Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.
Get your Utah quoteCompare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteCoverage Types
Multi-Car Policy Structure
A multi-car policy puts two or more owned vehicles on one Utah policy, with each vehicle carrying its own coverage level and the entire policy earning the multi-car discount. Each vehicle must carry the state's liability minimum.
Adding a Vehicle to Your Policy
Adding a vehicle mid-term re-rates the entire Utah multi-car policy rather than adding a flat amount. The carrier recalculates the multi-car discount based on the new vehicle count.
Combining Household Policies
Merging two separate Utah policies into one multi-car policy earns the discount when all vehicles share the same policy and garaging address. Each vehicle retains its own coverage level.
Liability-Only Multi-Car Coverage
Each vehicle on a Utah multi-car policy can carry liability only—the state's $30,000/$65,000/$25,000 plus PIP minimum—while other vehicles on the same policy carry full coverage. The multi-car discount applies to the total premium.
Full Coverage Multi-Car Policy
Full coverage on a Utah multi-car policy adds collision and comprehensive to each vehicle's liability and PIP minimums. Each vehicle sets its own deductible, and the multi-car discount applies to the total premium.
Uninsured Motorist on Multi-Car Policies
Uninsured motorist coverage is optional in Utah but protects each vehicle on your multi-car policy when an at-fault driver lacks insurance. Each vehicle can carry its own UM limit.
