Key Takeaways
- Utah requires minimum liability of 25/65/15 (unique bodily injury limit)
- Personal Injury Protection (PIP) is mandatory: $3,000 minimum
- Utah operates a modified no-fault system
- Proof of insurance must be carried at all times
- Uninsured motorist coverage strongly recommended
Last updated: January 2026
Utah Auto Insurance Requirements
Minimum Liability: 25/65/15
Utah has unique liability limits:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury - Per Person | $25,000 |
| Bodily Injury - Per Accident | $65,000 (unique) |
| Property Damage | $15,000 |
Note: Utah's 65,000 per-accident bodily injury limit is higher than most states (which use 50,000).
Mandatory PIP Coverage
Utah is a modified no-fault state requiring:
Personal Injury Protection (PIP)
- Minimum: $3,000 per person
- Covers: Medical expenses, lost wages, funeral
- No-fault: Pays regardless of fault
- Work loss: Includes disability benefits
- Survivors: Benefits to survivors if death
Utah's No-Fault System
Modified No-Fault with Threshold
Utah operates no-fault with lawsuit threshold:
Threshold for Lawsuit:
- Medical expenses exceed $3,000, OR
- Permanent disability or disfigurement, OR
- Death
If threshold not met:
- Each driver's PIP pays their bills
- Cannot sue for pain and suffering
If threshold met:
- Can pursue traditional tort claim
- Can sue at-fault driver for all damages
Proof of Insurance
Required:
- Carry insurance card (paper or electronic)
- Show to law enforcement on request
- Electronic proof accepted
Penalties for No Insurance
| Violation | Penalty |
|---|---|
| First Offense | Class B misdemeanor, fines, license suspension |
| Subsequent | Higher fines, longer suspension |
| After Accident | SR-22 requirement, financial responsibility |
Optional Coverages
Uninsured/Underinsured Motorist (UM/UIM)
- Not required but strongly recommended
- Protects against uninsured drivers
- Must be rejected in writing if declined
Collision and Comprehensive
- Optional unless required by lender
- Collision: Covers collision damage to your vehicle
- Comprehensive: Covers theft, vandalism, weather damage
Exam Tip: Utah's 25/65/15 liability limits are unique—most states use 25/50/25. The higher $65,000 per-accident bodily injury limit distinguishes Utah from other states.
Test Your Knowledge
What are Utah's minimum auto liability limits?
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Test Your Knowledge
What is the minimum PIP coverage required in Utah?
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