Utah Auto Insurance Rates & Coverage Requirements
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 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.
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
What Affects Your Rate
- 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.
Check Your Rate Against the Market
Compare Auto Rates for FreeCoverage 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.