Utah Car Insurance
Utah is a modified no-fault state. Every policy must carry 25/65/15 liability under Utah Code § 31A-22-3041 and $3,000 PIP under § 31A-22-3072. UM and UIM are a must-offer under § 31A-22-3053. A $3,000 medical tort threshold limits non-economic recovery4.
YesWeSure Bottom Line
Unusual BI per-accident floor. Utah's $65,000 per-accident bodily-injury minimum is not a typo: it does not follow the standard "double the per-person" ratio that most states use1.
No-fault with tort threshold. First-party medical bills flow through PIP first; non-economic damages require a $3,000 medical-expense threshold or a serious injury24.
How to make a real decision. Treat 25/65/15 + $3,000 PIP as the floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Utah car insurance law requires
Minimum liability limits
25 / 65 / 151
$25,000 bodily injury per person, $65,000 per accident, $15,000 property damage per accident, under Utah Code § 31A-22-304. Utah's $65,000 per-accident BI is unusual: Utah does not use the standard "double" ratio.
Personal Injury Protection (PIP)
$3,000 required (no-fault)2
Every Utah policy must include Personal Injury Protection at $3,000 per person under Utah Code § 31A-22-307. Utah is a modified no-fault state.
Uninsured / Underinsured Motorist
Must offer; 25 / 65 BI if purchased3
Utah Code § 31A-22-305 requires every Utah personal auto policy to include UM at not less than the compulsory liability limits; § 31A-22-305.3 requires UIM. The named insured may reject each in writing.
Monetary tort threshold
$3,000 medical or serious injury4
Utah Code § 31A-22-309 limits recovery of non-economic damages to cases meeting a $3,000 medical-expense threshold or specified serious-injury categories (permanent disability, permanent impairment, permanent disfigurement, dismemberment, or death).
Coverage verification
Utah Motor Vehicle Insurance Database5
The Utah Insurance Department operates the Utah Motor Vehicle Insurance Database under Utah Code § 41-12a-803, with insurer reporting and continuous verification of coverage.
Rate approval regime
Utah Insurance Department oversight6
Utah does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/65/15 compulsory liability
Utah Code § 31A-22-304 compels every registered Utah vehicle to carry 25/65/15 liability1. The $65,000 per-accident BI floor is unusual: Utah does not use the standard "double the per-person" ratio. Many Utah drivers carry higher limits.
$3,000 PIP under Utah Code § 31A-22-307
Every Utah policy must include Personal Injury Protection at $3,000 per person for medical, loss of income, household services, and funeral benefits2. Utah is a modified no-fault state. For how PIP works, see our PIP coverage guide.
UM/UIM must-offer under Utah Code § 31A-22-305
Every Utah personal auto policy must include UM at not less than the compulsory liability limits; UIM is also must-offer under § 31A-22-305.33. The named insured may reject each in writing.
Motor Vehicle Insurance Database and lapse enforcement
The Utah Insurance Department operates the Utah Motor Vehicle Insurance Database under Utah Code § 41-12a-803, with insurer reporting and continuous verification of coverage5. Confirmed lapse can trigger driver license and registration suspension, SR-22 filing requirements, and reinstatement fees. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Utah does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age6.
Where the Utah situation rules live on YesWeSure
This State Guide owns the Utah pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Utah SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. Insurance Database consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Utah. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/65/15 minimum liability under Utah Code § 31A-22-304 verified against the statute. Utah's $65,000 per-accident BI floor is unusual among state minimums.
- StrongCompulsory PIP at $3,000 under Utah Code § 31A-22-307 verified against the statute. Utah is a modified no-fault state. Consistent with the frozen YesWeSure medical-payments guide listing Utah as a PIP state; no conflict.
- StrongMonetary tort threshold ($3,000 medical) and serious-injury threshold under Utah Code § 31A-22-309 verified against the statute.
- StrongUM/UIM must-offer under Utah Code § 31A-22-305 verified against the statute. Written rejection required to decline.
- StrongUtah Motor Vehicle Insurance Database under Utah Code § 41-12a-803 verified against the statute. Continuous verification of coverage.
- LimitedDeliberately omitted from V1. A Utah modeled cost anchor; carrier-specific UT underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Utah-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Utah?
25/65/15 liability + $3,000 PIP, under Utah Code §§ 31A-22-304 and 31A-22-30712.
Is Utah a no-fault state?
Yes. Utah is a modified no-fault state under Utah Code §§ 31A-22-307 and 31A-22-309, with a $3,000 medical or serious-injury tort threshold24.
Why is Utah's BI per-accident minimum $65,000?
Utah does not use the standard "double the per-person" ratio that most states follow. Utah Code § 31A-22-304 sets the per-accident BI floor at $65,000 (rather than $50,000 as would be typical with a $25,000 per-person floor)1.
Sources & methodology
- Utah Code § 31A-22-304: compulsory motor vehicle liability insurance; 25/65/15 minimum limits. (Utah State Legislature, TIER 1)
- Utah Code § 31A-22-307: Personal Injury Protection benefit schedule ($3,000 per person) under the Utah no-fault system. (Utah State Legislature, TIER 1)
- Utah Code § 31A-22-305: Uninsured and Underinsured Motorist must-offer; written rejection required. (Utah State Legislature, TIER 1)
- Utah Code § 31A-22-309: monetary and serious-injury tort threshold for non-economic damages. (Utah State Legislature, TIER 1)
- Utah Code § 41-12a-803: Utah Motor Vehicle Insurance Database; insurer reporting and continuous verification. (Utah State Legislature, TIER 1)
- Utah Insurance Department: Automobile Insurance consumer page. (Utah Insurance Department, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: Personal injury protection (PIP) (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Utah Code, Utah Insurance Department). Every legal number traces to a Utah primary source: Utah Code §§ 31A-22-304, 31A-22-305, 31A-22-307, 31A-22-309; § 41-12a-803. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .