Utah Auto Insurance Requirements & Rates Guide
Utah requires 30/65/25 liability coverage and is a no-fault state.
Free to compare
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 traditional tort state where at-fault drivers are financially responsible for damages. All drivers must maintain continuous proof of insurance through the state's database verification system, which automatically flags uninsured vehicles to law enforcement. The Utah Insurance Department mandates that insurers report policy lapses within 30 days, and driving without coverage carries immediate registration suspension.
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
- Deer collision risk: Utah ranks 11th nationally for animal strikes, with over 3,500 reported deer collisions annually pushing comprehensive premiums higher in mountain counties
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others, including medical bills, lost wages, vehicle repairs, and legal defense. Utah's tort system allows injured parties to sue for damages beyond your policy limits.
Full Coverage
Bundles liability, collision, and comprehensive coverage to protect both your legal obligation to others and your own vehicle investment. Lenders require this on financed or leased vehicles.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, fire, flood, hail, falling objects, and animal strikes. Pays up to your vehicle's actual cash value minus your deductible.
Collision Coverage
Repairs or replaces your vehicle after accidents with another car, object, or single-vehicle rollovers regardless of fault. Critical protection given Utah's state minimum won't cover your own car.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or a hit-and-run driver. Acts as a safety net when the at-fault party cannot pay.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove continuous coverage after DUI, reckless driving, or license suspension. Not a separate policy, but a filing attached to your existing coverage.