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Utah Auto Insurance: Rates, Minimums & Requirements

Utah requires 25/65/15 liability coverage — $25,000 per person, $65,000 per accident for bodily injury, $15,000 for property damage — plus $3,000 in personal injury protection. Cost-conscious drivers with older vehicles pay $45–$75/month for state minimum coverage, while full coverage on financed cars averages $160–$210/month.

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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 mandatory personal injury protection (PIP), which pays your medical bills regardless of fault. All drivers must carry proof of financial responsibility and file SR-22 certificates after certain violations. The Utah Department of Insurance enforces these requirements through a real-time electronic verification system that flags uninsured vehicles.

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25/65 — $25,000 per person, $65,000 per accident
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. Utah's $25,000 per-person limit is lower than most states but the $65,000 per-accident total is slightly higher than surrounding states. A single hospitalization in Salt Lake City can exceed $50,000, meaning the state minimum leaves you exposed to personal asset seizure in serious crashes.
$15,000 per accident
Property Damage Liability
Pays for vehicle and property damage you cause. Utah's $15,000 minimum ranks among the lowest in the western U.S. — totaling a newer SUV or hitting a commercial vehicle can exceed this limit instantly. Many cost-conscious drivers increase property damage to $25,000 for an additional $8–$12/month to avoid out-of-pocket exposure.
$3,000 minimum
Personal Injury Protection (PIP)
Covers your medical bills, lost wages, and funeral expenses regardless of fault — Utah's defining insurance requirement. The $3,000 minimum covers basic urgent care but exhausts quickly with emergency room visits, which average $1,800–$3,500 in Utah. You can increase PIP to $10,000 or $25,000, but many budget-focused drivers rely on health insurance instead and accept the minimum.
Must be offered; can reject in writing
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Approximately 9% of Utah drivers are uninsured, concentrated in rural counties and along the Wasatch Front urban corridor. You must actively reject this coverage in writing — insurers include it by default at the same limits as your liability, typically adding $10–$18/month to minimum policies.
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 slightly below the national median, driven by lower claim frequency in rural areas and younger driver demographics. Rates vary sharply between urban Wasatch Front ZIP codes and rural regions — Salt Lake County drivers pay 30–45% more than residents in Cache or Iron counties due to accident density and theft rates.

What Affects Your Rate

  • Age under 25 increases minimum coverage premiums 60–85% — a 19-year-old in Provo pays $95–$140/month versus $50–$65 for a 40-year-old driver with the same record.
  • DUI or reckless driving conviction triggers SR-22 filing requirement, adding $25–$40/month to your base premium for three years through high-risk insurers.
  • ZIP code swing: 84101 (downtown Salt Lake City) averages $75–$105/month for minimum coverage versus $45–$60 in 84321 (Logan) due to accident frequency and auto theft rates.
  • Credit score impact: drivers with poor credit pay 50–70% more in Utah — minimum coverage jumps from $55/month to $90–$95/month with scores below 600.
  • Vehicle age has minimal effect on liability-only policies — a 2005 Honda Civic and a 2010 Toyota Camry cost nearly the same for minimum coverage, differing by only $3–$7/month.
  • Multi-policy discount: bundling renters insurance ($12–$18/month) reduces auto premiums by 8–15%, often saving $8–$12/month on minimum coverage.
Minimum Coverage
$45–$75/mo
State-required 25/65/15 liability plus $3,000 PIP. Does not cover your vehicle damage or theft. Best for older cars worth under $3,000 where repair costs exceed the vehicle's value.
Standard Coverage
$90–$135/mo
Increased liability to 100/300/50, higher PIP limits, and uninsured motorist. Still excludes collision and comprehensive — your vehicle damage remains out-of-pocket.
Full Coverage
$160–$210/mo
Adds collision and comprehensive with $500–$1,000 deductibles. Required by lenders on financed vehicles. Cost-justified only if your car's value exceeds $5,000–$6,000 and you cannot afford sudden replacement.

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Coverage Types

Liability Insurance

Covers damage and injuries you cause to others. Utah's 25/65/15 minimum leaves you personally liable for costs above these limits — a serious multi-vehicle accident can generate $200,000+ in claims.

Full Coverage

Combines liability, PIP, uninsured motorist, collision, and comprehensive. Pays for your vehicle damage regardless of fault, minus your deductible.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Includes hit-and-run incidents.

Collision Coverage

Pays to repair or replace your vehicle after a crash, regardless of fault, minus your deductible. Lenders require this on financed vehicles.

Comprehensive Coverage

Covers non-collision losses: theft, vandalism, hail, fire, flooding, and animal strikes. Pays actual cash value minus your deductible.

SR-22 Insurance

Not a coverage type but a certificate proving you carry minimum liability. Required after DUI, multiple violations, or driving uninsured.

Find Your City in Utah

Salt Lake City, Utah cityscape and street view

Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
West Jordan, Utah cityscape and street view

West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
American flag flying over small town with snow-capped mountains in background and autumn trees below

Sandy

suburban
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St. George

urban
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Ogden

urban
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Layton

suburban

Frequently Asked Questions

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