What are the minimum requirements for auto insurance in Utah?

All drivers who reside in the Beehive State are required to have liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $65,000 in total bodily injury per accident
  • $15,000 in property damage per accident

Keep in mind that you can always increase your auto liability coverage limits to better protect your assets.

Utah also requires personal injury protection (PIP) with the following minimum limits:

  • PIP: $3,000 minimum

PIP can cover medical expenses, as well as lost wages and death benefits, even if you're at fault in an accident.

Get vehicle protection with comprehensive and collision coverage

If you lease or finance a car, most lenders will require you to carry comprehensive and collision coverage. But even if your car is paid off, they’re still worth adding in the event your vehicle is damaged or stolen in a covered incident.

Save a bundle when you bundle! New customers who save bundling home and auto save over 20% on average.*

What will car insurance in Utah cost?

Rates vary based on your driving history, ZIP code, coverage selections, and other factors.

Do you offer any discounts that can drive down my car insurance cost?

Progressive can help you secure cheaper auto insurance in Utah with discounts such as:

  • Multi-policy
  • Five-year accident-free
  • Non-drinker
  • Paid in full
  • Multi-car
  • Homeowner
  • Online signature
  • Online quote

See all auto insurance discounts.

Fast facts about driving and insurance in Utah

  1. Utah lowered the blood alcohol limit for drivers from .08 to .05 percent. This state now has the strictest blood alcohol limit in the nation. A DUI violation could result in your car insurance rate increasing.

  2. Driving without auto insurance in Utah can be costly. The fine is $400 for you first offense and increases to $1000 for your second offense.

  3. Utah is a no-fault state, which means drivers are required to carry coverage that can pay for their own injuries resulting from an auto accident, regardless of fault. Learn more about no-fault insurance.

How to get car insurance in Utah


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