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    Utah

    Utah car insurance requirements

    Build a custom insurance policy that meets your state’s requirements and helps protect you from unexpected events.

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    Minimum mandatory auto insurance in Utah

    Car insurance minimums typically provide enough coverage to help pay liability claims related to others’ accident-related injuries and property damages. Your liability minimums for Utah are:

    • $30,000 bodily injury liability per person (Motor Vehicle Insurance, 31A-22-304, rev. 2023).
    • $65,000 bodily injury liability per accident (Motor Vehicle Insurance, 31A-22-304, rev. 2023).
    • $25,000 property damage liability per accident (Motor Vehicle Insurance, 31A-22-304, rev. 2023).
    Uninsured motorist coverage protects you if you are in an accident with someone without insurance. Utah state law directly ties the required limits for uninsured motorist coverage to the required limits for bodily injury liability (Motor Vehicle Insurance, 31A-22-305, rev. 2024). Presently, that means:
    • $30,000 bodily injury liability per person.
    • $65,000 bodily injury liability per accident.
    Underinsured motorist coverage protects you if you are in an accident with someone without sufficient insurance. Your underinsured motorist policy requirements in Utah include:
    • $10,000 bodily injury liability per person (Motor Vehicle Insurance, 31A-22-305.3, rev. 2024).
    • $20,000 bodily injury liability per accident (Motor Vehicle Insurance, 31A-22-305.3, rev. 2024).

    Personal Injury Protection is sometimes called No-Fault insurance, and it covers your medical expenses and other related costs. In Utah, your minimum PIP must include:

    • $3,000 per person (Motor Vehicle Insurance, 31A-22-307, rev. 2023).

    Common Utah auto insurance coverages

    The following common car insurance coverages help provide basic financial protection from a variety of losses.
    a white car with a blue logo

    Collision coverage

    Collision coverage helps protect you from collision or rollover damages, no matter who caused the accident.

    If another car bumps into yours as they back out of a parking spot, collision coverage may assist with repairs you may need.

    a car with a sign on it

    Comprehensive coverage

    Comprehensive coverage helps protect you from damage caused by accidents that don’t involve colliding with another vehicle or object. Examples include hail damage, fire, flooding, theft, vandalism and collisions with animals.

    If your car is parked under a tree and a branch falls and damages the windshield, comprehensive coverage may help you cover the replacement costs.

    a white ambulance with orange stripes

    Bodily injury liability coverage

    If you cause a car accident that results in injuries, bodily injury liability coverage may help pay for accident-related medical treatment. It may also protect you if you're sued.

    If you hit another car and the other driver goes to the hospital with a broken bone, bodily injury liability may help compensates for their medical bill.

    a pair of medical tools

    Medical expense coverage

    If you were injured in a car accident, medical expense coverage may help pay for medical care for you and your passengers, regardless of who is at fault.

    If a car backs into yours and causes your passenger to hit their head and need stitches, medical expense coverage can help pay for their cost of treatment.

    Additional Utah car insurance coverages

    Add-on coverages help protect you from losses that would otherwise lead to potentially costly out-of-pocket expenses.
    a car with a flat tire

    Roadside assistance

    Get service and support if your car breaks down with emergency roadside assistance coverage.

    a person handing car keys to another person

    Rental reimbursement

    Cover transportation expenses while your vehicle is being repaired after a qualifying event.

    an accident involving a car and a motorcycle

    Underinsured coverage

    Protect yourself from accident-related losses if another driver doesn't have enough insurance.

    two cars involved in a rear-ending accident

    Uninsured coverage

    Help cover accident-related damages after a collision with an uninsured at-fault driver.

    This article is for informational purposes only and based on information that is widely available. While we believe it to be reliable and accurate, we do not guarantee the accuracy or reliability of the information. Please check your state and local laws.

    The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

     

    References

     

    Motor Vehicle Insurance, 31A-22-304 (rev. 2023). https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S304.html

    Motor Vehicle Insurance, 31A-22-305 (rev. 2024). https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S305.html

    Motor Vehicle Insurance, 31A-22-305.3 (rev. 2024). https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S305.3.html

    Motor Vehicle Insurance, 31A-22-307 (rev. 2023). https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S307.html