Utah

Auto Insurance Minimum Requirements

30/65/25

Liability Limits

Yes

No-Fault

$3,000

PIP Minimum

Optional

Uninsured Motorist

⚡ Recently Changed

Utah's minimum auto insurance requirements changed on 2025-01-01. See details below.

Full Requirements

Bodily Injury (per person)$30,000

Bodily Injury (per accident)$65,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $3,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2025-01-01

Important Notes

Minimum liability thresholds increased to 30/65/25 for all policies issued or renewed on or after January 1, 2025. Requires a compulsory no-fault PIP structure ($3,000 minimum limit).

Uninsured / Underinsured Motorist

Insurers must offer UM and UIM; options can be declined via a signed waiver.

SR-22 Filings

Required for a 3-year window following a DUI conviction or uninsured operating violations.

Alternatives to Insurance

Certificate of self-insurance granted to qualifying multi-vehicle fleet operators.

Official Source

Utah Insurance Department

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.