Utah Auto Insurance

Utah uses a No-Fault insurance system. Your insurance carrier will reimburse you for your material losses and take care of your medical expenses — up to a specified limit — regardless of who was at fault in the accident.

Minimum Liability Requirements in Utah

As of April 2026, Utah requires drivers to carry minimum liability coverage of 30/65/25 — at least $30,000 in bodily injury liability per injured person, up to $65,000 per accident, and $25,000 in property damage liability. The state also requires uninsured motorist coverage and Personal Injury Protection (PIP).

Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.

Average Car Insurance Premiums in Utah

Drivers in Utah pay an average of $2,452 a year for full-coverage car insurance — 16% below the national average of $2,922 a year.

Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.

Use of cellphones when driving

The Utah Senate has put a ban on all forms of text-based communication from behind the wheel. Moreover, new drivers aren’t allowed to use cellphones altogether while operating a vehicle. No further restrictions are in place.

Teenage driving laws

Utah teenagers may join the Graduated Driver Licensing (GDL) program once they are 15. Aspiring drivers with a Learner’s Permit will have to face some restrictions by the time they get their unrestricted license:

• they may not drive at night, unless they are on their way to/from school or work and accompanied by a parent, legal guardian or approved driving instructor;
• they may not carry passengers younger than 17, except for immediate family members;
• all passengers must wear seatbelts.

Penalties for driving uninsured in Utah

Even though it is classified as a traffic violation, driving without insurance in Utah is also a class B misdemeanor. Penalties can include jail time of up to 180 days, upwards of $1,000 in penalties and surcharges and, most likely, a SR-22 requirement.

Penalties for being unable to show proof of insurance are basically the same as not having any, so it’s imperative that you carry the insurance card with you at all times.

AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.