Auto Insurance Minimum Requirements
Utah requires all drivers to carry minimum liability coverage of $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 30/65/25. Utah is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $3,000.
⚡ Recently Changed
Utah's minimum auto insurance requirements changed on 2025-01-01. See details below.
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.
Fine
$400–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Utah?
Utah requires minimum liability coverage of $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 30/65/25 coverage.
Is Utah a no-fault state?
Yes, Utah is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Utah?
Uninsured motorist coverage is not required in Utah, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Utah?
Driving without insurance in Utah can result in fines of $400–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Utah?
SR-22 filings are used in Utah for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year window following a DUI conviction or uninsured operating violations.
What does 30/65/25 mean in Utah?
These numbers represent your liability limits: $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Utah Insurance Department
More Utah Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Utah Insurance Department publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.