For many budget-conscious drivers, cheap car insurance salt lake city often means starting with liability-only policies. While this type of coverage meets Utah’s legal requirements, is it really enough protection for life on Salt Lake’s busy roads?

Liability insurance only covers damage or injury you cause to others. It won’t pay for repairs to your own car if you’re at fault or if you’re hit by an uninsured driver. With unpredictable weather, high-speed highways, and increasing traffic in the city, that leaves a lot of exposure.

If you drive an older vehicle or rarely hit the road, liability-only might make sense. But for daily commuters or anyone with a newer car, adding comprehensive and collision coverage can make a big difference—especially when you consider the potential out-of-pocket costs after an accident.

At the end of the day, liability coverage keeps you legal—but full protection keeps you secure.