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Utah Car Insurance Minimum Requirements

Utah requires at least 30/65/25 liability coverage. That is $30,000 for injuries to one person, $65,000 per accident and $25,000 for property damage.

Shorthand
30/65/25

The per-accident bodily injury figure is $65,000, not the doubled per-person figure most states use. Those three numbers are also only the liability half of a Utah policy: personal injury protection is mandatory on top of them, and uninsured and underinsured motorist coverages are included unless you reject each one in writing. A driver may satisfy the liability requirement instead with a single combined limit of $90,000 per accident.

Bodily injury — per person
$30,000

Applies to a policy issued or renewed on or after January 1, 2025. A policy issued or renewed on or before December 31, 2024 was allowed to stop at $25,000, and a self-insured private rental fleet may still write $25,000.

Bodily injury — per accident
$65,000
Property damage
$25,000

Raised from $15,000 for a policy issued or renewed on or after January 1, 2025.

Uninsured / underinsured motorist
Both included unless rejected in writing

Utah writes uninsured and underinsured motorist coverage into every policy sold to satisfy the security requirement, and each one falls away only if the named insured rejects it by an express writing on the insurer's own form. On a new policy the default limits equal the lesser of your liability limits or the highest limits the insurer offers, so lowering them also takes a signed acknowledgment. Uninsured motorist coverage may not be sold below the minimum bodily injury liability limits; underinsured motorist coverage may not be sold below $10,000 per person and $20,000 per accident. Carriers of passengers for hire and school districts must carry at least $25,000 per person and $500,000 per accident of uninsured motorist coverage.

Personal injury protection (PIP)
Required on every vehicle except motorcycles

Personal injury protection is a required component of any policy bought to meet Utah's security requirement, and deductibles on it are not permitted. Motorcycles, off-highway vehicles, street-legal all-terrain vehicles, trailers and semitrailers are exempt, and their riders are not covered by personal injury protection for injuries suffered while operating them. One narrow waiver exists: a named insured and spouse who had no earned employment income in the 31 days before applying, and expect none for 180 days, may waive the lost-income benefit in writing.

PIP minimum limit
$3,000

$3,000 per person for medical, surgical, X-ray, dental, rehabilitation, ambulance, hospital and nursing services. Utah's package then adds separate pots on top of that figure: lost income at the lesser of $250 per week or 85% of gross income for up to 52 weeks, a household services allowance of up to $20 per day for up to 365 days, up to $1,500 in funeral, burial or cremation benefits, and a $3,000 death benefit payable to the heirs.

Property damage minimum — where Utah sits
Utah sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.$5,000$50,000

Utah sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Utah compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $30,000 is the most the policy pays for any single person's injuries. $65,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $30,000 is all your insurer owes, however large the bill. Injure three people and they divide $65,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Utah drivers actually spend. The average premium written per insured vehicle here was $378 in 2023, 35th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Utah will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Utah?

Both included unless rejected in writing.

Is PIP required in Utah?

Required on every vehicle except motorcycles.

Is full coverage required in Utah?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Utah law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Utah

What changed

Why the rule looks like this

More on Utah

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.