If you drive in Utah, car insurance isn’t optional, it’s the law. But the state minimums are just a starting point, and for most drivers they don’t tell the whole story. Here’s what you actually need to know.
Utah’s minimum car insurance requirements
Utah is a no-fault state, so every driver must carry a few core coverages:
- Bodily injury liability: $25,000 per person and $65,000 per accident.
- Property damage liability: $15,000 per accident.
- Personal Injury Protection (PIP): at least $3,000 per person.
Why the minimums often aren’t enough
Minimum limits keep you legal, but they can leave you exposed. A single serious accident can easily cause more than $25,000 in injuries or $15,000 in vehicle damage, and you’d be personally responsible for anything above your limits. Higher liability limits cost surprisingly little and protect your savings.
Coverages worth adding
- Comprehensive & collision: pays to repair or replace your own vehicle.
- Uninsured / underinsured motorist: protects you when the other driver can’t pay.
- Roadside assistance: a small add-on that saves the day when you’re stranded.
The right amount of coverage depends on your vehicle, your budget, and how much risk you’re comfortable taking on. As an independent agency, we compare auto insurance options from multiple Utah carriers to find the fit that’s right for you. Compare your quotes online in just a few minutes.