Utah car insurance laws

Utah requires that drivers carry at least 30/65/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Utah drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Utah car insurance requirements

Utah requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Utah liability minimums are 30/65/25.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Utah PIP requirements are $3,000.

Geico has the lowest minimum car insurance rates, averaging $395.

The table below shows the top insurers' average rates for minimum coverage in Utah.

CompanyAverage annual premiumAverage monthly premium
Geico$395$33
Nationwide$429$36
Auto-Owners$432$36
Progressive$575$48
Iowa Farm Bureau$597$50
State Farm$641$53
Allstate$726$61
United Insurance Co$801$67
Farmers$867$72
USAA$360$30
Read our methodology

Utah car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $582. Car insurance rates for minimum coverage vary by company and driver. The table below shows average annual rates for the old minimum liability limits in Utah. We will soon revise the rates to align with the updated limits.

The cheapest company for minimum coverage in Utah is Geico at an average rate of $395 annually.

State minimum coverage limit25/65/15
Average annual premium$582
Average monthly premium$49
Read our methodology

Are the Utah minimum coverage requirements changing in 2025?

Utah car insurance requirements are changing in 2025. The previous liability limits were:

  • $25,000 for bodily injury or death per person
  • $65,000 for bodily injury or death per accident
  • $15,000 for property damage per accident

Liability limits increased on Jan. 1, 2025, to:

  • $30,000 for bodily injury or death per person
  • $65,000 for bodily injury or death per accident
  • $25,000 for property damage per accident

Additionally, Utah is an at-fault state, so drivers must carry $3,000 in personal injury protection (PIP). This amount has not changed.

What does minimum car insurance cover in Utah?

Utah requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Utah drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Utah is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Utah minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 30/65/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Utah?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Utah penalties for driving without car insurance

Since Utah requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Utah car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines$400
Other penaltiesLicense and registration suspension
Jail timeNo
Read our methodology

Utah minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $1,515. Geico offers the cheapest coverage for adults at $400.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $603, and the average rate for a 40-year-old male is $561, a difference of $42.

Male
AgeCompanyMale annual premiumMale monthly premium
16Nationwide$1,822$152
16Auto-Owners$2,062$172
16Geico$2,154$180
16State Farm$2,788$232
16Iowa Farm Bureau$2,997$250
16United Insurance Co$3,145$262
16Allstate$3,581$298
16Progressive$3,970$331
16Farmers$5,932$494
17Geico$1,579$132
17Iowa Farm Bureau$1,710$143
17Auto-Owners$1,844$154
17Nationwide$1,872$156
17State Farm$2,417$201
17United Insurance Co$2,706$226
17Progressive$2,740$228
17Allstate$3,040$253
17Farmers$4,963$414
18Geico$1,362$114
18Iowa Farm Bureau$1,595$133
18Auto-Owners$1,608$134
18Nationwide$1,826$152
18State Farm$2,071$173
18Allstate$2,240$187
18Progressive$2,292$191
18United Insurance Co$2,486$207
18Farmers$3,986$332
19Geico$903$75
19Progressive$1,287$107
19Allstate$1,303$109
19Iowa Farm Bureau$1,327$111
19Auto-Owners$1,351$113
19Nationwide$1,480$123
19State Farm$1,772$148
19United Insurance Co$2,093$174
19Farmers$2,204$184
20Geico$775$65
20Allstate$1,136$95
20Auto-Owners$1,149$96
20Progressive$1,157$96
20Nationwide$1,257$105
20Iowa Farm Bureau$1,300$108
20State Farm$1,519$127
20United Insurance Co$1,782$149
20Farmers$1,947$162
21Geico$586$49
21Nationwide$780$65
21Allstate$892$74
21Progressive$893$74
21Iowa Farm Bureau$967$81
21Auto-Owners$987$82
21Farmers$1,148$96
21State Farm$1,283$107
21United Insurance Co$1,440$120
22Geico$532$44
22Nationwide$714$60
22Allstate$819$68
22Progressive$819$68
22Auto-Owners$864$72
22Iowa Farm Bureau$889$74
22Farmers$1,091$91
22State Farm$1,145$95
22United Insurance Co$1,277$106
23Geico$497$41
23Nationwide$658$55
23Auto-Owners$754$63
23Progressive$754$63
23Allstate$780$65
23Iowa Farm Bureau$874$73
23Farmers$996$83
23State Farm$999$83
23United Insurance Co$1,155$96
24Geico$476$40
24Nationwide$616$51
24Auto-Owners$685$57
24Progressive$699$58
24Allstate$708$59
24Iowa Farm Bureau$819$68
24State Farm$877$73
24Farmers$959$80
24United Insurance Co$1,050$88
25Geico$430$36
25Nationwide$518$43
25Auto-Owners$552$46
25Iowa Farm Bureau$589$49
25Progressive$615$51
25Allstate$697$58
25State Farm$776$65
25United Insurance Co$928$77
25Farmers$969$81
30Geico$387$32
30Auto-Owners$424$35
30Nationwide$443$37
30Iowa Farm Bureau$562$47
30Progressive$566$47
30State Farm$639$53
30Allstate$696$58
30United Insurance Co$856$71
30Farmers$890$74
35Geico$382$32
35Nationwide$430$36
35Auto-Owners$434$36
35Progressive$559$47
35Iowa Farm Bureau$562$47
35State Farm$631$53
35Allstate$696$58
35United Insurance Co$790$66
35Farmers$835$70
40Geico$384$32
40Nationwide$418$35
40Auto-Owners$432$36
40Progressive$556$46
40Iowa Farm Bureau$562$47
40State Farm$641$53
40Allstate$696$58
40United Insurance Co$763$64
40Farmers$804$67
45Geico$381$32
45Nationwide$413$34
45Auto-Owners$418$35
45Progressive$555$46
45Iowa Farm Bureau$562$47
45State Farm$647$54
45Allstate$696$58
45United Insurance Co$758$63
45Farmers$773$64
50Geico$380$32
50Auto-Owners$402$34
50Nationwide$402$34
50Progressive$544$45
50Iowa Farm Bureau$545$45
50State Farm$637$53
50Allstate$722$60
50Farmers$745$62
50United Insurance Co$746$62
55Geico$379$32
55Nationwide$381$32
55Auto-Owners$393$33
55Iowa Farm Bureau$545$45
55Progressive$549$46
55State Farm$619$52
55Farmers$706$59
55Allstate$718$60
55United Insurance Co$723$60
60Nationwide$375$31
60Geico$394$33
60Auto-Owners$401$33
60Iowa Farm Bureau$545$45
60Progressive$551$46
60State Farm$602$50
60Farmers$727$61
60Allstate$729$61
60United Insurance Co$741$62
65Nationwide$402$34
65Geico$408$34
65Auto-Owners$443$37
65Iowa Farm Bureau$545$45
65Progressive$577$48
65State Farm$601$50
65Allstate$767$64
65Farmers$839$70
65United Insurance Co$842$70
70Nationwide$447$37
70Auto-Owners$517$43
70Geico$543$45
70Progressive$615$51
70State Farm$634$53
70Iowa Farm Bureau$667$56
70Allstate$767$64
70Farmers$945$79
70United Insurance Co$1,008$84
75Nationwide$518$43
75Geico$600$50
75Auto-Owners$602$50
75State Farm$705$59
75Progressive$729$61
75Iowa Farm Bureau$824$69
75Allstate$870$73
75Farmers$1,075$90
75United Insurance Co$1,232$103
16USAA$3,113$259
17USAA$1,704$142
18USAA$1,234$103
19USAA$954$80
20USAA$854$71
21USAA$622$52
22USAA$569$47
23USAA$520$43
24USAA$496$41
25USAA$452$38
30USAA$376$31
35USAA$366$31
40USAA$358$30
45USAA$347$29
50USAA$339$28
55USAA$339$28
60USAA$341$28
65USAA$367$31
70USAA$429$36
75USAA$505$42
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16Nationwide$1,535$128
16Auto-Owners$1,475$123
16Geico$2,214$185
16State Farm$2,223$185
16Iowa Farm Bureau$2,944$245
16United Insurance Co$2,598$217
16Allstate$3,796$316
16Progressive$3,744$312
16Farmers$5,376$448
17Geico$1,656$138
17Iowa Farm Bureau$1,690$141
17Auto-Owners$1,389$116
17Nationwide$1,579$132
17State Farm$1,923$160
17United Insurance Co$2,185$182
17Progressive$2,578$215
17Allstate$2,779$232
17Farmers$4,537$378
18Geico$1,346$112
18Iowa Farm Bureau$1,586$132
18Auto-Owners$1,271$106
18Nationwide$1,533$128
18State Farm$1,667$139
18Allstate$1,941$162
18Progressive$2,151$179
18United Insurance Co$2,038$170
18Farmers$3,684$307
19Geico$905$75
19Progressive$1,202$100
19Allstate$1,283$107
19Iowa Farm Bureau$1,488$124
19Auto-Owners$1,130$94
19Nationwide$1,234$103
19State Farm$1,444$120
19United Insurance Co$1,795$150
19Farmers$2,068$172
20Geico$766$64
20Allstate$1,011$84
20Auto-Owners$1,014$85
20Progressive$1,097$91
20Nationwide$1,101$92
20Iowa Farm Bureau$1,415$118
20State Farm$1,263$105
20United Insurance Co$1,553$129
20Farmers$1,814$151
21Geico$598$50
21Nationwide$709$59
21Allstate$843$70
21Progressive$886$74
21Iowa Farm Bureau$914$76
21Auto-Owners$919$77
21Farmers$1,040$87
21State Farm$1,089$91
21United Insurance Co$1,358$113
22Geico$539$45
22Nationwide$649$54
22Allstate$824$69
22Progressive$836$70
22Auto-Owners$856$71
22Iowa Farm Bureau$844$70
22Farmers$978$82
22State Farm$992$83
22United Insurance Co$1,168$97
23Geico$523$44
23Nationwide$601$50
23Auto-Owners$787$66
23Progressive$761$63
23Allstate$769$64
23Iowa Farm Bureau$824$69
23Farmers$906$76
23State Farm$873$73
23United Insurance Co$1,056$88
24Geico$508$42
24Nationwide$563$47
24Auto-Owners$731$61
24Progressive$716$60
24Allstate$713$59
24Iowa Farm Bureau$801$67
24State Farm$794$66
24Farmers$885$74
24United Insurance Co$982$82
25Geico$455$38
25Nationwide$494$41
25Auto-Owners$593$49
25Iowa Farm Bureau$639$53
25Progressive$647$54
25Allstate$743$62
25State Farm$718$60
25United Insurance Co$934$78
25Farmers$903$75
30Geico$411$34
30Auto-Owners$424$35
30Nationwide$449$37
30Iowa Farm Bureau$633$53
30Progressive$613$51
30State Farm$639$53
30Allstate$756$63
30United Insurance Co$876$73
30Farmers$875$73
35Geico$409$34
35Nationwide$448$37
35Auto-Owners$434$36
35Progressive$608$51
35Iowa Farm Bureau$633$53
35State Farm$631$53
35Allstate$756$63
35United Insurance Co$877$73
35Farmers$880$73
40Geico$406$34
40Nationwide$440$37
40Auto-Owners$432$36
40Progressive$593$49
40Iowa Farm Bureau$633$53
40State Farm$641$53
40Allstate$756$63
40United Insurance Co$839$70
40Farmers$930$78
45Geico$400$33
45Nationwide$427$36
45Auto-Owners$418$35
45Progressive$592$49
45Iowa Farm Bureau$633$53
45State Farm$647$54
45Allstate$756$63
45United Insurance Co$830$69
45Farmers$857$71
50Geico$399$33
50Auto-Owners$402$34
50Nationwide$408$34
50Progressive$573$48
50Iowa Farm Bureau$595$50
50State Farm$637$53
50Allstate$727$61
50Farmers$778$65
50United Insurance Co$767$64
55Geico$398$33
55Nationwide$390$33
55Auto-Owners$393$33
55Iowa Farm Bureau$605$50
55Progressive$556$46
55State Farm$619$52
55Farmers$716$60
55Allstate$723$60
55United Insurance Co$733$61
60Nationwide$386$32
60Geico$410$34
60Auto-Owners$401$33
60Iowa Farm Bureau$611$51
60Progressive$559$47
60State Farm$602$50
60Farmers$685$57
60Allstate$730$61
60United Insurance Co$744$62
65Nationwide$397$33
65Geico$415$35
65Auto-Owners$443$37
65Iowa Farm Bureau$616$51
65Progressive$588$49
65State Farm$601$50
65Allstate$767$64
65Farmers$760$63
65United Insurance Co$806$67
70Nationwide$427$36
70Auto-Owners$517$43
70Geico$526$44
70Progressive$624$52
70State Farm$634$53
70Iowa Farm Bureau$664$55
70Allstate$767$64
70Farmers$835$70
70United Insurance Co$901$75
75Nationwide$461$38
75Geico$549$46
75Auto-Owners$602$50
75State Farm$705$59
75Progressive$677$56
75Iowa Farm Bureau$796$66
75Allstate$872$73
75Farmers$937$78
75United Insurance Co$1,014$85
16USAA$2,884$240
17USAA$1,569$131
18USAA$1,123$94
19USAA$846$71
20USAA$765$64
21USAA$565$47
22USAA$513$43
23USAA$480$40
24USAA$465$39
25USAA$425$35
30USAA$377$31
35USAA$370$31
40USAA$362$30
45USAA$351$29
50USAA$343$29
55USAA$343$29
60USAA$345$29
65USAA$367$31
70USAA$418$35
75USAA$483$40
Read our methodology

Utah minimum coverage cost by city

St. George drivers pay the least for minimum coverage in Utah at $603. However, West Valley City pay the most at $773.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Utah.

CityAverage annual premiumAverage monthly premium
St. George$603$50
Layton$638$53
Ogden$665$55
South Jordan$674$56
Provo$676$56
Sandy$692$58
Salt Lake City$695$58
Orem$699$58
West Jordan$735$61
West Valley City$773$64
Read our methodology

Optional car insurance coverage in Utah

Utah requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Utah car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Utah?

Yes, Utah requires that you carry at least the minimum mandatory coverage. Necessary coverage includes PIP $3,000.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Utah?

If you're caught driving without car insurance in Utah, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Florida
$993/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Indiana
$417/year
Iowa
$260/year
Kansas
$434/year
Kentucky
$606/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
Nevada
$720/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Vermont
$306/year
Virginia
$428/year
Washington
$438/year
Washington, D.C.
$558/year
West Virginia
$510/year
Wisconsin
$365/year
Wyoming
$288/year
Show more
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