Utah Car Insurance Requirements

Minimum Coverage Requirements

Utah requires drivers to carry minimum liability insurance of 30/65/25 — meaning $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage. These limits took effect effective January 1, 2025; older guides that list 25/65/15 are out of date. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Utah

Drivers in Utah typically pay approximately $1,340 per year ($112/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Utah

State Regulations and Key Rules

Utah is a no-fault state requiring PIP of $3,000. Utah has an unusual split limit with $65,000 per accident for bodily injury, higher than most states. Uninsured motorist coverage must be offered.

What Makes Utah Unique

Utah's $65,000 per-accident bodily injury limit is one of the highest standard minimums in the country, offering better protection per accident than the more common $50,000 limit seen in states with 25/50 requirements.

Uninsured Drivers in Utah

Approximately 8.2% of drivers in Utah are estimated to be uninsured.

Risk Factors Specific to Utah

Utah's mountain roads and canyon highways present serious winter driving hazards — Provo Canyon and I-80 mountain sections are particularly dangerous in winter. Salt Lake Valley experiences temperature inversions that trap pollutants and reduce visibility. Southern Utah's desert roads see flash flooding during monsoon season.

What Utah’s Minimum Actually Covers

Utah’s minimum is 30/65/25: $30,000 per injured person, $65,000 total per accident for injuries, and $25,000 for property damage. These limits took effect January 1, 2025 (from 25/65/15). With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $30,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Utah

Utah is a no-fault state: after most accidents, your own personal injury protection (PIP) pays your medical bills and some lost wages regardless of who caused the crash. Required PIP: $3,000. You can generally sue the at-fault driver for pain and suffering only when injuries pass the state’s threshold. Utah also requires uninsured motorist coverage, which pays when the at-fault driver has no insurance or too little.

How Utah Compares: Uninsured Drivers and Price

An estimated 8.2% of Utah drivers are uninsured — roughly 1 in 12 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,340 a year puts Utah below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Utah

Salt Lake City and surrounding Wasatch Front cities have higher rates than rural Utah — drivers in St. George and southern Utah benefit from lower premiums. Utah's growing population and increasing traffic in the Salt Lake Valley have pushed urban rates higher in recent years. Good driver discounts are competitive among major carriers.

• Utah's minimum liability requirement of 30/65/25 is the legal floor, not a safe target — since Utah already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 8.2% of Utah drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Utah?

30/65/25: $30,000 of bodily injury liability per person, $65,000 per accident, and $25,000 of property damage liability. These limits took effect January 1, 2025 (from 25/65/15).

Is Utah a no-fault state?

Yes. Your own personal injury protection pays your medical bills after most accidents regardless of fault. Required PIP: $3,000.

Is uninsured motorist coverage required in Utah?

Yes. Utah requires uninsured motorist coverage.

How many drivers are uninsured in Utah?

An estimated 8.2% of Utah drivers are uninsured, roughly 1 in 12.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.