Utah law requires drivers to carry minimum auto liability insurance to legally operate a vehicle. The state follows an at-fault system, holding the driver responsible for accidents financially liable. Below is a detailed overview of Utah’s insurance requirements for 2025.
Legal Insurance Minimums for Utah Drivers
The state mandates the following minimum coverage limits:
- Bodily Injury Liability: $25,000 per person / $65,000 per accident
- Property Damage Liability: $15,000 per accident
These minimums are often referred to as 25/65/15 coverage.
Uninsured Motorist Coverage In Utah
Utah requires insurers to offer uninsured motorist (UM) coverage, but you may decline it in writing. Underinsured motorist (UIM) coverage is also available and recommended to protect against drivers with insufficient insurance.
Other Coverages Worth A Glance
Many drivers choose additional protection such as:
- Collision and Comprehensive Insurance
- Medical Payments Coverage
- Rental Reimbursement and Roadside Assistance
These options help cover vehicle damage and other related expenses not included in liability policies.
Driving Without Insurance in Utah?
Failure to maintain insurance in Utah can lead to:
- Fines
- Suspension of driver’s license and vehicle registration
- Requirement to file an SR‑22 certificate
Maintaining continuous coverage is critical to avoid these penalties.
Proof of Insurance
Drivers must carry valid proof of insurance and show it upon request during traffic stops, vehicle registration, or after accidents.
Frequently Asked Questions about Utah Car Insurance
What are Utah’s minimum car insurance requirements in 2025?
Utah requires a minimum of $25,000 in bodily injury liability per person, $65,000 per accident, $15,000 for property damage, and at least $3,000 in Personal Injury Protection (PIP) due to its no-fault laws.
Does Utah verify insurance electronically?
Yes. Utah uses an electronic insurance verification system to monitor coverage in real-time. Vehicles found uninsured may trigger automated DMV action.
What are the penalties for driving without insurance in Utah?
Penalties include a minimum $400 fine, possible license suspension, reinstatement fees, and a requirement to maintain SR-22 insurance for up to 3 years.
Can Utah suspend your registration for insurance lapses?
Yes. If Utah’s system detects a lapse in insurance, the DMV may suspend your vehicle registration and require proof of coverage to reinstate it.