Minimum Car Insurance in Utah

For policies issued or renewed on or after January 1, 2025, Utah's minimum liability limits are 30/65/25: $30,000 for bodily injury to or death of one person, $65,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $90,000 combined single limit. (Policies issued or renewed on or before December 31, 2024 had 25/65/15 or $80,000 single-limit minimums.) Policies must also include personal injury protection (PIP) of at least $3,000 per person in medical expenses, plus wage-loss and household-services benefits. Other forms of security include a surety bond, a deposit with the state treasurer, or self-funded coverage.

Utah is a no-fault (PIP) state. PIP pays at least $3,000 per person for medical expenses, the lesser of $250 a week or 85% of lost income for up to 52 weeks, and $20 a day for household services. A person who has or must have PIP coverage cannot sue for general damages (such as pain and suffering) unless the injury involves death, dismemberment, permanent disability or impairment based on objective findings, permanent disfigurement, a bone fracture, or medical expenses over $3,000.

Included unless rejected or reduced in writing. For new policies, uninsured motorist limits must equal the lesser of the named insured's liability limits or the insurer's maximum UM limits, unless the named insured rejects UM coverage or buys a lower amount by signing an acknowledgment form filed with the Insurance Department that discloses the added premium for full limits. The selection or rejection continues until the insured asks in writing to change it.