Utah Minimum Auto Insurance Requirements (2024)
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: Jul 19, 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.
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: Jul 19, 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
- 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
Most states have minimum car insurance requirements and other related laws in place to protect all drivers on the road. Make sure to compare rates with our free comparison tool above today!
Utah is no exception to this rule. Having at least the minimum amounts of required auto insurance helps protect drivers and passengers should there be costly damages in an accident.
Decoding Car Insurance Requirements
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
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.
Personal Injury Protection (PIP)/Medical Payments
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.
What is Property Damage Liability?
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.
What is Collision Coverage?
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.
What is Comprehensive Coverage?
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.
Uninsured and Underinsured Motorist Coverage
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.
Reading and Understanding Your Auto Insurance Policy
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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What is the Minimum Required Coverage for Utah?
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.
What are the penalties for not having the auto insurance coverage 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.
Minimum Requirement vs. Recommended Coverage
While you may think you are adequately covered if you secure the minimum amount of auto insurance required by law, you are likely wrong.
The minimum amounts may not be enough to cover the costs of an accident that you are liable for. In these cases, you would have to pay out of pocket for the remainder of the damages that you caused.
Increasing your coverage types and amounts beyond what is mandated by Utah law will provide much more protection in the event of an accident.
Most financial and insurance industry experts agree that minimum amounts are not adequate and recommend adding other coverages as well as increasing your limits.
How Can I Get 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!
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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.