Utah Auto Insurance Rates & Requirements 2025
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Utah operates under a no-fault insurance system, requiring drivers to carry personal injury protection (PIP) to cover their own medical expenses regardless of who caused the accident. The state mandates electronic verification of insurance through a real-time database monitored by the Utah Department of Public Safety. Utah is one of only 12 no-fault states, which limits the ability to sue for minor injuries but reduces litigation costs.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $97/mo
Average car insurance spending in Utah
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Utah's no-fault system still requires robust liability limits because you can be sued for serious injuries exceeding the tort threshold.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal exposure and your vehicle's value. Essential for financed vehicles and recommended for cars worth over $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather, and animal strikes. Covers vehicle repair or replacement up to actual cash value minus your deductible.
Collision Coverage
Covers damage to your vehicle from accidents with other cars or objects, regardless of fault. Pays repair costs or actual cash value if totaled, minus your deductible.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Utah law requires insurers to offer this at your liability limits.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove you carry Utah's minimum coverage, required after DUI, reckless driving, or driving without insurance convictions.