Car insurance · Utah
Car insurance requirements in Utah
Liability 30/65/25 and $3,000 no-fault (PIP). Claims system: no-fault.
Verified summaryAll Utah insurance topics
Requirements
Minimum car insurance requirements in Utah
| Coverage | Requirement in Utah |
|---|---|
| Bodily injury liability | $30,000 per person / $65,000 per accident (policies issued or renewed on or after January 1, 2025) |
| Property damage liability | $25,000 per accident |
| Injury protection | Personal injury protection (PIP): not less than $3,000 per person for medical expenses |
| Uninsured / underinsured motorist | Not covered in the statutes we reviewed. See Utah Code sections 31A-22-305 and 31A-22-305.3 |
What the law requires you to carry
- Bodily injury liability: at least $30,000 for one person and $65,000 for two or more people in one accident
- Property damage liability: at least $25,000 in one accident
- Or a single limit of $90,000 in one accident for bodily injury and property damage combined
- Personal injury protection: not less than $3,000 per person for medical expenses
Uninsured drivers
Uninsured motorist coverage in Utah
Not covered in the statutes we reviewed. See Utah Code sections 31A-22-305 and 31A-22-305.3.
Optional coverage
Coverage you can add in Utah
- Uninsured and underinsured motorist coverage
- Collision
- Comprehensive
- Higher PIP and liability limits
Penalties
Penalties for driving without insurance in Utah
Penalties for driving without required coverage are set by Utah law. Confirm current penalties with the Utah Division of Motor Vehicles.
Good to know
Other things to know in Utah
- Utah raised its minimum liability limits for policies issued or renewed on or after January 1, 2025 (HB 113, 2023). For policies issued or renewed on or before December 31, 2024, the minimums were $25,000, $65,000 and $15,000, and many websites still show those older numbers.
- Utah's PIP statute (section 31A-22-307) also lists funeral, burial or cremation benefits up to $1,500 per person and a $3,000 death benefit payable to heirs, in addition to medical expenses, income loss and household services.
- A 2026 bill (SB 199) proposed amendments to section 31A-22-304, the minimum-limits section. Confirm the current text of the code.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Utah
- Utah Insurance Department
- Website: insurance.utah.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Utah.
Home insurance resources and the health marketplace for Utah are on its overview page.