Utah Car Insurance Requirements in 2026

Utah car insurance requirements at a glance

Coverage	Minimum Requirement in Utah
Bodily injury liability	$30,000 per person/$65,000 per accident
Property damage liability	$25,000 per accident
Personal injury protection	$3,000 per person

Alternatively, Utah drivers can meet state-minimum insurance requirements with a $90,000 single-limit liability policy. 

Utah car insurance requirements explained

Utah recently updated its state-minimum liability limits. Policies issued after Jan. 1, 2025, require higher minimum per-person bodily injury limits and property damage limits than policies issued on or before Dec. 31, 2024. The minimum coverage limit for a single-limit liability policy, which covers both injuries and property damage, also increased to $90,000.^[1] 

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Utah bodily injury liability insurance requirements

Utah policies issued or renewed after Jan. 1, 2025, must have at least $30,000 per person and $65,000 per accident in bodily injury liability coverage. This pays for the injuries or death of another person if you’re held liable in a car accident. Most states have minimum liability limits of 25/50 or less, so Utah’s requirements are relatively robust. 

Since Utah is a no-fault state, the injured person would file a claim under their own policy’s personal injury protection (PIP) coverage before filing a claim against your bodily injury liability policy. If the other person’s medical expenses exceed $3,000 or they sustain certain serious injuries or are killed, they or their family could file a lawsuit against you for general damages.^[2] 

Utah property damage liability insurance requirements

Utah law requires car insurance policies issued or renewed after Jan. 1, 2025, to have a minimum of $25,000 in property damage liability coverage, which pays for damage to another person’s vehicle or other property, such as a fence, sign, or building. This $25,000 limit is a common minimum property damage coverage limit among U.S. states. 

Utah uninsured/underinsured motorist (UM/UIM) insurance requirements

State law requires Utah car insurance companies to include UM/UIM coverage with limits that match the policy’s bodily injury liability limits or the insurer’s maximum coverage offering, if less. But you can legally reject the coverage in writing or request lower limits.^[3] 

UM coverage pays for your medical expenses, lost wages, and other related damages if you’re the victim of a hit-and-run or if an uninsured driver hits you. UIM coverage pays the difference when the at-fault driver has insufficient liability coverage to pay for your injuries. 

While not technically a legal requirement, it’s a good idea to maintain these coverages. Utah has one of the lowest uninsured driver rates in the country, according to Insurance Research Council data. But UM/UIM coverage provides protection against several potential risks. Note that you can only purchase uninsured motorist property damage coverage in Utah if you forgo collision coverage.^[4] 

Utah personal injury protection (PIP) requirements

Utah drivers must carry a minimum of $3,000 in personal injury protection, also known as no-fault insurance.^[5] PIP pays for medical expenses, lost income, and certain essential services if you or your passengers sustain injuries in a car accident, regardless of who’s at fault. It also pays for final expenses after a death.

PIP coverage allows you to get reimbursement for your medical bills before determining who’s at fault. PIP coverage is a common requirement in no-fault states, but most states that require no-fault medical benefits require higher minimum coverage limits than Utah, according to National Association of Insurance Commissioners (NAIC) data.

Are Utah’s car insurance requirements sufficient for most drivers?

In most cases, no. You may want to increase your PIP policy limits for added protection, especially if your health insurance out-of-pocket maximum is greater than $3,000. Most insurance experts also recommend sufficient liability limits to protect your assets in the event of a serious accident. 

Though Utah is a no-fault state, the other party in an accident can still sue for damages if their medical expenses exceed $3,000 or they have a permanent disability, disfigurement, impairment, or dismemberment.^[6] Property damage claims can also easily exceed $25,000, especially if you total a newer vehicle. 

The table below shows the coverage limits many Utah insurance experts recommend.

Coverage Type	Recommended Limit
Bodily injury liability	$100,000 per person/$300,000 per accident
Property damage liability	$100,000 per accident
Uninsured/underinsured motorist coverage	$100,000 per person/$300,000 per accident
Personal injury protection	$10,000 per person

Other car insurance requirements to be aware of in Utah

Here are some other types of car insurance you might need to have in the Beehive State:

• Full-coverage insurance: If you have an auto loan or lease, your lender may require a full-coverage policy, which includes collision and comprehensive coverage. These coverages pay for damage to your own vehicle after a non-collision event or at-fault accident. 

• SR-22 insurance: Your insurer may need to file an SR-22 form with the Utah Driver License Division if you’re convicted of driving uninsured. An SR-22 certificate shows you have active car insurance that meets state requirements.^[7] 

• Commercial auto insurance: You may need a business auto policy or endorsement if you use your car for business purposes other than driving to and from work.^[8] 

How Utah’s car insurance requirements influence rates

The average cost of car insurance in Utah is $92 per month for liability-only insurance and $146 per month for full coverage, according to Insurify data. Full-coverage rates in Utah are relatively affordable, while liability rates are similar to the national average. 

Utah’s state-minimum coverage requirements are slightly more stringent than the typical 25/50/25 limits and include PIP coverage, which drives up minimum-coverage rates.

Cheapest state-minimum required car insurance in Utah

The below rates in Utah are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote
USAA	$50
Auto-Owners	$60
Progressive	$60
National General	$65
State Farm	$66
GEICO	$74
The General	$76
Sun Coast	$78
Allstate	$81
American Family	$84
Direct Auto	$90
Mile Auto	$90
Clearcover	$95
Freedom National	$95
Root	$101
Safeco	$106
Bristol West	$111
Dairyland	$112
GAINSCO	$115
Farmers	$117
Liberty Mutual	$148
State Auto	$154

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

Penalties for driving without insurance in Utah

Utah law requires all drivers to carry proof of financial responsibility. You must either have an active auto insurance policy that meets state requirements or alternative proof, like a surety bond or certificate of self-insurance.^[9] 

Driving without insurance in Utah is a class B misdemeanor with serious consequences:

• Fines: A conviction for driving uninsured requires you to pay a minimum $400 fine for your first offense. A second offense within three years requires a minimum $1,000 fine.^[10] 

• License suspension: The Utah Department of Public Safety will also suspend your driver’s license and may also suspend your vehicle registration. Following a conviction, the DPS may require you to have an SR-22 certificate on file for three years. You’d need to pay a $40 driver’s license reinstatement fee and a $100 registration reinstatement fee.^[11] 

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Other car insurance coverages worth considering in Utah

Liability-only insurance doesn’t cover every risk. Utah drivers who want full protection should consider adding the following optional coverages:

• Collision coverage: Collision insurance pays to repair or replace your own car after a crash with another vehicle or stationary object.

• Comprehensive coverage: Comprehensive insurance pays for theft or accidental damage to your car from non-collision causes, like vandalism, fire, flood, and severe weather. Utah ranks ninth in the nation for homes at risk for extreme wildfires, according to the Insurance Information Institute, which also puts vehicles at risk. Utah is also vulnerable to hail damage, making comprehensive insurance a wise choice for vehicle owners. 

• Gap insurance: If you have an auto loan on a new car, consider adding gap insurance, which pays the difference between the actual cash value of your vehicle and your outstanding loan balance should you total your vehicle. 

• Roadside assistance/towing and labor: Utah features 28 scenic byways, which make for beautiful road trips filled with scenic overlooks. But that also means Utah has long stretches of remote highway far from an auto repair shop. Adding roadside assistance or a towing and labor coverage endorsement helps reduce out-of-pocket costs when your car breaks down. 

Utah car insurance requirements FAQs