Utah car insurance: requirements & free quotes
Utah raised its minimums to 30/65/25 for policies issued or renewed on or after January 1, 2025, and it remains a no-fault state that requires personal injury protection. Wasatch Front traffic and mountain winter driving are major considerations.
Minimum coverage in Utah
$30,000
Bodily injury per person
$65,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $30,000 per person / $65,000 per accident
Property damage liability $25,000 per accident
Personal injury protection (PIP) $3,000
Shown as 30/65/25 + PIP 3,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Utah
- UM/UIM coverage is included unless you waive it in writing, so consider keeping it.
- Comprehensive coverage helps with winter storm and wildlife damage.
- Consider PIP limits above the minimum for broader medical protection.
- Ask about discounts for bundling and safe driving.
We connect drivers across Utah
Including Salt Lake City, West Valley City, Provo, West Jordan and Orem — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Utah car insurance FAQ
Yes. Utah is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.