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

Name: Utah Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Item: Utah Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Author: Mark Fitzpatrick

Utah's state minimum coverage car insurance has liability limits of 25/65/15. On average, the cost of minimum coverage in Utah is $671 annually or approximately $56 monthly.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Myjel Guevarra

Updated: October 31, 2024

Advertising & Editorial Disclosure

Utah 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 $56 per month. Explore the cheapest car insurance in Utah for more affordable options.

TABLE OF CONTENTS

Utah Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Utah
Cheapest Companies in Utah for Minimum Coverage
Add-On Coverages in Utah
Penalties for Driving Without Insurance in Utah
FAQ

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

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

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

Many factors determine the cost of minimum coverage car insurance, but age is the most common. In Utah, drivers aged 22-29 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.


22-29	$810	$67
30-59	$671	$56
60 +	$692	$58

Cheapest Companies for Minimum Coverage Car Insurance in Utah

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: $464 per year; $39 per month

Always evaluate the provided protection against the cost to ensure you make 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 Insurance	$396	$33
Nationwide	$464	$39
Progressive	$495	$41
GEICO	$511	$43
Auto-Owners Insurance Co	$545	$45
American Family	$609	$51
Iowa Farm Bureau	$711	$59
Farmers	$815	$68
Allstate	$827	$69
Kemper	$864	$72
State Farm	$1,137	$95

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.
Collision Coverage	Repairs to your car after an accident, regardless of fault.	Damage due to theft, vandalism or natural disasters.
Comprehensive Coverage	Repairs to non-collision damages from events like theft, fire or hail.	Damages from a collision or personal injuries.
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the vehicle's breakdown site.	More extensive repairs needed at a garage.
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems.	Original parts that came with your vehicle.
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident.	Non-accidental death or injuries.
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars.	Regular use, like your daily commute.

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. Insurance protects you and others on the road and ensures that you're operating a vehicle legally, helping you 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.

Utah does not offer a specific state program for drivers struggling to get insured. 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.

WHY WAS MY POLICY CANCELED?

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

Non-Payment of Premium: The insurance company can cancel your policy if you miss paying your premiums.
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?

In Utah, the minimum coverage auto insurance requirements include $25,000 in bodily injury liability per person, $65,000 per accident and $15,000 in property damage liability. PIP is also mandatory, with a minimum limit of $3,000 per person. Uninsured/underinsured motorist coverage is not required by state law.

Why does Utah require minimum automobile liability coverage for motorists?

Utah mandates minimum coverage auto insurance to ensure that motorists can cover damages or injuries they may inflict on others in a car accident. This financial responsibility requirement helps protect drivers and victims from the potentially high costs of vehicle collisions.

Do you need comprehensive insurance in Utah?

While Utah state law doesn't mandate that drivers carry comprehensive insurance, it's a valuable addition for protecting their vehicles against non-collision events. Minimum coverage policies cover liability but won't pay for car damage from theft, weather or animal collisions.

Having comprehensive coverage in Utah is not a legal requirement, but lenders typically require it if you're financing or leasing a car. This type of policy protects against various situations that minimum coverage doesn't, such as theft, vandalism and natural disasters.

What happens if you drive uninsured in Utah?

Driving uninsured in Utah brings significant financial risk and legal penalties. If caught, you'll face a minimum fine of $400 for a first offense and increased fines for subsequent offenses. In addition to fines, your license and registration can be suspended until you provide proof of insurance and pay reinstatement fees.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.

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