Utah car insurance requirements
Every driver in Utah must carry at least this coverage. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash.
| Coverage | Minimum required |
|---|---|
| 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 |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Utah drivers should know
- Utah requires at least 30/65/25 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Utah is a no-fault state with 30/65/25 liability minimums, and PIP pays your first $3,000 of medical costs.
Home insurance in Utah
- Wildfire risk is rising across the region, and some insurers price or limit coverage in high-risk areas — comparing several companies helps.
- Hail is a frequent cause of roof claims, often with a separate wind and hail deductible.
- The Wasatch Front sits on an active fault line — earthquake coverage is a separate add-on.
Ways to save in Utah
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.