Auto Insurance

Discover a Broad Range of Car Insurance Solutions for Every Budget

ASA Insurance

Auto insurance in Utah is required by state law, and it protects you in the event of a collision. Finding affordable insurance is also important to ensure it fits in your budget and provides for your needs.

When shopping for car insurance, you must consider what type of coverage you need, how much and what deductible to use. Let ASA Insurance help you find coverage that fits in your budget.

Understanding Types of Coverage

Liability coverage is a requirement of state law, and you must carry a minimum policy. However, this amount may not cover all of your needs. When you speak with an agent from ASA Insurance, we can help you determine the amount of coverage you need. Liability insurance pays for the injuries to others or damage to others’ property when you are at fault for an accident.

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    Other types of coverage you may need include the following:

    • Collision – pays for damage to your car in a collision
    • Comprehensive – pays for damage to your car in other events, such as vandalism, theft, fire and animal collision
    • Uninsured/Underinsured Motorist – pays for injuries sustained when another person is at fault without adequate or any insurance coverage
    • Personal Injury Protection – also known as no-fault coverage, it pays medical expenses and loss of income; also pays for funeral expenses

    In addition, you may choose to add on other coverage components, such as towing and roadside assistance, as well as rental reimbursement. We can discuss the various coverage options and answer any questions you might have.

    Amount of Coverage Required

    How much coverage you need will depend on several factors. You are responsible for any costs over the amount of coverage you carry, which is why it’s important to consider your needs carefully.

    You will want to factor in how much you have in assets and how much you can afford for the premiums. When you sit down with us at ASA Insurance, we will go over the details together to help you find a policy you feel comfortable with.


    You can often save money on your premiums when you qualify for discounts. These discounts may vary, but often include the following:

    • Multiple vehicle discount – if you insure more than one vehicle
    • Multiple policy discount – savings for when you bundle auto insurance with homeowner’s insurance
    • Safe driver discount – premium reduction when you’ve taken a safe driving course
    • Good student discount – savings if you have a student driver with good grades
    • Non-drinking discount – if you abstain from alcohol
    • And many others!

    As part of your decision on purchasing auto insurance, you’ll decide how much of a deductible you want to maintain. While a higher deductible can lower your premium costs, you should consider how much you would want to pay out-of-pocket in a claim.

    Purchasing auto insurance is a necessary expense, and one that includes many factors. Talk to an agent at ASA Insurance to help you find the best combination of coverage, pricing and service. Call us today at 801-486-7463 to discover your options for having affordable auto insurance in Salt Lake City or anywhere you live in the state of Utah – we can help.

    Auto Insurance FAQs

    How much should I be paying for car insurance in Utah?
    The cost of car insurance in Utah varies based on a number of factors. For example, a basic liability policy will cost less than full coverage policy that includes comprehensive and collision insurance and offers more protection.

    The good news is, auto insurance in Utah tends to cost a bit less on average than it is throughout the rest of the United States. For a basic policy with just the state-required insurance in Utah, policies average about $332 per year. Alternatively, a full coverage policy costs an average of $1186. Keep in mind, these are just averages which mean many people pay more and many people pay less.

    It’s important to work with an experienced insurance company you trust that can help you find the right balance of cost and coverage in the appropriate policy for you.

    Why is car insurance so high?
    Car insurance rates vary based on a number of factors. These include: your driving history, the vehicle you drive, your age, where you live, common claims near where you live, industry trends, and many other things. Rates also go up over time simply because cars are worth more and there are more risks, drivers on the road, claims, and distractions than ever.

    If you’re wondering why car insurance rates are so high, it’s helpful to consider what you’re getting in return for your premium. For example, let’s say you pay $2000 a year for a full coverage policy. Then, you’re in a collision with resulting damages totaling more than $15,000. Your policy covers all of these damages except for the deductible.

    When you compare your premium to the potential costs of an accident or another costly event, these prices don’t seem as high.

    That being said, there are still many things you can do to help lower the cost of your insurance. First and foremost, maintaining a safe driving record for as long as possible.

    Here are some other options:

    Speaking to your insurance company about discounts you’re eligible for
    Taking an accredited safe driving course
    Paying annually rather than monthly
    Shopping around for the same or better coverage at a better price

    Does car insurance cover a stolen vehicle?
    If you only have the state-required minimum insurance in Utah, it will not cover a stolen vehicle. Instead, you’ll want to have comprehensive insurance coverage on your policy. It can cover the costs associated not only with vehicle theft, but also a number of other damages, including storm damage, vandalism, and damage from falling objects.
    Who has the cheapest car insurance in Salt Lake City?
    ASA Insurance offers some of the cheapest car insurance in Salt Lake City. However, we encourage you to consider what you’re getting in exchange for very low car insurance payments. You want to be sure you’re striking the right balance of a price you can afford with a policy that offers you adequate protection. At ASA Insurance, we’re experts at striking this balance and we look forward to doing the same for your policy.
    How much auto insurance do I need in Utah?

    This is a great question to ask! It’s also important to consider what is legally required versus what provides you with the protection you need to save you from extreme financial hardship if you were to go without coverage.

    In Utah, these are the state-required auto insurance minimums your policy must include:

    • $25,000 in liability coverage for bodily injury per person
    • $65,000 in liability coverage for bodily injury per accident
    • $15,000 in liability coverage for property damage
    • $3,000 for personal injury protection as a no-fault state
    • If a driver decides to purchase underinsured or uninsured motorist coverage, it is required by Utah law to have at least $25,000 per person and $50,000 per accident.

    However, most drivers benefit from also adding comprehensive and collision insurance coverage to their policy, otherwise they’re left paying for their own damages from their own pocket.

    Does my auto insurance cover rental cars?
    In most cases, the answer is yes, auto insurance does cover rental cars. However, this isn’t a hard and fast rule which means it’s incredibly important to contact your insurance company first if you plan to forgo the insurance coverage offered at the rental car counter. Otherwise, if you’re in an accident or something else happens, you might be left without coverage.
    How do car insurance deductibles work?
    Car insurance deductibles came about as a way to split some of the risk between policyholders and insurance companies. Essentially, they act as a safeguard that prevents drivers from making unnecessary claims because they know they’ll need to make a payment from their own pocket in order to receive compensation from an insurance company.

    Let’s say your deductible is $500. This means, if you make a claim, you will need to pay $500 before your coverage kicks in and your insurance covers the rest of the damage. So, if your total damages are $10,000, you would be responsible for paying the $500 deductible, and your insurance policy would cover the remaining $9,500.

    How much is car insurance for an 18-year-old?
    Car insurance for an 18-year-old in Utah tends to cost more than it would for a 45-year-old driver, for example. This is true for a few reasons. For starters, drivers between the ages of 18-25 are statistically more likely to be in a car accident than older drivers. Further, young drivers haven’t had the time to build up years of a safe driving record that results in lower premiums.

    All of that being said, there are still plenty of ways to get an affordable car insurance policy for an 18-year-old, and we look forward to helping you find one!

    Does car insurance cover theft?
    If your vehicle is stolen and you only have the legally required auto insurance in Utah, theft is not covered. For auto theft to be covered, you will need to have comprehensive insurance on your policy which is something that’s beneficial for most drivers.
    What does full coverage car insurance cover?
    In Utah, full coverage car insurance means a policy includes not only the legally required state minimums, but also includes comprehensive and collision coverage.

    Collision coverage, as its name suggests, is meant to cover the damages resulting from collisions, including single and multi-vehicle collisions and vehicle rollovers.

    Comprehensive coverage covers just about everything else not relating to collisions, including theft, vandalism, storm damage, and damage from falling objects.

    We’re Not That Far Away!

    For all of your commercial property insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1949, and we look forward to doing the same for you.