Utah Car Insurance Requirements

Utah car insurance requirements are 25/65/15 in minimum liability with an additional $3,000 minimum in personal injury protection. Utah auto insurance regulations require all drivers to maintain a car insurance policy and charge heavy fines for those who drive without insurance. Utah is a no-fault state, and each driver is responsible for covering their injuries after an accident or collision.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

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Utah is a no fault insurance state and their insurance laws vary from the many other states that follow a tort system. The state requires all drivers to maintain a car insurance policy and has heavy fines for not maintaining coverage. Stay current on the specific regulations instituted by the state to keep from paying fines or having your license/registration suspended.

Similar to New York insurance law, Utah is a no fault state. Under a no fault insurance system, each vehicle’s insurance company pays for their own damages rather than declaring one party to be at fault. A no fault state usually limits the rights of a driver to sue after an accident, but the repayment process is usually faster.

Required Coverage

All personal vehicles in Utah require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Also, the state requires:

  • Personal Injury Protection (PIP)
Minimum Utah Car Insurance Requirements
Bodily Injury Liability $25,000 / $65,000 Limit
Property Damage Liability $15,000 Limit
Personal Injury Protection $3,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist

Comprehensive and collision coverage usually a grouped together. Collision covers accident related damage to your vehicle while comprehensive covers non-collision related incidents such as hail damage or a fire. It also covers you if your vehicle is stolen. The most stolen vehicles in Utah are listed on our site for you to look at.

Uninsured or underinsured motorist insurance adds a further line of protection to you if you’d like it, but since Utah is a no fault state, the main benefit you receive from it is paying for lost wages if you are in an accident with someone who doesn’t have insurance.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
    • When asked by a police officer
    • After receiving a letter from the DMV
    • After an accident
    • When registering or renewing your vehicle’s registration
    • Anytime you are operating a vehicle
    • Suspension of license and/or registration
    • Fines of no less than $400 for a first offense and $1,000 for subsequent offenses
    • $100 registration reinstatement fee
    • Requirement to provide an SR-22
  • You must maintain proof of insurance and financial responsibility and present it:

    Failure to Maintain Financial Responsibility Penalties

    If you are unable to show proof of insurance, you can face the following penalties:

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