Car Insurance in Utah: 2026 Rates & Requirements

Utah carries slightly higher bodily injury minimums than most states - $30,000/$65,000 - plus a mandatory PIP requirement, yet still lands close to the national average for premiums, helped by a comparatively low uninsured-driver rate and moderate litigation environment.

Minimum Insurance Requirements in Utah

Utah requires drivers to carry at least $30,000/65,000 in bodily injury liability (per person / per accident) and $25,000 in property damage liability. Utah requires $3,000 in Personal Injury Protection (PIP) in addition to its liability minimums. Utah is a no-fault state: your own PIP coverage pays a portion of your medical bills after an accident regardless of fault, and your right to sue the at-fault driver for pain and suffering is limited to more serious injuries. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Utah

The Salt Lake City-Provo corridor along the Wasatch Front accounts for the large majority of the state's population and traffic, and premiums there run above what drivers in Utah's more rural counties typically pay. As a no-fault state, the $3,000 PIP requirement - lower than several other no-fault states - means every driver's own insurer covers a modest amount of medical costs after an accident regardless of fault, without adding as much to the baseline premium as states with higher PIP minimums like Minnesota or New York.

Get Your Own Utah Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Utah.