auto Insurance berglund insurance lehi ut

Auto Insurance

Get Utah Car Insurance Customized For Your Needs

At Berglund Insurance, we represent a carefully selected group of insurance carriers in order to provide the best car insurance coverage in Lehi, UT. Our independent agents will take time to learn about your personal auto insurance needs and craft policies that are right for you.

Auto insurance helps mitigate your financial loss in the event of an accident. It is a contract where you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.


Learning about the benefits and protections car insurance offers is easy. Speak to one of our licensed insurance agents to understand Utah car insurance requirements and get the protection you deserve.


There are several major types of coverage available for Utah auto insurance. Some of these coverage are optional. Liability insurance, however, is not. That being said, you do get to pick your liability limits once state minimums are met.

Utah Car Insurance Requirements


Liability Auto Insurance Minimum

  • $25,000 per person for bodily injury
  • $65,000 per accident for bodily injury
  • $15,000 per accident for property


Personal Injury Protection Minimum

  • $3000 per accident
commercial car Berglund Insurance Agency

The requirements above indicate the bare minimum insurance a driver must have to be on the road in Utah. However, to be fully protected, it’s wise to opt for coverage that protects your vehicle and protects you financially in the event of an accident. Read on for helpful Utah car insurance coverage definitions.


Liability Coverage:

This covers medical claims for people injured in a car accident (including passengers), property damage you cause, and legal costs if you are involved in a lawsuit.

Comprehensive Coverage:

This covers your vehicle in the event that it is stolen or damaged by anything other than a car accident. It can cover theft, natural disasters, vandalism, fire, or flood damage among other scenarios.

Collision Coverage:

This covers your car if you get into an accident. If you carry collision coverage, your insurer will pay to repair or replace your car in an accident. If you don’t, your insurer will pay for damage you cause to others, but you will be responsible for the damage to your own car.

Uninsured/Underinsured Motorist Coverage:

This pays for all your damages if you are in a car accident with someone who either has no insurance or who is underinsured. You, your passengers, and your vehicle are all protected. Utah state minimum uninsured/underinsured motorist coverage is $25,000 per person and $65,000 per accident.

Personal Injury Protection Coverage:

This policy option covers medical expenses that you or your passengers incur if you are involved in an accident.

Other Provisions:

Rental car insurance, which will pay for a rental car if your car is being repaired or replaced after an accident or other loss; GAP insurance, which will pay the difference between what you owe on your car loan and what your insurance deems as the replacement value of your car; and roadside assistance or towing coverage.

Need car insurance in Utah but are unsure what plan to pick? Contact Berglund Insurance for expert guidance.

What happens if I don’t have car insurance in Utah?


As mentioned above, the state of Utah expects drivers to abide by auto insurance requirements. Driving without insurance puts you and other drivers at risk. According to the Utah Motor Vehicle Division:


Failure to provide insurance or operator’s security is a Class B misdemeanor, for which the fine may not be less than $400 for a first offense; and $1,000 for a second and subsequent offense within three years of a previous conviction or bail forfeiture.


Of course, the costs of driving without insurance in Utah can be much higher in the case of accidents and injuries. Be sure to avoid legal penalties and potential financial strain by selecting a car insurance policy that meets your needs and your budget.

Utah Car Insurance Cost


Car insurance costs vary depending on multiple factors, including  where you live in the state of Utah. For example, car insurance in West Jordan and Lehi, Utah tends to be cheaper than in West Valley City. However, location is just one element at play.


Utah auto insurance costs depend on multiple factors including:

  • Vehicle make/model
  • Driver’s age
  • Driver level of risk
  • Coverage level
  • And more


To save on car insurance, it’s important to work with a skilled insurance team like the experts at Berglund Insurance. For a clear picture of what your personal car insurance premium would look like, get a free car insurance quote today!

Get the Utah Auto Coverage You Need Today


Bergland Insurance understands the needs of Utah drivers and works to get the best quotes to maximize coverage and minimize price.We also have the ability to write the auto insurance on branded title vehicles, meaning cars that have been salvaged, rebuilt or restored.


Whether you need insurance for a new driver or someone experienced behind the wheel, we’re here to make it happen.  Start by getting a free car insurance quote today!



Is The Language Of The Practical Life

The Berglund Insurance Agency

Our insurance agency is here to help you and your business. Whether it be requesting a quote on your car, business, or home, we can create a custom package that fits all of your needs. We’re your one-stop insurance shop in Lehi, UT.


From custom packages to a simple consult on what your insurance options are, we’ve got you covered with top rate insurance carriers such as Progressive, Safeco, Travelers, State Auto, Hagerty and many more!


We offer Same Day Auto Insurance and 24/7 online tools for better assistance. Feel free to Give Us a Call Today for your Free Quote and Ask for Our Discounts. We’re licensed in the following states: Utah, Arizona, California, Colorado, Florida, Idaho, Nevada, Tennessee and Texas.