Auto Insurance in Utah
No-Fault / PIP State — Utah drivers pay an average of $1,598/year for full-coverage auto insurance — near the national average across the nation for cost.
Utah Minimum Liability Requirements
State law requires a minimum of 25/65/15 (no-fault, PIP $3K) (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Utah Auto Insurance Factor
Utah is a no-fault state requiring minimal PIP ($3K). Utah's required property damage coverage ($15K) is below the cost of many modern vehicle repairs. Salt Lake City's rapid growth has increased traffic and accident rates significantly.
What Full Coverage Includes in Utah
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in Utah — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Utah?
The average annual cost of full-coverage auto insurance in Utah is $1,598/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Utah's minimum auto insurance requirements?
Utah requires minimum liability coverage of 25/65/15 (no-fault, PIP $3K) (bodily injury per person / per accident / property damage). Utah is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Utah a no-fault auto insurance state?
Yes, Utah is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. Utah is a no-fault state requiring minimal PIP ($3K). Utah's required property damage coverage ($15K) is below the cost of many modern vehicle repairs. Salt Lake City's rapid growth has increased traffic and accident rates significantly.
How can I lower my auto insurance premium in Utah?
Common ways to reduce your premium in Utah include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.