Car Insurance in Utah
Utah requires drivers to carry 25/65/15 in liability coverage plus $3,000 in personal injury protection (PIP). The $65,000 per-accident floor is unusual — most states use $50,000. As a no-fault state, your PIP pays your medical bills after a crash regardless of fault.
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Utah at a glance
Data as of 2023Average cost
$1,169/yr
≈ $97/mo
vs U.S. average
-9%
below the national avg of $1,282/yr
Required minimums
25/65/15
+ $3K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Utah requires drivers to carry 25/65/15 in liability coverage plus $3,000 in personal injury protection (PIP). The $65,000 per-accident floor is unusual — most states use $50,000. As a no-fault state, your PIP pays your medical bills after a crash regardless of fault.
Utah’s no-fault threshold is relatively low (a tort claim can proceed once medical bills exceed $3,000). Comparing quotes is the easiest way to meet the unusual limits affordably.
Utah minimum car insurance requirements
Utah requires $25,000 of bodily injury liability per person, $65,000 per accident, $15,000 in property damage liability, and $3,000 in PIP. Lenders require collision and comprehensive on financed vehicles.
Utah’s 25/65/15 limits are unusual — the per-accident floor is $65,000, not the more common $50,000. PIP of $3,000 is required as part of the no-fault system.
How much does car insurance cost in Utah?
The average driver in Utah pays $1,169 per year for auto insurance — that's 9% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Utah vs the national average
9% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Utah premiums have changed since 2019
Auto insurance costs in Utah have risen 22% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Utah vs national average
Utah is up 22% from $955 in 2019 to $1,169 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Utah policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Utah
Driving uninsured in Utah can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Utah
Rates for the same driver can vary widely between insurers in Utah, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Utah car insurance FAQs
Common questions about auto insurance in Utah
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