What is the minimum car insurance required in Utah?

Bodily injury liability of $25,000 per person and $65,000 per accident, property damage liability of $15,000 per accident, and personal injury protection of at least $3,000 per person. A combined single limit of $80,000 satisfies the bodily injury requirement instead.

Why is Utah’s requirement 25/65 instead of 25/50?

Utah sets its per-accident bodily injury figure at $65,000 where nearly every other state uses $50,000. It is simply a different statutory number — but it means a quote showing 25/50 is not a compliant Utah policy, which is worth checking when comparing.

Is Utah a no-fault state?

Yes. Your own personal injury protection pays your medical costs first regardless of who caused the crash, and your ability to sue the at-fault driver for general damages is limited unless your injuries meet a statutory threshold.

Is $3,000 of PIP enough in Utah?

It is the legal minimum, but it is genuinely thin — a single emergency room visit with imaging can exhaust it. Because PIP is the first coverage to respond in a no-fault state, raising it above the floor is one of the more worthwhile changes on a Utah policy.

Is uninsured motorist coverage required in Utah?

It is not part of the minimum requirement, though carriers must offer it. In a state where your own coverage responds first, it is worth pricing rather than declining by default.

Utah

Auto insurance in Utah: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Utah is a no-fault state with a requirement written slightly differently from everyone else’s: 25/65/15, where that middle figure is $65,000 rather than the $50,000 nearly every other state uses. Utah also compels personal injury protection, but sets the floor at just $3,000 — enough for an emergency room visit and not much beyond it. The gap between what Utah requires and what a Utah driver actually needs is unusually specific, and unusually easy to close.

Advertiser disclosure. We may be compensated when you connect with a provider through this site. This affects which options appear and where, but not our editorial assessments. How we make money

Question 1 of 3

What’s your ZIP code?

60 seconds to complete No obligation Free service

What Utah requires you to carry

Minimum liability limits in Utah — 25/65/15
Bodily injury, per person	$25,000
Bodily injury, per accident	$65,000
Property damage, per accident	$15,000

Utah also requires

Personal injury protection — $3,000 per person minimum: Utah is a no-fault state, and PIP is the mechanism. It pays medical expenses, lost income and essential services for anyone injured in your vehicle regardless of who caused the crash. The $3,000 floor is low — it is exhausted by a single emergency room visit and some imaging.

These are floors, not recommendations. Utah sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Utah enforces it

Utah requires a current policy covering no-fault, bodily injury and property damage liability to be maintained on every registered vehicle for the whole registration period — not merely at the moment of registration. The state verifies electronically against carrier data, so a gap surfaces without a traffic stop.

How rates are set in Utah

Utah is a no-fault state. After a crash your own personal injury protection pays your medical costs first regardless of who was at fault, and your ability to sue the other driver for general damages is limited unless your injuries clear a statutory threshold.

The Utah Insurance Department regulates carriers and publishes comparison material, including periodic rate comparison tables — a rare example of a regulator putting competitive pricing data in front of consumers. Utah is a competitive-rating state, so carriers apply their own filed models.

The statutory framework sits in Utah Code Title 31A, Chapter 22. A combined single limit of $80,000 satisfies the bodily injury requirement in place of the split 25/65 structure.

Credit-based insurance scores in Utah

Utah permits credit-based insurance scores in rating. Utah has grown quickly along the Wasatch Front and carriers have re-rated at different speeds, which widens the spread between quotes more than in a stable market.

What actually moves your premium here

The odd middle number is not a typo

Utah requires 25/65/15 — a $65,000 per-accident bodily injury figure where almost every other state uses $50,000. If a quote shows you 25/50, it is not a compliant Utah policy. This is the single most common thing to check when comparing quotes gathered from national tools that default to the more usual number.

No-fault with a very low PIP floor

Utah is a no-fault state, which means your own PIP responds first for medical costs. But at a $3,000 minimum, that coverage runs out almost immediately in any real injury. Raising PIP is usually inexpensive and is the coverage most mismatched to its purpose at the statutory floor.

Inversion season is a genuine claims driver

Winter inversions along the Wasatch Front produce sustained poor visibility and icy surfaces in the state’s densest corridor. That drives collision frequency through the winter months in exactly the ZIPs where most Utahns live.

Canyon and interstate severity

Utah combines dense Wasatch Front commuting with long high-speed interstate runs and steep canyon roads. The mix produces both frequency and severity, which is why the state’s higher-than-usual bodily injury requirement is not unreasonable.

See what you’d be matched with in Utah

Question 1 of 3

What’s your ZIP code?

Comparing carriers in Utah

Check the middle number on every quote. Utah’s $65,000 per-accident bodily injury requirement is unusual enough that quoting tools built around the national norm sometimes present a 25/50 configuration that would not be issuable here.

Price PIP above $3,000. In a no-fault state your own PIP is the first thing that responds to your injuries, and the statutory floor is far below what a real injury costs.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Utah

Utah requires an SR-22 filing after certain suspensions, including driving without insurance and DUI convictions. Your insurer files it with the Driver License Division and must notify the state if the policy lapses. Confirm the period that applies to your case with the Division, since it runs from your reinstatement date.

Utah auto insurance FAQ

What is the minimum car insurance required in Utah?: Bodily injury liability of $25,000 per person and $65,000 per accident, property damage liability of $15,000 per accident, and personal injury protection of at least $3,000 per person. A combined single limit of $80,000 satisfies the bodily injury requirement instead.
Why is Utah’s requirement 25/65 instead of 25/50?: Utah sets its per-accident bodily injury figure at $65,000 where nearly every other state uses $50,000. It is simply a different statutory number — but it means a quote showing 25/50 is not a compliant Utah policy, which is worth checking when comparing.
Is Utah a no-fault state?: Yes. Your own personal injury protection pays your medical costs first regardless of who caused the crash, and your ability to sue the at-fault driver for general damages is limited unless your injuries meet a statutory threshold.
Is $3,000 of PIP enough in Utah?: It is the legal minimum, but it is genuinely thin — a single emergency room visit with imaging can exhaust it. Because PIP is the first coverage to respond in a no-fault state, raising it above the floor is one of the more worthwhile changes on a Utah policy.
Is uninsured motorist coverage required in Utah?: It is not part of the minimum requirement, though carriers must offer it. In a state where your own coverage responds first, it is worth pricing rather than declining by default.

Sources

Requirements on this page were verified against Utah’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Utah: Utah Insurance Department, (801) 957-9200.