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Is gap insurance required in Utah?

After driving for one winter in Utah in my Corolla, I’ve decided I need to upgrade to something with all-wheel drive. I’m currently shopping for a car, but I’m not sure what insurance products I need. Does Utah legally require gap insurance?

Eric Schad · Updated on Mar 20, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

The winters in

are something else, so a four-wheel or all-wheel drive vehicle definitely makes sense over a

. However,

gap insurance

is not required by law in Utah, so you don’t have to budget for it per se.

However, gap insurance may make sense depending on your financial situation. Gap insurance covers the difference between your

balance and the actual cash value of your vehicle if your car is totaled. If you don’t have the cash to pay that difference, gap insurance makes sense.

If you’re going to take out a car loan in Utah, your lender will require you to get

full coverage car insurance

. While this type of policy can get expensive, you have an ally in

.

Jerry is a licensed insurance broker and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year on car insurance.

MORE:

When your car is totaled and you don’t have gap insurance

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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