Utah Auto Insurance: Rates, Minimums & 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 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.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
$76–$102/mo
Typical monthly rate in Utah, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage 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.