Living in Bountiful means you're part of a thriving Davis County community of about 45,000 residents, nestled along the Wasatch Front with quick access to I-15 and FrontRunner. Whether you're a long-time resident near the Bountiful Temple or just moved into one of the neighborhoods south of downtown, understanding your insurance needs is essential. Utah's insurance landscape changed significantly in 2025, and there are specific risks along the Wasatch Front that every Bountiful homeowner and driver should know about.
This guide walks you through what you need to know about auto insurance, homeowners insurance, and the unique coverage gaps that can leave Utah residents exposed. We'll also help you find local agents who understand Bountiful's specific insurance landscape.
Auto Insurance in Bountiful: What Changed in 2025
If you renewed your car insurance policy in 2025, you probably noticed your liability limits automatically increased. Utah raised its minimum coverage requirements effective January 1, 2025, following House Bill 113. The new minimums are $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage (up from $15,000). You'll also still need $3,000 in Personal Injury Protection, which covers your own medical expenses regardless of fault.
Here's what this means for your wallet: The average Utah driver pays between $1,186 and $2,343 annually for full coverage, depending on factors like your age, driving record, and credit score. Minimum coverage averages around $332 to $708 per year. But here's the catch—those minimum limits might not be enough if you cause a serious accident. A single trip to the emergency room can easily exceed $30,000, and property damage to newer vehicles adds up fast. Many insurance professionals recommend carrying at least $100,000/$300,000 in liability coverage for better protection.
If you commute from Bountiful to Salt Lake City on I-15 or use FrontRunner for work, make sure your policy reflects your actual mileage. Lower mileage can mean lower premiums, especially if you're working from home part-time. Shopping around is worth it too—Davis County residents can save an average of $550 by comparing multiple quotes.
Homeowners Insurance: What Your Policy Covers (and Doesn't)
The average homeowners insurance policy in Utah costs between $1,454 and $1,802 per year, though your actual rate depends on your home's age, value, and location within Bountiful. A standard policy covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. It protects against common perils like fire, windstorms, hail, theft, and vandalism.
But here's what surprises most Utah homeowners: Standard policies don't cover two of the biggest risks along the Wasatch Front—earthquakes and floods. Given that there's a 43% chance of at least one earthquake of magnitude 6.75 or greater in the next 50 years in this region, that's a significant gap. Utah averages 13 earthquakes per year measuring magnitude 3.0 or greater.
Flood risk is equally important. More than 70% of flood damage in Utah happens outside designated Special Flood Hazard Areas, meaning even if you're not in a mapped flood zone, you could still face flash flood damage during heavy rainfall or rapid snowmelt. These aren't hypothetical concerns—floods cause more economic loss to Utah residents than any other natural disaster.
Earthquake and Flood Insurance: Closing the Coverage Gap
Earthquake insurance is available either as an endorsement to your homeowners policy or as a standalone policy, typically costing a few hundred to over $1,000 per year depending on your home's construction and value. These policies usually come with higher deductibles—often 10% to 20% of your dwelling coverage—but they protect against catastrophic damage that would otherwise be your full financial responsibility.
Flood insurance through the National Flood Insurance Program (NFIP) costs an average of $700 per year in Utah. One important detail: Flood policies take 30 days to go into effect, so you can't wait until a storm is forecasted. If you have a mortgage, your lender might require flood insurance depending on your property's location. Even if it's not required, it's worth considering given Utah's flash flood patterns.
Some insurers offer a "difference in conditions" policy that bundles flood, earthquake, and other excluded perils into one package. This can sometimes be more cost-effective than buying separate policies, and it simplifies claims if multiple perils affect your home at once.
Finding Local Insurance Agents in Bountiful
Bountiful has several local insurance agencies along Main Street and Highway 89 that can help you compare coverage options. Working with a local agent has real advantages—they understand Davis County's specific risks, know which insurers offer the best rates in your ZIP code, and can bundle your auto and home policies for additional savings.
You'll find agencies representing major carriers like Progressive, Allstate, and Nationwide, as well as independent agencies that can shop multiple insurers on your behalf. Independent agents are particularly helpful if you have a unique situation—like a home with older construction, a teenage driver on your policy, or a need for specialized coverage. Utah has 130 independent insurance agencies statewide, and several operate in the Bountiful area.
When meeting with agents, ask specifically about earthquake and flood coverage, bundle discounts, and any available discounts for home security systems, multi-policy arrangements, or good driving records. Don't hesitate to get quotes from three or four different sources—the savings can be substantial, and you'll get a better sense of what coverage actually costs in your neighborhood.
How to Get Started with Your Insurance Review
Start by pulling out your current insurance policies—both auto and home. Check your liability limits to make sure they meet the new Utah minimums, and look at your deductibles and coverage limits. If you haven't reviewed your policies in the past year or two, you might be underinsured, especially with rising home values and vehicle prices.
Next, make a list of questions about coverage gaps. Do you have earthquake insurance? What about flood coverage? Are your liability limits high enough to protect your assets if you cause a serious accident? Would umbrella insurance make sense given your net worth? These questions are worth asking, even if the answers seem obvious.
Finally, schedule time to get quotes. Whether you work with a local Bountiful agent, contact insurers directly, or use comparison websites, getting multiple quotes is the single best way to save money while ensuring you have adequate coverage. Given Utah's unique risks and the recent changes to auto insurance requirements, now is an excellent time to review your coverage and make sure you're protected.
