Utah law requires all drivers to maintain auto insurance before operating a vehicle. Unlike most states, Utah follows a no-fault system, which means Personal Injury Protection (PIP) is mandatory in addition to liability coverage. This ensures that your own policy helps cover medical expenses regardless of fault. Below is a full breakdown of Utah’s car insurance requirements for 2025.
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Legal Insurance Minimums for Utah Drivers
Utah requires the following liability coverage:
- Bodily Injury Liability: $25,000 per person / $65,000 per accident
- Property Damage Liability: $15,000 per accident
- Personal Injury Protection (PIP): Minimum $3,000 per person
This is often referred to as 25/65/15 plus PIP coverage.
Utah’s Personal Injury Protection (PIP) Requirement
Because Utah is a no-fault state, drivers must carry at least $3,000 in PIP coverage. This pays for initial medical expenses regardless of fault. Serious injuries may exceed this limit, allowing claims against the at-fault driver.
Uninsured Motorist Coverage in Utah
Insurance companies must offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, but drivers may decline in writing. Many Utahns choose to keep UM/UIM protection to safeguard against uninsured drivers.
Other Coverages Worth Considering
Utah only requires liability and PIP, but many drivers choose additional protection to avoid paying out-of-pocket for common situations. Here’s a breakdown of popular add-ons:
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Collision Coverage – Pays for repairs to your own vehicle after an at-fault crash or collision with another object.
Example: If you slide on black ice in Park City and hit a guardrail, collision coverage helps pay for your car’s repair costs. -
Comprehensive Coverage – Covers non-collision damage such as theft, vandalism, or natural disasters.
Example: A windstorm in Salt Lake City knocks a tree branch onto your parked SUV. Comprehensive coverage pays for the damage. -
Medical Payments Coverage (MedPay) – Provides extra medical coverage for you and your passengers, even if you’re at fault.
Example: After a minor fender-bender in Provo, MedPay can cover ambulance or ER bills that exceed your PIP limits. -
Rental Reimbursement – Pays for a rental car if your vehicle is being repaired after a covered claim.
Example: If a deer collision in rural Utah takes your car out of service, rental reimbursement covers a temporary replacement vehicle. -
Roadside Assistance – Helps with towing, flat tires, lockouts, or dead batteries.
Example: If your truck won’t start during a camping trip near Moab, roadside assistance can send a tow or jump-start service.
These optional coverages add peace of mind, especially for Utah drivers who face everything from icy mountain roads to wildlife crossings on rural highways.
Driving Without Insurance in Utah
Utah enforces strict penalties for uninsured drivers, including:
- Fines starting at $400 for the first offense
- License and registration suspension
- SR-22 certificate requirement (up to 3 years)
Utah’s Real-Time Insurance Verification
Utah operates a statewide electronic verification system that checks insurance status against DMV records. If a lapse is detected, drivers may receive a notice, face registration suspension, or be required to provide proof of coverage. This system makes it difficult to “fly under the radar” without insurance.
Proof of Insurance
Drivers must carry proof of insurance at all times and present it during traffic stops, registration renewals, or after an accident. Electronic proof via a smartphone app is accepted.
- 25/65/15 liability coverage
- At least $3,000 PIP (no-fault)
- Keep proof of insurance (paper or digital)
- Avoid lapses to prevent fines & SR-22
Frequently Asked Questions about Utah Car Insurance
What are Utah’s minimum car insurance requirements in 2025?
Utah requires $25,000 bodily injury liability per person, $65,000 per accident, $15,000 property damage liability, and $3,000 in PIP coverage.
Is Utah a no-fault state?
Yes. Utah requires PIP coverage under its no-fault system, meaning your insurance pays for initial medical expenses regardless of fault.
Does Utah verify insurance electronically?
Yes. Utah’s electronic verification system monitors coverage in real-time. A lapse may trigger DMV action automatically.
What are the penalties for driving without insurance in Utah?
Uninsured drivers face fines starting at $400, license and registration suspension, and mandatory SR-22 insurance for up to three years.
Can Utah suspend your registration for an insurance lapse?
Yes. If a lapse is detected, the DMV can suspend your registration until proof of coverage is provided.
Does Utah accept digital proof of insurance?
Yes. Drivers may present either paper ID cards or electronic proof of insurance on a smartphone.