Utah just raised its minimums. For policies issued or renewed on or after January 1, 2025, the liability floor is 30/65/25, $30,000 of bodily injury coverage per person, $65,000 per accident, and $25,000 for property damage, up from the old 25/65/15 under Utah Code §31A-22-304. A single-limit policy of at least $90,000 also satisfies the law. Existing minimum policies moved to the new limits automatically at renewal.
Utah is also one of the country's few no-fault states: every policy must include personal injury protection of at least $3,000 per person, which pays your own medical bills after a crash regardless of who caused it. Between the new limits and the PIP mandate, a minimum Utah policy in 2026 is a different product than it was two years ago, and carriers repriced the change differently, which is worth checking with fresh quotes rather than assuming your renewal handled it well.
The figures below explain the policy structure used in Utah. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Utah minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $30,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $65,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- PIP required, at least $3,000 per person (no-fault state)
- What it generally addresses
- Initial covered injury benefits under the no-fault system
- Coverage
- Additional state rule
- Required amount or rule
- Single-limit alternative: $90,000 combined for one accident
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- No-fault
- What it generally addresses
- Your own injury coverage may respond first
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $30,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $65,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | PIP required, at least $3,000 per person (no-fault state) | Initial covered injury benefits under the no-fault system |
| Additional state rule | Single-limit alternative: $90,000 combined for one accident | Review the selection or rejection shown on the quote |
| Accident framework | No-fault | Your own injury coverage may respond first |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Utah
State law is only the starting point. These Utah-specific details show what to confirm before you compare coverage or buy a policy.
How Utah's no-fault system works
After a crash, your own PIP pays your initial medical expenses, at least $3,000 per person, per Utah Code §31A-22-307, no matter who was at fault. That keeps small-injury claims out of court. You can step outside the no-fault system and sue the at-fault driver for pain and suffering only if your medical expenses exceed the statutory threshold or the injury is serious as defined by statute (dismemberment, permanent disability or disfigurement, or death).
The $3,000 PIP floor is the lowest of any no-fault state, and a hospital visit can pass it quickly. Insurers sell higher PIP limits, and the price of stepping up from the minimum varies noticeably from carrier to carrier, a specific line worth watching when comparing Utah quotes.
What changed on January 1, 2025
The per-person bodily injury minimum rose from $25,000 to $30,000, property damage jumped from $15,000 to $25,000, and the single-limit alternative moved from $80,000 to $90,000. The per-accident bodily-injury figure stayed at $65,000, Utah's split limits were already unusual in that respect.
If you carried minimum coverage before 2025, your limits increased automatically at renewal, and the premium likely moved with them. A limits increase mandated by law hits every carrier's book at once, but they don't all pass it through equally, renewals after a statutory change are one of the moments when switching carriers most often pays.
SR-22s in Utah
Utah requires SR-22 filings after DUI convictions, alcohol-related offenses, driving without insurance, and certain suspensions, generally maintained for three years. The certificate proves you carry at least the state minimums, now 30/65/25. As everywhere, the filing is cheap and the violation surcharge is not; the surcharge is also the number that varies most between carriers, which is why SR-22 drivers see the widest quote spreads.
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Start a Utah quote requestWhat affects car insurance rates in Utah?
Average annual expenditure for auto insurance in Utah was $1,026 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Utah ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Utah car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Utah. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Utah city
State law applies across Utah, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Utah page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is Utah Code §31A-22-304 (liability, amended eff. Jan. 1, 2025) & §31A-22-307 (PIP); Utah Insurance Department. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Utah Insurance Department — Auto liability and PIP ↗Official state guidance describing Utah's current minimum liability and no-fault PIP requirements.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Utah car insurance FAQs
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