Minimum liability insurance required in Utah: (25/50/15)

$25,000 for each person for bodily injury
$50,000 for bodily injury per accident
$15,000 for property damage per accident

In Utah, as in most other states in America, you are required to have a minimum amount of liability insurance (that remains in continuous coverage) in order to operate a motor vehicle.

Since Utah is considered a “no fault” state when it comes to auto insurance, you’ll have to purchase a Personal Injury Protection (PIP) of at least $3,000 in coverage as well as an uninsured motorist coverage.

You may wish to consider collision coverage although this is not mandatory in Utah. Many financers require you to purchase collision coverage as a condition of your financing though.

The state checks their vehicle registration database against insurance policy records to make sure vehicles registered in Utah carry minimum liability insurance.

Proof of Insurance

You must carry a proof of insurance in your Utah registered vehicle at all times. Proof of financial responsibility must be shown if a law enforcement officer stops you and asks for it.

Adequacy of Coverage

25/50/15 is the minimum requirement for auto insurance in Utah. Yet this may not be sufficient coverage to properly take care of damage, injury, or valuable assets. You are advised to carry sufficient insurance to take care of possible financial loss in the event of an automobile accident.

We also suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase from any particular insurance companies from whom you’ll obtain quotes.