Are You Fully Covered to Drive in Utah?
Car insurance can feel overwhelming, especially with Utah’s state requirements and real-life risks on the road. The law mandates minimum liability limits of $25,000 per person, $65,000 per accident for bodily injury, and $15,000 for property damage. But many drivers need higher limits to avoid paying out of pocket after a serious crash or injury. At B&B Insurance, we help you understand the difference between required and recommended coverage, so you can drive with true confidence.
Problems We Solve Every Day
Meeting Utah’s Auto Insurance Requirements
If you’re unsure about what the numbers mean or how much protection you really need, we’ll break it down in simple terms and help you choose liability, PIP, and optional coverages that fit your budget.
Protecting Your Car Against Local Hazards
From winter snow on I-15 to wildlife crossings and city parking lot dings, our policies help you stay protected against Utah’s unique risks.
Making Bundling Easy
Have a home or renters policy? We’ll help you bundle for savings and simplicity.
Covering Young and New Drivers
We help families add teen drivers and find discounts for good students, so you can protect your whole crew affordably.
Expanding Coverage for Motorcycles and ATVs
If you own more than one vehicle, we can cover everything from your commuter car to your adventure bike.
Common Coverage Mistakes We See
Relying on Utah’s minimum limits, which can leave you exposed to huge bills after a major accident.
Forgetting to add uninsured/underinsured motorist protection, especially with so many uninsured drivers on Utah roads.
Skipping collision or comprehensive coverage, risking major repair costs after theft, vandalism, or weather damage.
Missing out on discounts by not bundling auto with home or renters policies.
Overlooking personal injury protection (PIP), which is required but sometimes misunderstood.
How to Decide What You Need
Understand Your Risks
Think about where and how you drive — long commutes, family road trips, or city traffic all bring different risks.
Ask About Discounts
We look for ways to save you money, like safe driver, multi-car, good student, and bundle discounts.
Consider Your Assets
Higher liability limits can protect your savings, home, and more in the event of a serious accident.
Bundle for Convenience
Combining auto with home or renters insurance can simplify your coverage and save you time and money.
Rely on Local Advice
Our Riverton-based agents know what Utah drivers face, from icy roads to deer crossings — and we tailor your coverage for those realities.
Ready to Have This Handled for You?
Most people come to us after realizing online forms and 1-800 numbers just don’t deliver personal help. The next step is connecting with a local team that’s been protecting drivers across Riverton, Herriman, South Jordan, and Bluffdale for over 40 years. We’ll handle the details so you can focus on the road ahead.
What to Expect From Start to Finish
When you reach out for car insurance with B&B Insurance, you get clear advice from a local agent who listens and explains everything in plain language. We make quoting quick, guide you through discounts, and handle paperwork and claims support — so you’re never left alone, even after an accident.
Steps:
- Contact us by phone, online, or in person for your quote.
- We’ll compare rates and coverages from top insurers in Utah.
- Review options with you, explain discounts, and customize a policy.
- Help you with paperwork and proof of insurance.
- If you ever need to file a claim, your agent will help every step of the way.
Your Questions, Answered Clearly
What information do I need for an auto insurance quote?
Have your driver’s license, vehicle info (year, make, model, VIN), and details about your current coverage ready — we’ll walk you through the rest.
Is Utah a no-fault state, and what does that mean?
Yes, Utah requires personal injury protection (PIP) on every auto policy. This means your policy covers initial medical expenses regardless of who is at fault.
Can I get coverage above the state minimums?
Absolutely. We often recommend higher liability limits to truly safeguard you and your assets.
What discounts are available for auto insurance?
Safe driver, good student, multi-car, and bundle discounts can help you save — ask us which ones fit your situation.
What happens if I have an accident?
Call us directly. Your local agent will walk you through the claims process so you’re never left guessing.
Get Answers Before You Hit the Road Again
People across Riverton and the southwest Salt Lake Valley rely on B&B Insurance for local, personal help and the confidence that comes from the right coverage. Reach out today and see how easy it can be to protect your ride — and your peace of mind.