Save up to $400 on
Utah car insurance

Utah Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Utah mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to properly insure a vehicle will result in a Class “B” misdemeanor and a possible $400 fine as well as loss of driving privileges.

Utah Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Utah they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $65,000
  • Property Damage: $15,000
  • Personal Injury Protection: $3000

Utah Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Utah does not require this coverage.

No Fault Insurance
In Utah, you are not required to carry no-fault insurance. Utah is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.