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Utah- Auto Insurance

In Utah, drivers are required to carry minimum coverage.


In Utah, the minimum standards include:

  • At least $25,000 per person and $65,000 pr accident for bodily injury coverage.
  • At least $15,000 per accident for property damage coverage.

Utah is a “no fault” state, which means you are required to carry Personal Injury Protection. You must carry proof of insurance in your vehicle at all times. The state of Utah maintains a database that monitors registration and insurance coverage. If the database recognizes that a registered vehicle does not have corresponding auto insurance, a letter will be sent to the owner. Penalties for failing to comply with state auto regulations can range from $400 to $1,000 as well as a suspended license.


Utah Dept. of Insurance
3110 State Office Bldg.
Salt Lake City, UT 84114-6901
Phone: 1-801-538-3800

Web Site:

Utah (UT) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/15 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection -No Fault State
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory auto insurance: Fine up to $400

Inside Utah- Auto Insurance