Car Insurance Requirements in Utah (2025)
Utah state law requires drivers to carry bodily injury liability, property damage liability, and personal injury protection (PIP) coverage.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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.
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
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
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 $101 per month for a liability-only policy and $147 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.
USAA offers the cheapest liability coverage in Utah, with a rate of $61 per month. The table below breaks down the average cost of liability-only auto insurance policies by company in Utah.
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 $82 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.
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:
Utah car insurance requirements FAQs
You should think carefully about whether you want to purchase more than the minimum amount of required coverage in Utah. Here’s what you need to know about requirements in the state.
Does Utah require car insurance?
Yes. Utah drivers must carry a minimum amount of car insurance to drive legally in the state. This includes 30/65/25 in liability coverage and at least $3,000 of PIP coverage.
What car insurance does Utah law require?
Utah’s minimum insurance requirements include a 30/65/25 policy. This means drivers must carry at least $30,000 per person and $65,000 per accident in bodily injury liability coverage and $25,000 in property damage liability. Additionally, Utah drivers must carry at least $3,000 in PIP coverage.
Do you need car insurance to register a car in Utah?
Yes. Drivers need to show proof of car insurance at registration, in addition to a number of other documents and paying a fee.
How long do you have to insure a new car in Utah?
You have to insure a new car in Utah before you can drive it. Regardless of a vehicle’s age, drivers must carry a minimum amount of insurance.
Does insurance follow the car or the driver in Utah?
In general, liability car insurance follows the vehicle in Utah. But PIP coverage tends to follow the driver. Check the details of your specific insurance policy to understand when you have coverage.
What happens if you get pulled over without insurance in Utah?
If you get pulled over without insurance in Utah, the state may suspend your vehicle registration. You could also face a fine of $400 for a first offense and $1,000 for a second or subsequent offense within three years of a previous conviction. Your driver’s license will also be suspended.
)
Insurance Writer
)
)
){kind=logo}
){kind=small}
){kind=small}
){kind=small}