Is Full Coverage Worth It for High-Mileage Cars in Utah?

[Maria151]

Hey folks,

If your car has really high mileage, is it still worth paying for full coverage in Utah? Once a vehicle's value drops significantly, the payout from collision or comprehensive coverage might not justify the extra cost.

Many drivers in Salt Lake City choose liability-only when their car is older and has a lot of miles, but others prefer keeping full coverage for peace of mind—especially with Utah's unpredictable weather and road conditions.

When I reviewed car insurance Salt Lake City UT, I noticed some insurers even offer customized plans for high-mileage vehicles so you're not overpaying for coverage you may not need.

What's your experience—did you drop to liability-only at a certain point, or do you keep full coverage no matter the mileage?

[yarp]

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[yarp]

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[yarp]

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[UlricVex]

In my experience, it really depends on repair risk versus vehicle value—older, high-mileage cars often make more sense with liability-only unless weather or theft is a concern. I'd also budget for maintenance since unexpected issues can pop up, just like people rely on mustang car battery experts instead of overpaying at dealerships. If premiums feel close to the car's value, trimming coverage and building an emergency fund can be the smarter move.