Utah Minimum Coverage Car Insurance: Requirements and Costs (September 2024)
Utah's minimum coverage liability limits are 25/65/15. On average, the cost of state minimum car insurance coverage in Utah is $659 annually or approximately $55 monthly.
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By Mark Fitzpatrick
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Head of Insurance, MoneyGeek
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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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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Reviewed by Mark Friedlander
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Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Edited by Lukas VeluntaLukas Velunta Senior Editor Lukas Velunta is a MoneyGeek senior editor with over 12 years of experience in economics, finance, management and consumer science content. He also works as a research editor, preparing articles from non-native English speakers for peer review in Q1 journals.
MF
By Mark Fitzpatrick
MF
Mark Fitzpatrick Head of Insurance, MoneyGeek 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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
MF
Reviewed by Mark Friedlander
MF
Mark Friedlander Director, Corporate Communications, Insurance Information Institute Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Edited by Lukas VeluntaLukas Velunta Senior Editor Lukas Velunta is a MoneyGeek senior editor with over 12 years of experience in economics, finance, management and consumer science content. He also works as a research editor, preparing articles from non-native English speakers for peer review in Q1 journals.
Updated: September 10, 2024 Advertising & Editorial DisclosureHere is the updated existing copy based on the new generated copy:
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 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 around $55 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.
These rates reflect the cost of minimum coverage car insurance requirements in Utah as of September 2024.
35,040 Quotes Analyzed 12 Companies Compared 48 ZIP CodesIn Utah, drivers must carry the following minimum coverage auto insurance to legally drive a vehicle:
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.
