Car Insurance Requirements in Utah (2025)

Every U.S. state except New Hampshire requires drivers to purchase a minimum amount of car insurance, but the requirements vary by state. Understanding the specific insurance requirements in Utah can help you avoid any penalties you might face for driving without enough coverage.

Beyond carrying the minimum amount of car insurance, some drivers choose to purchase additional coverage.

Here’s what you need to know about car insurance requirements in Utah.

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Utah car insurance requirements

In Utah, drivers must obtain minimum amounts of bodily injury liability, property damage liability, and personal injury protection coverage. The state increased its minimum limits for policies effective on or after Jan. 1, 2025:^[1]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $65,000 per accident
Property damage liability	$25,000 per accident
Personal injury protection (PIP)	$3,000

Uninsured/underinsured motorist coverage isn’t part of Utah’s minimum car insurance requirements. But insurance companies must offer it as part of your policy. Drivers have the option to reject this type of insurance in writing.

Bodily injury liability

The Beehive State requires drivers to carry a minimum of $30,000 per person and $65,000 per accident in bodily injury liability coverage. This type of insurance can help you pay for the other party’s injuries if you’re legally at fault for an auto accident.

For example, if you cause an accident that injures another driver, your insurance company would cover up to $30,000 in medical bills for that person. If more than one person in the other vehicle experienced injury, the insurance policy would cover up to $65,000 in medical expenses for the entire incident.

If the cost of the injuries is more than the policy limits, you’ll be responsible for the remaining amount. Since this presents a financial risk, many experts recommend purchasing more liability insurance to protect your wallet.

Property damage liability

Utah law requires drivers to carry at least $25,000 in property damage liability coverage. If you get into an accident, this type of coverage will help pay to repair or replace the other driver’s vehicle.

Notably, this coverage won’t help you repair your vehicle after an accident. If you want an insurance policy that helps you pay for repairs to your car after an accident, consider a full-coverage policy. A full-coverage policy includes both collision and comprehensive coverages, which can help you pay for repairs after an incident.

Personal injury protection (PIP)

The state of Utah requires drivers to carry at least $3,000 in personal injury protection (PIP) coverage. If you have an accident, PIP coverage applies to you and your passengers. The protection carries through regardless of fault because Utah is a no-fault state.

After an accident, PIP coverage can help you pay for medical costs, lost wages, child care costs, household expenses, funeral expenses, and more.^[2]

For example, if you’re injured in an accident, PIP coverage might kick in to cover your hospital bills or lost wages until you recover. But the policy will only cover qualified expenses up to the limit. So if you have $5,000 in medical bills after an accident, you’d be required to pay $2,000 of that if you stick with the minimum-coverage limit of $3,000.

Utah Automobile Insurance Plan

UAIP

The Utah Automobile Insurance Plan provides coverage for high-risk drivers who have struggled to find car insurance from companies in the state. Utah and several other states are part of the Western Association of Automobile Insurance Plans (WAAIP), which connects drivers who can’t find coverage with an insurer that will provide coverage.^[3]

Do you need more than state-minimum coverage in Utah?

Although a liability-only policy meets the state’s minimum-coverage requirements, it might not provide you with enough vehicle and financial protection. A liability car insurance policy in Utah will help cover the other driver’s expenses and your medical expenses, but it won’t cover your vehicle damage.

Liability-only coverage is the cheapest insurance option for drivers on a tight budget. It may make sense if you have an old, inexpensive vehicle or don’t drive frequently. Many drivers choose to increase liability limits and purchase a full-coverage policy. On average, Utah drivers pay $107 per month for a liability-only policy and $165 for a full-coverage policy.

With a full-coverage policy — which includes liability, collision, and comprehensive insurance — the insurer will help you cover the repair or replacement costs for your vehicle after an accident. Without full-coverage insurance, you’ll have to pay for repairs on your own.

Penalties for driving without proof of insurance in Utah

If law enforcement catches you driving without insurance in Utah, you can expect severe penalties. Depending on the situation, you might face the following:^[4]

• Fines: Uninsured drivers face a minimum penalty of $400 for a first-time offense. If you drive without insurance for a second time within three years, you could face a $1,000 fine.

• Suspended vehicle registration: In some cases, the Division of Motor Vehicles will suspend the uninsured vehicle’s registration. Drivers face a $100 fee to reinstate their registration.

Cheapest liability-only car insurance in Utah

After an accident, liability coverage helps pay for the damage and injury you cause to others.

Root offers the cheapest liability coverage in Utah, with a rate of $78 per month. The table below breaks down the average cost of liability-only auto insurance policies by company in Utah.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Root	$78
National General	$85
Sun Coast	$87
USAA	$89
Progressive	$95
Auto-Owners	$109
Clearcover	$117
The General	$118
State Farm	$119
Safeco	$122
Dairyland	$126
GEICO	$137
Bristol West	$139
GAINSCO	$140
Direct Auto	$148
American Family	$152
Allstate	$163
Nationwide	$178
Liberty Mutual	$193
Farmers	$211
State Auto	$277

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Utah

Full-coverage car insurance tends to cost more than liability-only coverage. The higher premium provides increased protection for your wallet in the event of a car accident.

With a rate of $112 per month, USAA has the cheapest full-coverage insurance in Utah. Here are the average costs of full-coverage auto insurance policies by company in Utah.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$112
Root	$118
Sun Coast	$132
Progressive	$134
Auto-Owners	$137
National General	$148
State Farm	$149
Safeco	$151
Clearcover	$155
GEICO	$169
The General	$183
American Family	$190
Allstate	$204
Liberty Mutual	$221
Nationwide	$224
Bristol West	$240
Direct Auto	$244
Dairyland	$254
Farmers	$264
GAINSCO	$281
State Auto	$348

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Optional car insurance coverages to consider

Although you only have to carry a minimum amount of car insurance, that’s not the only coverage you might want. You have the option to add more car insurance coverages to your policy, which can better protect your wallet.

Below is a look at some of the optional auto insurance coverages you might want:

• 

  Collision coverage

  Collision insurance covers damages to your car after a collision with another vehicle or object. After the collision, your insurer will help you pay for the damages or possibly replace your vehicle, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive insurance covers damage to your vehicle that occurs during an event other than a collision. Some covered events might include vandalism, theft, or weather damage.

• 

  Rental reimbursement coverage

  If you rely on your vehicle to get around and it’s in the shop after an accident, rental reimbursement coverage can help you pay for a rental while a mechanic repairs your vehicle.

• 

  Rideshare coverage

  Rideshare drivers who work with services like Uber or Lyft likely need this specialized car insurance coverage. Rideshare coverage gives you extra protection while using your vehicle for ridesharing purposes.

Utah car insurance requirements FAQs