Utah Car Insurance Requirements (Updated for 2025)

Utah law mandates that all drivers maintain minimum liability insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of January 1, 2025, the minimum required liability insurance limits in Utah are:

• Bodily Injury Liability: $30,000 per person / $65,000 per accident
• Property Damage Liability: $25,000 per accident
• Personal Injury Protection (PIP): $3,000 per person

Note: Utah operates under a no-fault insurance system, meaning your own insurance covers your medical expenses and lost wages regardless of who caused the accident. PIP coverage is mandatory and helps with medical costs and, in some cases, lost wages. Drivers may reject the “loss of income” portion of PIP in writing.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device. Utah utilizes an electronic insurance verification system to confirm insurance status.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in Utah are as follows:

• First Offense: Fine up to $400, license suspension, and vehicle registration suspension with a $100 reinstatement fee.
• Subsequent Offenses: Increased fines and extended suspension periods.
• Reinstatement: To reinstate vehicle registration, the owner must present evidence of insurance coverage and pay the reinstatement fee.

Additionally, if you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form must be maintained for a specified period, typically three years, to reinstate your driving privileges. Failure to maintain SR-22 coverage can result in further penalties and extended suspension periods.

💡 Optional Coverages to Consider

• Uninsured/Underinsured Motorist Coverage: While not required, carrying this coverage is highly recommended to protect yourself against drivers who don’t have enough insurance. You may reject this coverage in writing.
• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums vary depending on factors like driving history, location, vehicle type, and coverage choices. Comparing quotes from multiple providers is recommended to find the best coverage at the most competitive rates.

📌 FAQs

Is Utah a no-fault state?

Yes, Utah is a no-fault state, meaning your own insurance covers your medical expenses and lost wages regardless of who caused the accident.

What is an SR-22 in Utah?

An SR-22 is a certificate of financial responsibility filed with the state, often required after certain violations like driving without insurance.

Can I drive without insurance if I pay out-of-pocket for damages?

No, Utah requires all drivers to carry minimum liability insurance regardless of ability to pay damages out-of-pocket.