Utah Minimum Auto Insurance Requirements for 2025 (Learn What UT Requires)
Utah's minimum auto insurance requirements are 25/65/15, which includes at least $25,000 in bodily injury coverage per person, $65,000 per accident, and $15,000 for property damage. Insurance premiums in Utah start at $22 per month, and comparing options can help you secure the best rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Dec 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Utah minimum auto insurance requirements ensure that every driver has basic liability protection, with limits of 25/65/15 for bodily injury liability and property damage coverage. These requirements safeguard drivers from financial risks in accidents while ensuring compliance with state laws.
USAA, Geico, and Travelers offer excellent options for affordable coverage, with rates starting as low as $22 per month. By comparing quotes from these top providers, you can find the ideal balance of coverage and cost.
Utah Minimum Auto Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $65,000 per accident |
| Property Damage Liability | $15,000 per accident |
This article explains Utah’s insurance laws, penalties for non-compliance, and strategies to save money on your policy. Keep reading to learn how to meet the state’s requirements and choose the best provider.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
- Utah minimum auto insurance requirements mandate 25/65/15 liability coverage
- USAA, Geico, and Travelers provide budget-friendly rates meeting Utah minimums
- Compare quotes to stay compliant with Utah auto requirements and save money
Utah Minimum Coverage Requirements & What They Cover
Understanding Utah car insurance requirements is essential for all drivers in the state. By law, Utah mandates that drivers carry a minimum level of insurance, known as the Utah state minimum car insurance.
- Bodily Injury Liability: Covers medical expenses and funeral costs for others injured in an accident where you are at fault. This type of coverage is mandatory in most states, including Utah.
- Property Damage Liability: Pays for damage to other people’s property, such as vehicles, buildings, or structures like fences and light poles. This is a mandatory coverage type in nearly all states.
These Utah auto insurance minimums include $3,000 in personal injury protection (PIP), $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage (Read more: Best Property Damage Liability (PDL) Auto Insurance Companies).
As Utah is a no-fault state, drivers are required to have PIP coverage, which helps cover medical expenses regardless of who is at fault in an accident. This is a key component of Utah car insurance laws, designed to protect all parties involved.
Additionally, proof of insurance is required not only to register a vehicle but also if requested by law enforcement. Driving without insurance in Utah can lead to severe penalties, including fines and possible suspension of your license.
This Utah auto insurance guide highlights the importance of understanding Utah car insurance law, meeting Utah liability insurance requirements, and ensuring compliance with the minimum car insurance in Utah mandates. Comparing quotes can help you find the best rates and ensure you’re fully covered under car insurance in Utah standards.
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Cheapest Car Insurance in Utah
If you’re looking for the cheapest car insurance in Utah, there are several affordable options to meet the state’s requirements. The most budget-friendly provider is USAA, offering rates as low as $22 per month, making it ideal for military families.
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A.M. Best Rating
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A.M. Best Rating
Complaint Level
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1,731 reviewsFor non-military drivers, Geico is a top contender, with plans starting at $33 per month, while Travelers provides comprehensive coverage options for $39 per month.
The average car insurance in Utah varies depending on your location. For example, residents of Layton pay as little as $57 per month, while drivers in West Valley City may see rates around $218 per month. Comparing rates based on where you live can help you find the best deals on Utah car insurance.
Utah Min. Coverage Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Kearns | $216 |
| Layton | $57 |
| Logan | $170 |
| Midvale | $121 |
| Ogden | $98 |
| Orem | $116 |
| Provo | $122 |
| Salt Lake City | $116 |
| St. George | $172 |
| West Valley City | $218 |
By comparing quotes from top providers, you can secure a plan that fits your needs while meeting the Utah minimum car insurance requirements. Whether you’re in Salt Lake City, Provo, or St. George, finding affordable Utah auto insurance requirements doesn’t have to be a challenge. Explore your options today to see how much car insurance in Utah costs in your area.
Read more: Best Utah Auto Insurance
Other Coverage Options to Consider in Utah
When reviewing your auto insurance policy, you may find the various coverage options overwhelming. However, understanding these options is crucial for making informed decisions about your policy and ensuring you’re fully protected. Here’s a breakdown of the key additional coverage types available in Utah:
- Personal Injury Protection (PIP): Required in no-fault states like Utah, Personal Injury Protection covers medical expenses, funeral costs, lost wages, and even household help needed due to injuries from an accident.
- Collision Coverage: Collision coverage covers damages to your own vehicle resulting from an accident, regardless of fault. This coverage is typically required if you are leasing or financing your car.
- Comprehensive Coverage: Comprehensive coverage protects against damages to your vehicle from non-collision events, including natural disasters, theft, vandalism, fires, and hitting wildlife. Like collision coverage, this is often required for leased or financed vehicles.
- Uninsured/Underinsured Motorist Coverage: Protects you in accidents where the at-fault driver has no insurance or insufficient coverage, including hit-and-run incidents, by covering medical and property damage costs up to your policy limits (Read more: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage).
While Utah’s minimum auto insurance requirements provide basic protection, they may not fully cover you in the event of a serious accident. Additional coverage options, like collision, comprehensive, and uninsured motorist coverage, offer greater financial security and peace of mind.
Penalties for Driving Without Insurance in Utah
Driving without insurance in Utah is not only illegal but also comes with significant financial and legal penalties. If you fail to meet Utah car insurance minimums, you face fines starting at $400 for a first offense, escalating to $1,000 for repeat violations.
Additionally, your driver’s license and vehicle registration could be suspended, and you may be required to file an SR-22, proving future financial responsibility.
Opting for coverage beyond Utah's minimum requirements provides stronger financial security after a serious accident.Brad Larson Licensed Insurance Agent
For those wondering, “Do you need car insurance in Utah?” the answer is a clear yes. Insurance is necessary not only to comply with state laws but also to protect yourself from personal liability. If you’re uninsured and cause an accident, you could be held responsible for all damages, leading to potential lawsuits, wage garnishment, or the seizure of assets.
To avoid these severe consequences, maintain at least the Utah car insurance minimums. While minimum coverage meets legal requirements, additional protection can provide greater peace of mind and financial security.
Understanding and complying with Utah car insurance minimum requirements allows you to drive confidently and responsibly on the state’s roads.
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Getting Cheap Auto Insurance in Utah
Getting affordable auto insurance in Utah is simpler than you might think. If you’re a new driver, start by exploring online price comparison tools to find the best premiums from top providers quickly. These tools allow you to compare rates and coverage options in one place, saving you time and money.
As a Utah resident, it’s essential to maintain the required auto insurance to protect yourself, other drivers, and your financial well-being. Take the time to review your policy and ensure you’re familiar with all available coverages to make the best decision for your circumstances (Read more: Why to Get Multiple Auto Insurance Quotes).
Ready to find the best deal? Use our free insurance comparison tool below—simply enter your ZIP code to get a personalized quote today!
Frequently Asked Questions
Do I need additional coverage beyond Utah’s minimum requirements?
While Utah’s minimum requirements provide basic liability protection, they may not be sufficient for severe accidents. Additional coverage, such as collision, comprehensive, or uninsured motorist coverage, can provide greater financial security and peace of mind.
Read more: Collision vs. Comprehensive Auto Insurance
What are the Utah car insurance minimum requirements, and why are they important?
The Utah car insurance minimum requirements are 25/65/15 for liability coverage and $3,000 in Personal Injury Protection (PIP). These minimums ensure that drivers can cover basic medical and property damage expenses in the event of an accident, reducing financial risk for all parties involved. Get fast and cheap auto insurance coverage today with our quote comparison tool.
How much is car insurance in Utah?
The cost of car insurance in Utah starts as low as $22 per month with affordable providers like USAA. Your premium depends on factors such as location, driving history, and coverage options.
What happens if I drive without insurance in Utah?
Driving without insurance in Utah carries severe penalties, including fines of $400 for a first offense and $1,000 for subsequent violations. You could also face license and registration suspension, SR-22 auto insurance filing requirements, and personal liability for damages.
How does Utah’s no-fault insurance system affect coverage?
As a no-fault state, Utah requires Personal Injury Protection (PIP) coverage, which helps cover medical expenses regardless of who caused the accident. This system reduces the need for lawsuits to settle minor claims.
What types of coverage should I consider if I lease or finance a vehicle in Utah?
If you lease or finance a car in Utah, your lender will likely require collision and comprehensive coverage. These policies protect your vehicle from damages caused by accidents, theft, vandalism, or natural disasters (Read more: Does auto insurance cover vehicle theft?).
How can I lower my car insurance rates in Utah?
To lower your rates, consider maintaining a clean driving record, bundling multiple insurance policies, taking advantage of discounts like good student or safe driver programs, and comparing quotes from multiple providers.
Are there special insurance requirements for high-risk drivers in Utah?
High-risk drivers in Utah may be required to file an SR-22, which proves that they carry the state’s minimum insurance. High-risk auto insurance status often leads to higher premiums, but shopping around can help find better rates.
Does location impact car insurance rates in Utah?
Yes, location significantly affects car insurance rates. For example, drivers in cities like West Valley City may pay higher premiums due to increased traffic and accident rates compared to smaller cities like Layton.
How can I find the best car insurance provider in Utah?
To find the best provider, use online comparison tools to review rates, coverage options, and customer satisfaction scores. Providers like USAA, Geico, and Travelers are known for offering competitive rates and excellent customer service in Utah. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.