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Utah Auto Insurance Rates & Coverage Requirements

Utah requires 25/65/15 minimum liability coverage — $25,000 per person for bodily injury, $65,000 per accident, and $15,000 for property damage. Average full coverage costs $140–$180/month, while minimum coverage runs $50–$75/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Utah operates as a no-fault state with modified tort rules, requiring drivers to carry Personal Injury Protection (PIP) alongside liability coverage. All drivers must provide proof of insurance at registration and carry evidence of coverage in the vehicle at all times. The Utah Insurance Department enforces these requirements through the state's uninsured motorist identification database, which cross-references registration records with active policies.

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25/65 ($25,000 per person, $65,000 per accident)
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Utah's $25,000 per-person limit can be exhausted quickly in serious injury crashes — the average emergency room visit for traumatic injuries runs $15,000–$30,000 before any ongoing treatment. Unlike most states that use 25/50 minimums, Utah requires the higher $65,000 per-accident limit to address multiple-victim scenarios common on I-15 and other high-speed corridors.
$15,000
Property Damage Liability
Pays for damage to other vehicles, buildings, fences, and structures you hit in an at-fault crash. The $15,000 minimum is among the lowest in the nation and falls short of the average new vehicle price in Utah, which exceeds $40,000. A single collision with a newer SUV or truck can exceed this limit, leaving you personally liable for the difference.
$3,000
Personal Injury Protection (PIP)
Covers your own medical expenses, lost wages, funeral costs, and survivor benefits regardless of who caused the accident — this is Utah's no-fault provision. Utah's $3,000 minimum PIP requirement is the lowest in the nation among no-fault states; most PIP states require $10,000 or more. You can reject PIP in writing if you have qualifying health insurance, but doing so eliminates your ability to sue for pain and suffering unless medical costs exceed $3,000.
Must be offered; can be rejected in writing
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Approximately 8% of Utah drivers operate without insurance despite the legal requirement, concentrated in rural counties and among unregistered out-of-state commuters along the Wasatch Front. Insurers must offer this coverage at limits matching your liability policy, but you can decline it by signing a written waiver.
State-Mandated Minimum Coverage · Utah

Utah Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$65,000
Property Damage$25,000

License Reinstatement Fee$40

Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.

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Cost Overview

Utah's average auto insurance costs sit below the national median, driven by lower population density outside the Wasatch Front and fewer weather-related comprehensive claims than coastal or tornado-prone states. Rates vary sharply between urban Salt Lake County and rural areas, with elevation, winter driving conditions, and proximity to ski resort corridors influencing premium calculations.

What Affects Your Rate

  • Salt Lake County drivers pay 20–30% more than residents in rural counties like Sanpete or Garfield due to higher accident frequency and theft rates along the I-15 corridor.
  • Winter weather losses increase premiums in mountainous counties — vehicles in Summit and Wasatch counties face elevated comprehensive claims from snow, ice, and wildlife collisions on canyon roads.
  • Credit-based insurance scores impact Utah rates significantly; drivers with poor credit pay 40–70% more than those with excellent credit for identical coverage.
  • The statewide uninsured driver rate of approximately 8% raises costs for insured drivers, who subsidize uninsured motorist coverage and higher liability exposure.
  • Young drivers ages 16–25 in Utah pay $180–$300/month for full coverage, reflecting crash rates that are 2–3 times higher than drivers over 30.
  • Drivers with a DUI conviction face rate increases of 80–150% and often require SR-22 certificate filing, which adds administrative costs and limits insurer options.
Minimum Coverage
$50–$75/mo
Meets Utah's 25/65/15 liability and $3,000 PIP requirements. Leaves you financially exposed in serious accidents and provides no protection for your own vehicle damage.
Standard Coverage
$95–$135/mo
Includes 100/300/100 liability limits, $10,000 PIP, uninsured motorist coverage, and collision/comprehensive with $500–$1,000 deductibles. Balances cost and protection for most drivers.
Full Coverage
$140–$180/mo
Provides 250/500/100 or higher liability, $25,000+ PIP, matched uninsured motorist coverage, and comprehensive/collision with lower deductibles. Appropriate for drivers with significant assets or newer financed vehicles.

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Utah's 25/65/15 minimums are mandatory but often insufficient in serious crashes — a single severe injury claim can reach six figures.

Full Coverage

Bundles liability, collision, comprehensive, PIP, and uninsured motorist protection into a complete package. Typically required by lenders on financed or leased vehicles.

Comprehensive Coverage

Pays for non-collision damage — theft, vandalism, weather, fire, animal strikes, and falling objects. Covers your vehicle after deductible regardless of fault.

Collision Coverage

Repairs or replaces your vehicle after a crash with another car or object, regardless of who caused the accident. Pays actual cash value minus your deductible.

Uninsured/Underinsured Motorist Coverage

Protects you when struck by a driver with no insurance or limits too low to cover your damages. Steps in where the at-fault driver's policy falls short.

SR-22 Insurance

Not a coverage type but a certificate filed by your insurer proving you carry state-required minimums. Required after DUI, reckless driving, or driving without insurance convictions.

Find Your City in Utah

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Salt Lake City

urban
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West Valley City

suburban
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West Jordan

suburban
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Frequently Asked Questions

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