Utah Minimum Coverage Car Insurance: Requirements and Costs (October 2024)

Utah's state minimum car insurance requirements include a minimum of $25,000 in bodily injury liability per person, $65,000 per accident and $15,000 in property damage liability. Personal injury protection (PIP) is also required at a minimum of $3,000 per person. As a no-fault state, Utah requires drivers to have insurance that pays personal injury claims up to a specified limit, regardless of who caused the accident.

The cost for state minimum car insurance in Utah averages $55 per month. Explore the cheapest car insurance in Utah for more affordable options.

In Utah, drivers must carry the following minimum coverage auto insurance to legally drive a vehicle:

• $25,000 bodily injury liability per person
• $65,000 bodily injury liability per accident
• $15,000 property damage liability per accident
• $3,000 personal injury protection per person

Insurance premiums in Utah are significantly influenced by its status as a no-fault state. This means that in the event of an accident, each driver's insurance coverage is primarily responsible for their own medical expenses, regardless of who is at fault. Being a no-fault state typically leads to higher insurance premiums because insurance companies bear the financial responsibility for their policyholder’s initial accident-related expenses.

The table reflects Utah's minimum coverage auto insurance requirements, including bodily injury and property damage liability. Remember, individual policy terms and conditions determine specific coverage details.

Many factors determine the cost of minimum coverage car insurance, but age is the most common. In Utah, drivers aged 22 to 29 experience the highest premiums due to their higher risk for accidents and less driving experience.

The table below shows the average minimum coverage cost in Utah per age group, detailing annual and monthly premiums.

In Utah, Farmers Union Insurance and Nationwide are the most budget-friendly options for meeting the state minimum coverage for car insurance.

• Farmers Union Insurance: $396 per year; $33 per month
• Nationwide: $433 per year; $36 per month

Always evaluate the provided protection against the cost to ensure you're making an informed decision. Discover the best car insurance in Utah to make a choice that's right for you.

In Utah, drivers can opt for add-on coverages, such as collision, comprehensive, uninsured motorist coverage and rental car reimbursement. These coverages protect against various unforeseen events like theft, weather damage or accidents with uninsured drivers. While these are not mandated by law, they can significantly bolster your financial protection on the road. For insights into how much car insurance you need, it's beneficial to assess risks and personal circumstances.

The cost of a ticket for driving without insurance in Utah varies depending on whether it's your first time being caught or if you've had previous offenses. For a first-time offender, penalties may be less severe but still significant. Repeat offenders can expect harsher consequences.

Additional penalties for driving without insurance in Utah may include:

• Vehicle impoundment: Your car may be taken away, and you'll have to pay to get it back.
• Vehicle registration suspension: The ability to legally drive your car can be taken away.
• License suspension and reinstatement fee: Your driver’s license may be suspended, requiring payment to restore it.
• SR-22 requirement: You might need to provide proof of future financial responsibility.
• Up to six months in jail: This applies if you're involved in an accident without insurance.

It's important to carry minimum coverage auto insurance as required by Utah law. Not only does insurance protect you and others on the road, but it also ensures that you're operating a vehicle legally, helping avoid these costly penalties.

If your car insurance policy is canceled in Utah, immediately seek new coverage. Driving without insurance is illegal, so stop using your vehicle until you secure a new policy. Reach out to an insurance agent or explore different insurers to find a new plan that suits your needs.

The DMV will be notified that you are uninsured. In Utah, insurance companies are required to report cancellations to the state's DMV. If you're caught without insurance, you could face fines, have your license suspended or experience other legal consequences.

For drivers struggling to get insured, Utah does not offer a specific state program. However, you can consider the Utah Automobile Insurance Plan (UAIP) for high-risk drivers. It's essential to maintain at least the state minimum coverage in Utah.

Here, you'll find answers to common questions about Utah's state minimum car insurance requirements.