Thanks! Please confirm your subscription from your email inbox
Error! Please enter a valid zip code
Utah is a no-fault state. Drivers must carry at least 30/65/25 + $3,000 PIP in coverage, and the average full-coverage premium is $2,452 a year, 16% below the national average of $2,922. This guide covers what Utah requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 30/65/25 + $3,000 PIP |
| Fault system | No-fault |
| Average full coverage | $2,452 a year ($204 a month), 16% below the national average of $2,922 |
| Uninsured drivers | 6.2% (2023), the 50th highest rate of 51 |
| Filing after serious violations | SR-22 |
Utah requires $30,000 bodily injury liability per person, $65,000 per accident, and $25,000 property damage liability (or a $90,000 combined single limit) for policies issued or renewed on or after January 1, 2025, up from 25/65/15, plus personal injury protection of at least $3,000 per person (Utah Code §31A-22-304; Utah Insurance Department).
Uninsured and underinsured motorist coverage is included in Utah policies unless you reject it in writing.
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Utah is $2,452 a year, 16% below the national average of $2,922. That makes Utah the 19th cheapest of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Utah, prices still vary a lot by ZIP code, driving record and car, and 6.2% of drivers on Utah roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Utah preselected for a personal estimate, and see what determines your car insurance cost.
Utah is a no-fault state. Your own personal injury protection pays at least $3,000 per person of medical expenses after a crash, plus part of lost income, whoever caused it. You can sue the at-fault driver for pain and suffering only after death, dismemberment, permanent disability, impairment or disfigurement, a broken bone, or more than $3,000 of medical expenses (Utah Code §§31A-22-307 and 31A-22-309). Beyond that, Utah uses modified comparative fault: you recover nothing if you are 50% or more to blame (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026).
An estimated 6.2% of Utah drivers were uninsured in 2023, the 50th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
Utah compares its vehicle registration records with a database of insurance policies. When it finds a registered vehicle with no matching policy, it sends the owner a letter asking for proof of insurance. (Utah Division of Motor Vehicles, "Vehicle Insurance Requirements")
Driving without owner's security is a class B misdemeanor with a minimum fine of $400 for a first offense and $1,000 for a second or later offense within three years. After a conviction, or a finding at a Department of Public Safety hearing, the DMV can also suspend the vehicle's registration. (Utah Code §41-12a-302; Utah Division of Motor Vehicles)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Utah from $1,825 to $2,282 a year, an increase of 25% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Utah uses the SR-22 for drivers who must prove future financial responsibility, for example to reinstate a license after certain suspensions.
Utah uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Utah Insurance Department. It handles consumer questions and complaints about insurers in Utah.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
