helping to protect your premium from isolated mishaps. Also, accident forgiveness includes minor violation forgiveness which forgives one minor violation every 3 years. 

Umbrella Insurance

Umbrella Insurance provides an extra $1-$10 million of liability coverage, which can help protect your assets.

Additionally, this insurance provides coverage for claims like libel, slander, defamation of character and invasion of privacy. Also, this insurance covers defense costs, attorney fees, lawsuit charges, and international occurrences. 


 Save up to 13% of your car insurance when you also purchase your home/condo insurance or other insurance policies from Travelers. 


 Save up to 8% when your household insures two or more cars with Travelers auto policies.

Home Ownership

 Save up to 5% on your car insurance if you own a home or condo, regardless of where you insure it. 

Safe Driver

 No accidents, violations or major comprehensive claims in your household for the past 3 years could save you up to 10% and up to 23% percent for 5 years. 

Continuous Insurance

Customers who have no gaps in their coverage are eligible for a discount of up to 15%.

Hybrid/Electric Vehicle Discount 

If you own or lease a hybrid or environmentally friendly car, you can receive a discount on your auto policy premium.

New Car Discount

When you purchase or own a car that is less than 3 years old, you may qualify for a discount of up to 10%

EFT, Paid in Full, and Good Payer Discount

 Discounts can be up to 7.5% if you pay your policy in full, 2-3% by paying through electronic funds transfer for payroll deductions or as much as 15% by consistently paying your premium on time. 

Early Quote Discount

 If you get an auto quote before your current policy expires and you transfer to Travelers Insurance you can get a discount of 3-10%.

Good Student Discount

Policyholders with drivers that are enrolled full-time in high school or college and maintain a ‘B’ average or better may qualify for an 8% discount.

Student Away at School

If one of your dependents goes to school at least 100 miles away and won’t be driving your cars, you may qualify for a 7% discount.

Driver Training

Save up to 8% for successfully completing an approved driver education course. 

  • New car replacement covers 5 years and doesn’t have a mileage limit, unlike other insurance companies. 
  • Travelers insurance lists their discounts.
  • Uninsured/underinsured motorist insurance covers you as a pedestrian.
  • The maximum comprehensive coverage payout is the cash value of your vehicle minus the deductible amount of your choice.
  • Your car must be out of commission for more than 24 hours to receive rental coverage. 


Standard Coverage

Collision covers damage from an accident or rollover. 


Comprehensive pays for damage to your car resulting from an incident other than a collision or rollover. This includes damages due to theft, fire, vandalism, flooding, and hail. 

Liability and Other Coverage

A combination of coverage options such as bodily injury, property damage, and uninsured motorist coverage. Generally, the coverage must be the same for all vehicles. Liability insurance includes bodily injury and property damage. Bodily injury provides protection if you are found legally responsible for the injury or death of another person resulting from a car accident. Property damage pays to repair the accident damage done to another person’s property. 

Personal Injury Protection

The minimum for Utah is $3,000, however, you can purchase a higher coverage limit. This protection helps pay for immediate care after a car accident.

Extended Benefits 

Extended benefits provide a specific death benefit, may cover wage loss and disability losses. 

Uninsured Motorist Bodily injury

Uninsured motorist bodily injury coverage pays for injuries to you and your passengers from an accident caused by a driver that has no insurance and protects you from a hit-and-run driver. The amount you choose for each vehicle on your policy must match.

Add-on Coverage
Roadside Assistance

Roadside assistance covers the cost of a tow, or repair your vehicle if your vehicle won’t run. It also includes services to unlock your vehicle, deliver gas, or change a tire. 

Rental Reimbursement

Rental reimbursement is an optional feature that pays the cost of a rental car (up to the class you choose) while your vehicle is being repaired due to a covered insurance claim.

Accident Forgiveness

 Remain accident-free for five years at USAA and your premium won’t go up after one at-fault accident. In some states, you may be able to purchase this feature. 

Safe Driver

If you maintain a good driving record for more than five years, you’ll be eligible for this discount. 

Defensive Driving

Improve your driving skills with an approved course and you’ll receive a discount.

Driver Training

Drivers younger than 21 can complete a basic driver training course to qualify for this discount. 

New Vehicle 

If your vehicle is less than 3 years old, you may qualify for the new vehicle discount. 


Extend your coverage to two or more vehicles and you’ll receive a discount. 

Annual Mileage

You’ll get a discount based on the number of miles you drive in a year.


You can get a discount of up to 60% when you store an insured car. 

Family Discount

If your parents have USAA insurance and you choose USAA as well, you could save up to 10% on your own policy.

Length of Membership Savings

You can save by keeping your policy with USAA. 

Military Installation Discount 

Save up to 15% on comprehensive coverage when you garage your vehicle on base. 

Good Student 

Maintain good grades.

  • USAA provides information regarding its discounts.
  • You can get a discount if your parents had USAA insurance as well. 
  • Military discounts.
  • You select the class of rental car for your policy coverage.
  • Uninsured motorist insurance doesn’t cover you as a pedestrian.
  • Discount information is very limited on their website.

Have you been in an auto accident? Call us now at 801-683-1948 to schedule a no-cost medical exam, a free thirty-minute massage, or a free legal consultation.

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