Auto Insurance Requirements in Utah for 2026 (UT Minimum Coverage)
Auto insurance requirements in Utah include liability coverage of 30/65/25, as well as $3,000 in PIP. This means drivers must have BIL coverage of $30,000 per person and $65,000 per accident, and PDL coverage of $25,000 per accident. Utah car insurance rates start at $34/mo.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
Licensed Insurance Agent
UPDATED: Jun 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Auto insurance requirements in Utah mandate $30,000 in bodily injury per person, $65,000 in bodily injury per accident, $25,000 in property damage, and $3,000 in PIP. Utah car insurance premiums start at $34 per month.
Utah Auto Insurance Minimum Coverage Requirements| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $30,000 per person / $65,000 per accident |
| Property Damage Liability | $25,000 per accident |
Drivers without coverage risk license suspension, fines, and vehicle impoundment. Optional add-ons like collision, comprehensive, and uninsured motorist coverage can provide better protection.
Knowing what’s legally required and what adds real value helps Utah drivers stay compliant and better protected.
- Utah requires insurers to offer but not mandate underinsured motorist coverage
- First-time offenders without insurance may pay a minimum $400 reinstatement fee
- Drivers with lapses in coverage can face higher premiums when reapplying
Are you looking for Utah liability auto insurance that keeps you legal and protected without overpaying on monthly premiums? Enter your ZIP code to compare real-time quotes.
Utah State Laws on Auto Insurance
If you’re driving in Utah, the law says you need both liability insurance and personal injury protection (PIP) auto insurance coverage. Under Utah insurance laws, it’s mandatory to carry coverage that protects both you and others in case of a crash, regardless of who caused it.
With busy roads like I-15 and weekend trips to places like Moab or Bryce Canyon, accidents can happen fast, and driving without insurance could mean losing your license or paying steep fines. The Utah minimum insurance requirements are there to make sure every driver can cover the basics, but skipping coverage isn’t just risky—it’s expensive.
In fact, if you’re caught without coverage, you could face a $400 fee just to reinstate your license. Knowing what’s required and which extra coverages are worth it can keep you protected and out of trouble.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Utah Minimum Auto Insurance Requirements & What They Cover
If you drive in Utah, the insurance laws require you to carry both liability auto insurance and personal injury protection (PIP) auto insurance coverage to stay on the road legally. At a minimum, your policy has to include:
- $30,000 for bodily injuries or death to one person in an accident
- $65,000 total for bodily injuries or deaths if multiple people are hurt
- $25,000 to pay for damage to someone else’s car or property
- $3,000 in PIP per person to cover your own medical bills or lost wages
If you’re caught without coverage, you could face a $400 reinstatement fee, lose your license, or even have your car impounded. PIP helps pay for things like ER visits or time off work, no matter who caused the accident.
Justin Wright Licensed Insurance Agent
A single trip to the emergency room in Utah can easily cost more than $2,000, which makes that $3,000 in PIP essential. Property damage from even a minor rear-end collision on I-15 can exceed $10,000, especially if multiple vehicles are involved. Some Utah insurers also offer accident forgiveness, which could help you avoid premium increases after your first at-fault accident.
Cheapest Auto Insurance in Utah
If you’re a Utah driver looking to meet the state’s required 30/65/25 liability and $3,000 PIP coverage, there are some solid auto insurance options that won’t stretch your budget. For anyone searching for the cheapest car insurance in Utah, there are providers that combine affordability with reliability.
6,590 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
19,116 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
1,734 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best
Complaint Level
Pros & Cons
1,734 reviewsUSAA has the cheapest monthly rate at $34, plus an A++ rating and a low complaint level. Geico comes next with $50 per month, backed by 19,116 reviews and the same top-tier rating. Travelers takes the third spot at $61 per month, also with an A++ rating and consistently low complaints.
All three meet Utah’s minimum coverage laws and give you reliable protection at a fair monthly cost. If you’re trying to stay legal and save money, these are great places to start.
Where you live in Utah can make a big difference in your car insurance rates. Monthly rates shift based on traffic, claims, and local risk.
Utah Auto Insurance Monthly Rates by City| City | Rates |
|---|---|
| Bountiful | $72 |
| Cedar City | $62 |
| Draper | $74 |
| Kaysville | $64 |
| Layton | $68 |
| Lehi | $67 |
| Logan | $66 |
| Murray | $77 |
| Ogden | $70 |
| Orem | $71 |
| Pleasant Grove | $64 |
| Provo | $72 |
| Riverton | $73 |
| Roy | $69 |
| Salt Lake City | $79 |
| Sandy | $73 |
| Saratoga Springs | $66 |
| South Jordan | $76 |
| Spanish Fork | $65 |
| Springville | $63 |
| St. George | $69 |
| Tooele | $63 |
| West Jordan | $74 |
| West Valley City | $75 |
Salt Lake City drivers pay the most at $79 per month, while Cedar City and Tooele come in lower at $62 and $63. Murray, South Jordan, and West Valley City are on the higher side, each over $75 monthly. Cities like Logan, Springville, and Saratoga Springs stay closer to $63–$66. If you’re in Provo, Lehi, or Roy, expect rates in the mid to upper $60s.
Comparing Utah Auto Insurance Rates by Top Providers
How much you pay for auto insurance in Utah depends a lot on whether you choose minimum or full coverage auto insurance. While minimum coverage keeps you legal, it may not be enough if your car gets totaled or you’re hit by an uninsured driver.
Utah Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $80 | $180 |
 | $72 | $162 |
 | $79 | $177 |
 | $50 | $113 |
 | $82 | $183 |
 | $64 | $144 |
 | $65 | $146 |
 | $71 | $158 |
 | $61 | $136 |
 | $34 | $77 |
Take USAA—you can get full coverage for just $77 per month, which is lower than the minimum from most other companies. Geico’s $113 full coverage works well if you want better protection without going over budget. But going with Liberty Mutual’s $183 full coverage could be tough if you don’t drive often or have an older car.
That’s a $100+ difference for similar protection, depending on who you pick. If you lease or finance your car, full coverage isn’t optional, and this kind of price range really matters. For drivers just trying to meet Utah’s legal requirements, picking the wrong insurer could mean overpaying without extra benefits.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Utah Auto Insurance Monthly Rates by Age & Gender
Auto insurance prices in Utah change fast depending on your age, and if you’re an 18-year-old male, it’s going to hurt. Auto insurance rates by age and gender show that younger drivers, especially males, pay the highest premiums, but those rates drop steadily as you gain experience behind the wheel.
At $348 per month, 18-year-old males pay more than five times what 60-year-old females do. Even 18-year-old females pay less at $285 per month, though still high. By age 30, the difference shrinks: females pay about $70 per month, males around $76 per month.
At 45, both settle in at $66 per month, showing insurers see less risk with age. The lowest rate overall—$59 per month—goes to 60-year-old women, a clear reward for years of safe driving. No matter your age, choosing the right Utah automobile insurance plan can make a big difference in what you pay each month.
Comparing Utah Auto Insurance Rates by Driving Record
Getting a ticket, causing a crash, or getting a DUI doesn’t just hurt your record—it can hit your wallet hard when it comes to auto insurance in Utah. What you pay each month can change fast, and how much it jumps depends a lot on your insurer.
Utah Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $80 | $106 | $110 | $89 |
| $72 | $105 | $139 | $86 |
| $79 | $116 | $111 | $96 |
| $50 | $86 | $96 | $63 |
| $82 | $111 | $120 | $102 |
| $64 | $111 | $139 | $76 |
| $65 | $120 | $74 | $91 |
| $71 | $85 | $77 | $77 |
| $61 | $85 | $126 | $82 |
| $34 | $46 | $62 | $39 |
If you have a DUI, American Family jumps from $72 to $139 per month, which adds over $800 a year, and that’s just for minimum coverage. Liberty Mutual charges $102 per month for one ticket, showing how even a minor violation can raise your rate by $20 or more.
Meanwhile, State Farm keeps things steady—$77 per month, whether it’s a ticket or DUI—ideal for drivers with occasional missteps. Progressive does something rare: they charge less for a DUI than an accident, which flips the usual penalty pattern. For Utah drivers trying to stay insured after a slip-up, knowing how each company prices risk really matters.
Read more: What happens if you get a DUI?
Penalties for Driving Without Insurance in Utah
Driving without insurance in Utah isn’t just risky—it can seriously mess with your life. From heavy fines to losing your license or even your car, the penalties come fast and hit hard.
Penalties for Driving Without Auto Insurance in Utah| Offense | Penalty Type | Details |
|---|---|---|
| First Offense | Fine | Minimum $400 fine |
| License Suspension | Yes – until proof of insurance is provided and reinstatement fees are paid | |
| Reinstatement Fee | $100 for driver’s license reinstatement | |
| SR-22 Requirement | Yes – required for 3 years | |
| Second and Subsequent Offenses | Fine | Minimum $1,000 fine |
| License Suspension | Yes – mandatory suspension with longer reinstatement process | |
| SR-22 Requirement | Yes – continues for 3 years from most recent offense | |
| Vehicle Impoundment | Possible, especially for repeat offenders or accident involvement | |
| Accident Without Insurance | Criminal Charges | May include misdemeanor charges |
| Restitution | Liable for all damages and medical costs out of pocket | |
| SR-22 | Mandatory for reinstatement of driving privileges |
If you’re pulled over without coverage, you’ll face a $400 fine, your license gets suspended, and you’ll have to file an SR-22 for 3 years, which can push your premiums way up.
A second offense? That’ll cost you at least $1,000, and your vehicle might get impounded on the spot. In some cases, jail time is even possible, especially if you’re in an accident. And without insurance, you’re stuck paying every medical bill and repair cost out of pocket.
Michelle Robbins Licensed Insurance Agent
On top of that, losing your license triggers a whole new set of problems. The consequences of driving without a license include extended suspensions, extra fines, and, in many cases, criminal charges.
Even with a new car, knowing Utah’s new car insurance grace period matters—you only get a short window to get covered, and missing it can mean fines or worse. Getting pulled over without coverage can easily ruin your day or cost you your license.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Other Types of Auto Insurance Coverage in Utah
If you’re driving in Utah, having just the bare minimum insurance might keep you legal, but it won’t always keep you protected. One accident can cost way more than what the basic liability limits cover, especially if multiple cars are involved, or someone ends up in the ER. With Utah’s unpredictable roads, from snow-packed canyons to I-15 traffic, it doesn’t take much for costs to climb fast.
That’s why a lot of drivers go beyond the state minimum. Collision coverage kicks in to cover your car repairs after a crash, even if it’s your fault. And comprehensive coverage steps in for things like theft, hail damage, or a tree branch smashing your windshield. It’s the kind of backup that really matters when life throws something unexpected your way.
There’s also uninsured or underinsured motorist coverage—it kicks in if someone hits you and doesn’t have enough insurance (or none at all). It helps cover your medical bills and lost income when the other doctor can’t pay them off.
Where you live in Utah plays a role, too. Drivers in Salt Lake City usually pay more because of higher traffic and accident rates, while places like Logan or Tooele tend to have lower premiums. But no matter where you live, having more than the minimum coverage can save you a ton of stress—and money—down the line.
Factors Influencing Auto Insurance Rates in Utah
Auto insurance rates in Utah aren’t one-size-fits-all. They shift based on real-life factors that reflect your driving habits, where you live, and what you drive. Here’s what really moves the needle:
- Your Age and Experience: If you’re 18 and just starting out, you might pay over $300 per month. However, a 60-year-old with a clean history could see rates drop to around $65. Insurers charge more for new drivers because they’re riskier statistically.
- Your Driving Record: One accident or even a speeding ticket can raise your monthly premium by $20–$40. A clean record? That can lead to lower quotes and even safe driver discounts.
- Your Car Matters: Got a high-end ride with expensive parts? Expect to pay more. But if you’re driving a practical car with solid safety features, you could get a break on your rate.
- Where You Live in Utah: Rates in places like Salt Lake City average around $79 monthly due to higher accident and theft rates. Drive in quieter spots like Cedar City or Tooele, and you’re more likely to pay $62–$63 instead.
- Coverage Level You Choose: Minimum coverage starts as low as $34 per month with companies like USAA. But full coverage, especially on a newer car, can easily push your rate past $150.
Knowing what impacts your rate helps explain why auto insurance rates go up or down, and gives you the power to shop smart and potentially cut costs.
How to Get Auto Insurance in Utah
Shopping for auto insurance in Utah isn’t complicated—you just need to start with a few auto insurance quotes in Utah. Rates can vary a ton based on where you live, how old you are, and what your driving history looks like. A 30-year-old with a clean record in Logan might pay around $60 a month, while someone younger in Salt Lake City could be looking at $90 or more. That’s why it pays to shop around.
Once you’ve picked a company, you’ll fill out a quick application with your license number, car details, and a bit about your driving record. No plates yet? No problem. As long as you have the vehicle’s VIN, you can still get insured and register it later.
In Utah, you’ll need at least $30,000 for injuries per person, $65,000 total per accident, $25,000 for property damage, and $3,000 in PIP to stay legal. That’s the bare minimum to get behind the wheel.
If you drive a newer vehicle or commute in heavier traffic areas like West Valley or Sandy, you might want to look into full coverage. It costs more, but it could save you thousands after a crash.
Want to see what fits your budget? Use our free comparison tool to check out your options for cheap car insurance in Utah—you might be surprised at how much you could save.
Frequently Asked Questions
What auto insurance is required by law in Utah?
You’re required to carry $30,000 in bodily injury coverage per person, $65,000 per accident, $25,000 for property damage, and $3,000 in personal injury protection (PIP).
Can someone use my car if they are not covered by my insurance in Utah?
Yes—Utah allows permissive use, so someone can drive your vehicle with your permission unless your policy has an excluded driver clause.
How long do you have to have SR-22 insurance in Utah?
You’re required to maintain SR-22 coverage for three consecutive years following your conviction or license reinstatement, with no lapses allowed.
Read more: How a DUI Affects Your Car Insurance Policy & SR-22 Insurance Forms
Is it illegal not to have car insurance in Utah?
Yes—driving uninsured in Utah is a Class B misdemeanor, with penalties that include a $400 minimum fine, license suspension, and mandatory SR-22 filing.
What is the grace period for car insurance in Utah?
Utah drivers typically have a 7–30 day grace period for new car purchases, depending on your insurer. After that, you risk fines and suspension.
What is the cheapest car insurance in Utah?
USAA offers the lowest rate at $34 per month, followed by Geico at $50 and Travelers at $61, based on minimum legal coverage. According to our latest Geico auto insurance review, it stands out for balancing affordability with a consistently strong financial rating.
What is the fine for no insurance in Utah?
A first offense includes a $400 fine, $100 reinstatement fee, and SR-22 for 3 years. Repeat offenses may trigger $1,000+ in fines and vehicle impoundment.
Which car insurance is mandatory in Utah?
You’re legally required to carry liability coverage (30/65/25) and $3,000 PIP, per Utah minimum insurance requirements and Utah insurance laws.
How much does an SR-22 cost in Utah?
The SR-22 form itself costs about $15–$25 to file, but your premium could increase by up to 70%, especially if you’ve had a DUI or accident. Finding the best car insurance after a DUI in Utah can help ease the financial hit while keeping you legally covered.
How long can you go without car insurance before being penalized in Utah?
There’s no leeway—being caught even one day uninsured can result in immediate penalties, including suspension and SR-22 filing.
Should you keep full coverage on a 10-year-old vehicle in Utah?
Only if your car is worth more than $4,000 or is still financed; otherwise, dropping full coverage could save you $50–$100 per month.
Why is auto insurance so expensive in Utah?
Utah sees higher rates due to dense urban traffic, rising repair costs, a high volume of uninsured drivers, and frequent weather-related claims like hail or snow damage, so finding the best auto insurance after a speeding ticket in Utah can make a big difference if your record isn’t spotless.
How much is car insurance in Utah per month?
Drivers with clean records pay about $65–$80 per month, while 18-year-old males pay up to $348, and 60-year-old females pay as little as $59 monthly.
After January 1, 2025, what is the minimum coverage for property damage in Utah?
The minimum property damage liability increases to $25,000 per accident, reflecting the updated Utah insurance laws.
Discover affordable Utah coverage when you enter your ZIP code to compare quotes.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
