2020 Comparison Tables - Utah Insurance Department
2020As required by law, the Utah Insurance Department has prepared this guide to autoand homeowners insurance. This annual guide provides general information aboutauto and homeowners insurance, and about some of the insurance companies thatwrite this coverage in Utah. It is hoped this will be helpful to you.State of UtahInsurance DepartmentTodd E. KiserCommissioner3110 State Office BuildingSalt Lake City, UT 84114(801)538-3800(800)439-3805 (toll free in Utah)http://www.insurance.utah.gov2020 AnnualPrivate Passenger Automobile & HomeownersInsurance Comparison TablesThe comparison tables provide examples of four zip codes in Utah. The zip codes used in the comparison samplesare; 84321- Logan, 84044- Magna, 84078- Vernal, and 84721 – Enoch. Look at the comparisons for the zip codethat is most similar to where you live. A comparison table of earthquake premium is located on page 7.The insurance companies providing information for this comparison are the top 20 companies based on the highestvolume of homeowners and private passenger auto insurance premiums in Utah. This list is NOT A"RECOMMENDATION" by the Insurance Department. Your insurance professional can provide you with apremium quote to fit your circumstances. Consumers are cautioned that price is not the only factor to consider whenchoosing an insurance company. You should also consider the service provided by the company and the agent, thefinancial stability of the company, as well as the available coverages. Most insurers use their own credit criteria todetermine premium and eligibility. Your premium will also vary based on eligible credits and/or discounts,surcharges, and additional coverages you select. Your insurance professional can advise you about additionalcoverages, available credits and/or discounts for your situation. If you decide to change companies make sure thecoverage is the same or better. To avoid possible early cancellation charges, the best time to change companies is onyour renewal date. Check with your current company to determine potential additional amounts owed and earlycancellation charges.Loss & Expense RatiosIn general terms, the loss ratio is, losses paid compared to premiums. The expense ratio is, administrative expensecompared to premiums. The combined loss and expense ratio is, losses paid combined with administrative expensescompared to premiums. If the combined loss and expense ratio is more than 1.000 it means the company has paid outmore for claims and expenses than it collected in premiums. Example: a ratio of 1.150 means the company paid out 1.15 for every 1.00 of premium received.Complaint RatioBy statute the Utah Insurance Department is required to calculate a complaint ratio for each company in the table.Showing a ratio rather than the actual number of complaints levels the playing field between the companies.Companies with a larger portion of the market are expected to have more complaints than companies with a smalleramount of the market. Comparing the number of complaints is like comparing apples to oranges. The ratio gives acomparison of apples to apples. The Department reviews complaints from consumers to determine whether therewas a violation of Utah Code or Rules. Complaints opened in 2019, determined to be valid, are used to calculate thecomplaint ratio for each company. The ratio calculation is based on the valid complaints per 100,000 of earnedpremium.This is how a complaint ratio is calculated for a sample company with 10 complaints and 20,000,000 earned premium:Step 1: 20,000,000/100,000 200Step 2: 10 200 0.0500 (complaint ratio per 100k earned premium, similar to ratios shown in the tables)Reversing the formula shown will give the actual number of complaints for a company.Step 1: 20,000,000/100,000 200Step 2: 0.0500 x 200 10 (number of complaints calculated by reversing the formula)1
HOMEOWNERS INSURANCEHomeowner premiums can vary according to the age of the home, location, condition and your credit information.Eligibility requirements and premium for coverage may be determined by previous loss experience and age of thedwelling. Other factors may also be considered.Your home policy consists of these types of coverage: your home (dwelling), the contents, and your liability toothers. For more definitions of coverage types and optional coverages see page 6.Our comparison table shows three types of homeowners policies:1) Homeowner: the most common owner-occupied homeowners policy insuring the dwelling,personal property and liability of the owner.2) Renters: insuring the personal property and liability of tenants.3) Condominium Unit Owner: insures personal property and liability of the unit owner. Coverage shouldinclude the association’s insurance deductible for which the unit owner is responsible. [U.C.A. 57-8-43]The examples included in this comparison assume that the dwelling is ten years old and located in a fire protectionclass of one through six. Unless otherwise noted, the policy has a 1000 deductible. The personal liability limit is 300,000. Medical payment limit is 1,000. Higher limits may be available through your insurance company. TheDepartment of Insurance does not recommend limits of coverage. No discounts or special coverages are included.(The Insurance Department Does Not SET Homeowners Insurance Rates.)2020 Annual Homeowners Insurance Comparison TablePremium for 1-year policy (2019 rates)Insurance CompanyState Farm Fire & Cas CoBear River Mut Ins CoFarmers Ins Exch(a)Auto Owners Ins CoFire Insurance Exchange Allstate Vehicle & Prop Ins Co Liberty Ins CorpAllstate Prop & Cas Ins Co United Services Auto Assn(b)Farm Bureau Prop & Cas Ins Co(c)USAA Cas Ins Co(d)Safeco Ins Co of AmericaCSE SafeGuardAmerican Family Mutual Ins co of SI Allstate Indemnity Co Travelers Home & Marine Pacific Indemnity Co(e)Allstate Ins Co Metropolitan Grp Prop & Cas Ins CoNationwide Affinity Ins CoHome 250,000BrickHome 250,000Frame 873392523931 ah)ComplaintRatio per100K ofEarnedPremium #Nat'lComb.Loss &Exp.Ratio 146110 2255336228417189302163268287426290 10.7971.0741.0580.8650.9440.8770.8590.9571.020#For an explanation of how the complaint ration is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it. These companies do not offer earthquake insurance. The other companies, or an affiliate, have an earthquake productavailable.(a) Deductible is 2,500.(a) Uses a different form, coverages differ.(c) Uses a lower other structures limits.(d) Specific eligibility requirements. Generally restricted to military officers and their families.(e) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(f) Medical Payment limit is 25,000.2
Homeowners Table (continued)Premium for 1-year policy (2019rates)Zip Code 84044 MagnaInsurance CompanyState Farm Fire & Cas CoBear River Mut Ins CoFarmers Ins Exch(a)Auto Owners Ins CoFire Insurance Exchange Allstate Vehicle & Prop Ins Co Liberty Ins CorpHome 250,000BrickHome Utah)ComplaintRatio per100K ofEarnedPremium #Nat'lComb.Loss &Exp.Ratio 834 925 179 342 73518670Allstate Prop & Cas Ins Co 1,1521,242United Services Auto Assn(b)1,7751,64747358115,683,9310.0000.945Farm Bureau Prop & Cas Ins Co(c)96597324918413,819,8460.0000.911USAA Cas Ins Co(d)2,0491,81345851313,193,8990.0000.951Safeco Ins Co of America9821,03313119713,171,4740.0000.797CSE .0000.86510,380,7440.0000.944American Family Mutual Ins co of SI Allstate Indemnity Co Travelers Home & MarinePacific Indemnity Co (e)Allstate Ins Co 35,3440.0000.859Metropolitan Grp Prop & Cas Ins Co8139743124417,061,6330.0000.957Nationwide Affinity Ins Co6716801592786,681,3610.0001.020#For an explanation of how the complaint ration is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it. These companies do not offer earthquake insurance. The other companies, or an affiliate, have an earthquake productavailable.(a) Deductible is 2,500.(b) Uses a different form, coverages differ.(c) Uses a lower other structures limits.(d) Specific eligibility requirements. Generally restricted to military officers and their families.(e) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(f) Medical Payment limit is 25,000.3
Homeowners Table (continued)Zip Code 84078 VernalPremium for 1-year policy (2019 rates)Insurance CompanyState Farm Fire & Cas CoBear River Mut Ins CoFarmers Ins Exch(a)Auto Owners Ins CoFire Insurance Exchange Allstate Vehicle & Prop Ins Co Liberty Ins CorpHome 250,000BrickHome Utah)ComplaintRatio per100K ofEarnedPremium #Nat'lComb.Loss &Exp. Ratio 991 1,101 169 321 3Allstate Prop & Cas Ins Co 725810United Services Auto Assn(b)1,4761,43642652715,683,9310.0000.945Farm Bureau Prop & Cas Ins Co(c)1,0711,08125419113,819,8460.0000.911USAA Cas Ins Co(d)1,7731,58241047513,193,8990.0000.951Safeco Ins Co of 97CSE SafeGuard34037318425513,117,1990.0001.074American Family Mutual Ins co of SI 69069124242011,725,9730.0001.058Allstate Indemnity Co 72483317424611,228,7940.0000.865Travelers Home & Marine 10,380,7440.0000.944Pacific Indemnity Co(e)1,0371,0374172689,648,8070.0000.877 7128171892878,535,3440.0000.859Metropolitan Grp Prop & Cas Ins Co8389832793967,061,6330.0000.957Nationwide Affinity Ins Co7157251592856,681,3610.0001.020Allstate Ins Co#For an explanation of how the complaint ration is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it. These companies do not offer earthquake insurance. The other companies, or an affiliate, have an earthquake productavailable.(a) Deductible is 2,500.(b) Uses a different form, coverages differ.(c) Uses a lower other structures limits.(d) Specific eligibility requirements. Generally restricted to military officers and their families.(e) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(f) Medical Payment limit is 25,000.4
Homeowners Table (continued)Zip Code 84721 EnochPremium for 1-year policy (2019 rates)Home 250,000BrickHome Utah)ComplaintRatio per100K ofEarnedPremium #Nat'lComb.Loss &Exp.RatioState Farm Fire & Cas Co 904 1,004 169 321 99,369,7300.0000.954Bear River Mut Ins 26,4420.0000.906Insurance CompanyFarmers Ins Exch(a)Auto Owners Ins CoFire Insurance Exchange Allstate Vehicle & Prop Ins Co Liberty Ins Corp752773859853256427499587Allstate Prop & Cas Ins Co United Services Auto Assn(b)1,5341,47146959315,683,9310.0000.945Farm Bureau Prop & Cas Ins Co (c)1,0801,08924818713,819,8460.0000.911USAA Cas Ins 622113,171,4740.0000.797(d)Safeco Ins Co of AmericaCSE SafeGuard35238618425513,117,1990.0001.074American Family Mutual Ins co of SI 66466523840811,725,9730.0001.058Allstate Indemnity Co 74381017425311,228,7940.0000.865Travelers Home & Marine 10,380,7440.0000.944Pacific Indemnity Co(e)1,0371,0374172689,648,8070.0000.877 7348021892878,535,3440.0000.859Metropolitan Grp Prop & Cas Ins Co8389832793967,061,6330.0000.957Nationwide Affinity Ins Co7247311622866,681,3610.0001.020Allstate Ins Co#For an explanation of how the complaint ration is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it. These companies do not offer earthquake insurance. The other companies, or an affiliate, have an earthquake productavailable.(a) Deductible is 2,500.(b) Uses a different form, coverages differ.(c) Uses a lower other structures limits.(d) Specific eligibility requirements. Generally restricted to military officers and their families.(e) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(f) Medical Payment limit is 25,000.5
Common Coverages in a Homeowners PolicyDwelling – Covers damage to your house and structures attached to your house. (Coverage A)*Other Structures – Pays for damage to fences, sheds, unattached garages and other structures not attached to yourhouse. (Coverage B)*Personal Property – Reimburses you for the value of your possessions, including furniture, electronics, appliancesand clothing, damaged or lost. They may be covered even when the items are not at your house. (Coverage C)*Loss of Use – Covers your additional living expenses, above your normal costs, while your home is being repaired.(Coverage D)*Personal Liability – Covers your financial loss against a claim of lawsuit and found legally responsible for injuriesor damages to another person. (Coverage E)*Medical Payments – Pays for medical bills for people hurt on your property or hurt by your pets. (Coverage F)**Indicates coverage name or reference used by many companies.Optional Homeowners Coverage/PoliciesSewer Back Up – This is not covered under the standard policy. Sewer back up coverage can be added to yourpolicy by an endorsement.Earthquake Coverage - The standard homeowners, condominium and renters policies will not cover earthquakedamage. Many companies will add this coverage as an endorsement with additional premium to your existing policyor you may purchase it as a separate policy. If your company does not offer earthquake coverage you may get itthrough another company. This coverage will have a separate deductible. The average rate per 1,000 in value(based on a 10% deductible) is 3.76 for a brick dwelling and 1.87 for a frame dwelling, structure only. For moreinformation and an exact quote, contact your insurance professional. Earthquake covers landslide, but only iftriggered by the earthquake. See the next page for a comparison of earthquake premiums for the same home used inour 2020 scenario.Flood Insurance Policy – The standard homeowners, condominium and renters policies will not cover damage dueto flood. If you live in a designated flood zone you may be required to buy flood insurance. However, you mayconsider buying a flood policy if your home could be flooded by an overflowing creek, melting snow or waterrunning down a steep hill, or unusual and rapid accumulation or runoff of surface waters from any source. You maypurchase a flood policy through your insurance professional or directly from the Federal Flood Insurance Program.(www.floodsmart.gov) In most situations, there is a 30-day waiting period before coverage takes effect.Difference in Conditions Policy - These policies provide catastrophe coverage not normally included inhomeowners policies. Earthquake, landslides and flood coverage are included in these policies. Contact yourinsurance professional for information regarding this type of policy.Landslide – Landslides are not covered by homeowner policies. Coverage cannot be added to your policy except asnoted above as a Difference in Conditions Policy or in an Earthquake endorsement or policy under specificcircumstances.It is always important to understand the policy and the coverage it affords. The Department recommends you reviewyour insurance needs and the coverages available through various types of policies prior to purchase. We suggest youreview your policy when you receive it and ask your insurance professional questions about anything you do notunderstand.The Department advises consumers to have an annual check-up with their insurance professional.6
2020 Annual Earthquake Comparison TableThe following comparisons are earthquake premiums from companies included in the homeowner table thatoffer earthquake insurance. The scenario is for a 250,000 home. The premium is based upon a 10%deductible ( 25,000) unless otherwise noted. For more information and an exact quote for your homecontact your insurance professional.Insurance CompanyState Farm Fire & Cas 4721BrickEnoch84721Frame 406 283 508 361 313 226 396 248Bear River Mut Ins Co426426426426Farmers Ins s Ins 15028821771278256638448826580493346563396Liberty Ins Corp(a)United Services Auto AssocFarm Bureau Prop & Cas Ins Co(b)USAA Casualty Ins CoSafeco Ins Co Of America(a)25202571253525861500155216881740CSE Safeguard Ins Co(c)250250250250250250250250American Family Mut Ins Co SI(a)95595712311233918920893894Pacific Indemnity Co(d)Metropolitan Ins 29911376A blank cell indicates this company is no longer writing this type of policy as new business.(a) This company uses a 5% deductible(b) This company uses a 15% deductible(c) Coverage only available with specific policy types7
AUTOMOBILE INSURANCEAuto insurance premium varies based on many factors, which may include the vehicle type, age, garaging location andannual miles driven. The auto premium is also based on the driver's record, age, gender, credit information, homeownership, and additional coverages selected. Additional factors considered in the premium rating include marital status,how the car is used, longevity with the company and years without incidents. The number of autos in an area, trafficcongestion and average number of auto accidents in a particular location play an important role in premiumdeterminations. Premiums in metropolitan areas tend to be higher for these reasons. The following may help lower yourauto insurance premiums: drive safely, compare companies’ premiums, higher physical damage deductibles, insure allvehicles under one policy, buy packaged policies, and look for possible discounts.All licensed drivers who reside in the household need to be listed on the policy. Please check with your insurancecompany regarding their requirements.[U.C.A. 41-1a-1101(2)(a)] allows law enforcement officers to impound uninsured vehicles.The vehicle used in our comparisons is 2018 Mitsubishi Outlander SEL S-AWC. The examples listed in the autocomparison assume that the driver has a clean driving record, mid-range credit information, and drives to work between 3& 15 miles one way. The Department of Insurance does not recommend limits of coverage. Check with the company forlimits available that will fit your circumstances. For more definitions of coverages see page 12 of this table.Unless otherwise noted, the coverages quoted in our examples provide for the following limits of insurance: Bodily Injury: 50,000 Per Person / 100,000 Per Accident / Property Damage: 50,000 Per Accident Uninsured Motorist Bodily Injury: 50,000 Per Person / 100,000 Per Accident Underinsured Motorist Bodily Injury: 50,000 Per Person / 100,000 Per Accident Personal Injury Protection: 3,000 Optional Physical Damage limits are: Comprehensive: 500 deductible / Collision: 500 deductible(The Insurance Department Does Not SET Automobile Insurance Rates.)2020 Annual Auto Insurance Comparison TableZip Code 84321 LoganPremium for 6-month policy (2020 rates)Insurance CompanyState Farm Mutual Auto Ins CoAllstate Fire & Casualty Ins CoGEICO Cas CoMid- Century InsBear River Mutual Ins CoProgressive Direct Ins CoProgressive Classic Ins CoAuto Owners Ins CoLM General Ins CoFarm Bureau Ins CoSafeco Ins Co of ILUSAA Cas Ins CoStandard Fire Ins CoUnited Services Auto AssocCSAA Ins CoProgressive AdvantageMetro Group Prop & Cas Ins CoViking Ins Co of WIAmerican Family Mut Ins CoAllstate Ins Co***(a)(b)(c)*SingleMaleAge 20SingleFemaleAge 20MarriedCoupleAge 39SingleMale/FemaleAge 39MarriedCoupleAge 66EarnedPremiums(UTAH)ComplaintRatio Per100K ofEarnedPremium #Nat'lComb.Loss &ExpenseRatio 19221,3098771,5759232,2452,763 98071,1307691,4308922,0092,702 256971,273 723657 / 700483 / 5501150 / 1226497 / 465507 / 571519 / 5647021200 / 1441664 / 744840 / 844438 / 435644 / 622442 / 438812 / 742497 / 559861 / 8381488 / 1956 766561,079 0.859#For an explanation of how the complaint ratio is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it.* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The othercompanies may have affiliated companies that may offer coverage for non-standard risks.(a) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(b) Specific eligibility requirements. Generally restricted to military officer and their families.(c) Available to Employer sponsored groups. Rates vary by group.8
Automobile Table (continued)Zip Code 84044 MagnaInsurance CompanyState Farm Mutual Automobile Ins CoAllstate Fire & Casualty Ins CoGEICO Cas Co*Mid- Century InsBear River Mutual Ins CoProgressive Direct Ins Co*Progressive Classic Ins Co*Auto Owners Ins CoLM General Ins CoFarm Bureau Ins CoSafeco Ins Co of ILUSAA Cas Ins Co(a)Standard Fire Ins CoUnited Services Auto Assoc(b)CSAA Ins CoProgressive AdvantageMetro Group Prop & Cas Ins Co(c)Viking Ins Co of WI*American Family Mut Ins CoAllstate Ins CoPremium for 6-month policy (2020 rates)SingleMaleAge 20SingleFemaleAge 20MarriedCoupleAge 39SingleMale/FemaleAge 39MarriedCoupleAge 66EarnedPremiums(UTAH)ComplaintRatio Per100K ofEarnedPremium #Nat'lComb.Loss &ExpenseRatio 1,9611,2051,6221,1221,7611,1382,5773,600 1,7751,0491,3829791,6021,1002,3093,529 237961,611 967783 / 845655 / 7511395 / 1486627 / 585593 / 682651 / 7038181,511902 / 10111031 / 1040553 / 550775 / 747547 / 544879 / 807579 / 664977 / 9581869 / 2014 637571,412 0.859#For an explanation of how the complaint ratio is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it.* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The othercompanies may have affiliated companies that may offer coverage for non-standard risks.(a) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(b) Specific eligibility requirements. Generally restricted to military officer and their families.(c) Available to Employer sponsored groups. Rates vary by group.9
Automobile Table (continued)Zip Code 84078 VernalInsurance CompanyState Farm Mutual Automobile Ins CoAllstate Fire & Casualty Ins CoGEICO Cas Co*Mid- Century InsBear River Mutual Ins CoProgressive Direct Ins Co*Progressive Classic Ins Co*Auto Owners Ins CoLM General Ins CoFarm Bureau Ins CoSafeco Ins Co of ILUSAA Cas Ins Co(a)Standard Fire Ins CoUnited Services Auto Assoc(b)CSAA Ins CoProgressive AdvantageMetro Group Prop & Cas Ins Co(c)Viking Ins Co of WI*American Family Mut Ins CoAllstate Ins CoPremium for 6-month policy (2020 rates)SingleMaleAge 20SingleFemaleAge 20MarriedCoupleAge 39SingleMale/FemaleAge 39MarriedCoupleAge 66 6079841,4279581,5929962,2462,383 631,2468421,4459581,9942,333 677021,110 742741 / 790553 / 6231048 / 1107600 / 524555 / 619486 / 5226851182 / 1107790 / 886920 / 916470 / 466703 / 678487 / 482836 / 760545 / 605872 / 8411297 / 1395 08651927Earned Premiums(UTAH)ComplaintRatio Per100K ofEarnedPremium #Nat'lComb.Loss &ExpenseRatio 0.859#For an explanation of how the complaint ratio is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it.* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The othercompanies may have affiliated companies that may offer coverage for non-standard risks.(a) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(b) Specific eligibility requirements. Generally restricted to military officer and their families.(c) Available to Employer sponsored groups. Rates vary by group.10
Automobile Table (continued)Zip Code 84721 EnochInsurance CompanyState Farm Mutual Automobile Ins CoAllstate Fire & Casualty Ins CoGEICO Cas Co*Mid- Century InsBear River Mutual Ins CoProgressive Direct Ins Co*Progressive Classic Ins Co*Auto Owners Ins CoLM General Ins CoFarm Bureau Ins CoSafeco Ins Co of ILUSAA Cas Ins Co(a)Standard Fire Ins CoUnited Services Auto Assoc(b)CSAA Ins CoProgressive Advantage Ins CoMetro Group Prop & Cas Ins Co(c)Viking Ins Co of WI*American Family Mut Ins CoAllstate Ins CoPremium for 6-month policy (2020 rates)SingleMaleAge 20SingleFemaleAge 20MarriedCoupleAge 39SingleMale/FemaleAge 39MarriedCoupleAge 66EarnedPremiums(UTAH)ComplaintRatio Per100K ofEarnedPremium #Nat'lComb.Loss &ExpenseRatio 4519141,2078761,5309862,0762,500 011,0487691,3909421,8502,451 536471,167 668651 / 697554 / 626965 / 1038497 / 466538 / 603453 / 4876181414 / 1349648 / 726812 / 811436 / 433600 / 581444 / 440802 / 733530 / 590800 / 7781361 / 1462 606982 0.859#For an explanation of how the complaint ratio is calculated see page 1 of this document.A blank cell indicates this company is no longer writing this type of policy as new business. An affiliated company may write it.* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The othercompanies may have affiliated companies that may offer coverage for non-standard risks.(a) Specific eligibility requirements. Generally restricted to enlisted military personnel and ex-dependents of USAA members.(b) Specific eligibility requirements. Generally restricted to military officer and their families.(c) Available to Employer sponsored groups. Rates vary by group.11
Coverages in an Auto PolicyRequired by Utah LawBodily Injury Liability – Pays for injuries to another person f
write this coverage in Utah. It is hoped this will be helpful to you. 2020 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables The comparison tables provide examples of four zip codes in Utah. The zip codes used in the comparison samples are; 84321- Logan, 84044- Magna, 84078- Vernal, and 84721 – Enoch.
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THIS HANDBOOK IS AVAILABLE AT dld.utah.gov UTAH DRIVER HANDBOOK 2020 v.1 . STATE OF UTAH UTAH DRIVER HANDBOOK AAMVA MODEL NON-COMMERCIAL This handbook is a collaborative effort between AAMVA and the Utah Driver License Division and contains the rules which should be followed w
The commercial health insurance market is the only source of health insurance directly regulated by the Utah Insurance Department, hereafter referred to as the Insurance Department for the purposes of this report. Approximately 44 percent of Utah's commercial health insurance market is comprehensive health insurance (also known as major medical).
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