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


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Updated: May 20, 2024

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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. Additionally, personal injury protection (PIP) is required at a minimum of $3,000. 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 around $44 per month. To explore further details about coverage, you can check out the minimum car insurance requirements or find the cheapest car insurance in Utah.

Why Trust MoneyGeek? MoneyGeek analyzed data from Utah Department of Insurance and Quadrant Information Services to give you the most accurate cost data for a range of Utah drivers.

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These rates reflect the cost of minimum coverage car insurance requirements in Utah as of June 2024.

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Utah Minimum Coverage Car Insurance Requirements

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.

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DOES UTAH REQUIRE COLLISION AND COMPREHENSIVE COVERAGE?

Utah does not legally require drivers to have collision or comprehensive coverage as part of the state minimum auto insurance. However, if you finance or lease a vehicle, lenders often mandate both types of coverage to protect their investment. This means that while you can legally drive with just the minimum liability coverage in Utah, obtaining collision or comprehensive insurance might be a contractual obligation when you have an outstanding loan or lease on your car.

What Does Minimum Coverage Cover?
What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you are at fault in an accident

Your injuries

Damage to another person’s property if you are at fault in an accident

Damages to your car

Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy

Repairs for weather-related accidents or if you were hit by an animal

Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

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.

Average Cost of Minimum Coverage Car Insurance in Utah

While many factors are considered for determining the cost of minimum car insurance rates, age is a key factor. In Utah, drivers between the ages of 22 and 29 face the highest premiums primarily due to inexperience on the road and a higher statistical likelihood of accidents.

The table illustrates the average cost of minimum coverage car insurance in Utah by age group.

22-29Annual Premium$642Monthly Premium$53
30-59Annual Premium$530Monthly Premium$44
60 +Annual Premium$549Monthly Premium$46

Cheapest Companies for Minimum Coverage Car Insurance in Utah

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

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

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

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Farmers Union InsuranceAnnual Premium$396Monthly Premium$33
NationwideAnnual Premium$433Monthly Premium$36
Auto-Owners Insurance CoAnnual Premium$438Monthly Premium$37
ProgressiveAnnual Premium$489Monthly Premium$41
GEICOAnnual Premium$502Monthly Premium$42
American FamilyAnnual Premium$585Monthly Premium$49
Iowa Farm BureauAnnual Premium$660Monthly Premium$55
FarmersAnnual Premium$721Monthly Premium$60

Optional Add-On Coverages in Utah

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.

Add-On Coverage
What It Covers
What It Doesn't Cover

Uninsured/Underinsured Motorist Coverage

Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance.

Damage to your vehicle if you are at fault or damages that exceed policy limits.

Personal Injury Protection (PIP)

Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault.

Vehicle damage or injuries to the other driver.

Roadside Assistance

Services like towing, flat tire changes and jump-starts when your car breaks down.

Cost of parts or repairs needed after the tow.

Gap Insurance

Pays the difference between your car's current value and what you still owe if it's totaled or stolen.

Vehicle depreciation or overdue loan payments.

Rental Car Reimbursement

The cost of a rental car while your vehicle is being repaired after a covered event.

Fuel, insurance or other rental extras.

Penalties for Driving Without Insurance in Utah

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.

What to Do if Your Policy Is Canceled

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.

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WHY WAS MY POLICY CANCELED?

Your car insurance policy in Utah may have been canceled for a few reasons:

Non-payment of premium: If you miss paying your premiums, the insurance company can cancel your policy.

Fraudulent claims: Filing false or exaggerated claims is a serious offense, leading to cancellation.

License suspension: Losing your driving privileges means you can't legally drive, hence the insurance becomes void.

Too many accidents: A high number of at-fault accidents signifies increased risk, prompting insurers to cancel policies.

FAQ: Utah Minimum Coverage Car Insurance

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

What is the minimum car insurance coverage in Utah?
Why does Utah require minimum automobile liability coverage for motorists?
Do you need comprehensive insurance in Utah?
What happens if you drive uninsured in Utah?

About Mark Fitzpatrick


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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.