Utah Minimum Auto Insurance Requirements for 2024 (Learn What UT Requires)
Utah requires a minimum of 25/65/15 of bodily injury and property damage coverage. The average rate for auto insurance in Utah is around $41.46/mo.
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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 20, 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 20, 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.
On This Page
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 |
- Car insurance in Utah is important to have if you own a car
- Utah requires drivers to have minimum auto insurance coverages in order to register their vehicle
- Drivers should understand each type of coverage on their auto insurance policy
- Not having the mandated amounts and types of coverage in Utah can lead to serious consequences
- Experts recommend that drivers add more coverage to their auto insurance policy than the minimum required amounts
Utah Minimum Coverage Requirements & What They Cover
Drivers in the state of Utah by law must carry the following types and amounts of auto insurance coverage:
- $3,000 PIP
- $25,000 for bodily injury per person
- $65,000 for total bodily injury per accident
- $15,000 for property per accident
Utah Auto Insurance Laws
- All drivers who reside in the state of Utah must have proof of financial responsibility in the form of auto insurance in order to register their vehicle.
- In addition, drivers must be prepared to show proof of financial responsibility to law enforcement officers upon request.
- Utah is a no-fault state, which means PIP coverage is required by law.
Most car insurance and financial experts recommend that you carry at bodily injury liability in the amounts of $100,000 per person and $300,000 per occurrence.
You would usually see this written as 100/300. You may also see a third number added which would represent the amount of coverage for property damage.
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1,731 reviewsUtah 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 |
Other Coverage Options to Consider in Utah
If you have ever read through your auto insurance policy, you may have found it perplexing or overwhelming.
However, it is important that you understand the types of coverages that are available to you and what they provide for. It is your responsibility to be an informed driver.
Bodily injury liability is usually one of the types of mandatory insurance in most states. This type of coverage pays for medical bills and funeral expenses for other parties who are injured in an accident that you are liable for.
PIP is a type of coverage that pays for medical bills, funeral expenses, some loss of income and other coverages. It is usually required in no-fault states. States that assign fault will typically only offer medical payments coverage.
No-fault means each driver can recover damages from their own insurance company no matter who is at fault for the accident.
In some cases, PIP will also cover hired help around the house that was needed as a direct result of injuries from the accident.
Similar to bodily injury liability, property damage liability pays for damages to the property of other parties when you are the responsible party.
This can include repair or replacement of a vehicle, buildings, or other structures like a fence or a light pole. Property damage liability is a minimum requirement in nearly all states.
Although collision is not a required type of auto insurance, you may be contractually required to have it if you are leasing or financing your vehicle.
Collision coverage pays for damages to your vehicle that occurred as a result of an accident.
With this coverage type, you will choose a deductible amount and also your policy limits.
Comprehensive is similar to collision coverage in that you should have this coverage if you are financing or leasing your car and that you choose your deductible and policy limits.
The difference is that comprehensive coverage is for other situations that can damage your vehicle such as hitting wildlife, natural disasters, fires, theft, and vandalism.
Some states also require uninsured motorist coverage on your auto insurance policy. If you are in an accident with another driver who does not have insurance, or if it’s a hit and run, your uninsured motorist policy will cover the costs up to your policy limits.
In addition, you can get underinsured motorist coverage.
With this coverage, if the driver who caused the accident does not have enough insurance coverage to pay for all of your damages, your underinsured motorist policy will help cover the remainder of the damages.
Penalties for Driving Without Insurance in Utah
Driving a vehicle without the minimum required insurance in the state of Utah is a serious offense. For a first offense, you will receive a fine of at least $400.
Second and subsequent offenses will receive a minimum of a $1,000 fine. You may also have your driver’s license and auto registration suspended or revoked. An SR22 filing may also be invoked upon you.
Additionally, you can be held personally responsible for any financial damages you have caused.
This could lead to civil lawsuits and the potential for your assets being seized and/or garnishment of your paychecks. Driving without at least the minimum required insurance types in Utah simply isn’t worth the risk.
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Getting Cheap Auto Insurance in Utah
If you are a new driver in Utah, you can get auto insurance by contacting a local insurance agent. You can also look online and use a price comparison tool that can help you get the best premium.
Another option is to talk to people you know to get recommendations for auto insurance companies or agents.
If you are a resident in Utah and drive a vehicle, be sure you have auto insurance to cover you and other drivers on the road. You should also ensure that you understand all of the different coverages on your policy.
Don’t miss out on our free insurance comparison tool below! Just enter your ZIP code and get your quote today!
Frequently Asked Questions
What are the minimum auto insurance requirements in Utah?
In Utah, drivers are required to carry a minimum liability insurance coverage of 25/65/15. This means you must have at least $25,000 in bodily injury coverage per person, $65,000 in bodily injury coverage per accident, and $15,000 in property damage coverage.
Can I drive in Utah without insurance?
No, it is illegal to drive in Utah without insurance. All drivers must carry at least the minimum required liability insurance coverage.
What does liability insurance cover?
Liability insurance covers the costs associated with injuries or damages you may cause to others in an accident. It includes bodily injury coverage to pay for medical expenses, lost wages, and other damages suffered by others, as well as property damage coverage to repair or replace vehicles and other property damaged in an accident.
Are the minimum requirements enough to protect me in case of an accident?
While the minimum requirements provide a basic level of coverage, they may not be sufficient in all situations. If you cause an accident that results in significant injuries or damages, the minimum coverage may not be enough to cover all the expenses. It is advisable to consider higher coverage limits to adequately protect your assets.
What are the penalties for driving without insurance in Utah?
Driving without insurance in Utah can result in severe penalties, including fines, license suspension, vehicle impoundment, and even potential criminal charges. It is essential to have valid insurance coverage while driving in the state.
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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.