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Utah Auto Insurance Guide for New Drivers

Utah requires 25/65/15 minimum liability coverage — $25,000 per person for bodily injury, $65,000 per accident, and $15,000 for property damage. First-time drivers under 25 typically pay $180–$250/month for minimum coverage, with rates dropping significantly as you gain experience and age past 25.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Utah operates as a no-fault state with modified tort rules — your own insurance covers your medical bills first through Personal Injury Protection (PIP), regardless of who caused the crash. You must carry proof of insurance at all times and present it during traffic stops or after accidents. Utah also requires uninsured motorist coverage at limits matching your liability policy, protecting you when the other driver has no insurance.

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25/65 — $25,000 per person, $65,000 per accident
Bodily Injury Liability
Covers medical bills, lost wages, and legal costs when you injure someone in a crash you caused. Utah's $25,000 per-person limit is notably low — a single emergency room visit after a moderate injury can exceed this. One serious injury claim could drain your minimum coverage and expose your personal assets to lawsuits.
$15,000 per accident
Property Damage Liability
Pays for damage to other vehicles, buildings, or property when you're at fault. The $15,000 minimum barely covers a totaled mid-range sedan — many newer trucks and SUVs common in Utah exceed this amount. If you hit a vehicle worth $30,000, you'd personally owe the remaining $15,000.
$3,000 minimum
Personal Injury Protection (PIP)
Covers your own medical expenses, lost income, and funeral costs after any accident, regardless of fault — this is Utah's no-fault mechanism. The $3,000 minimum provides limited protection; a single ambulance ride and ER visit in Salt Lake City can approach or exceed this. You can purchase higher PIP limits, and if you're on a parent's policy, their PIP covers you as a household member.
Must match your liability limits
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Utah has an uninsured driver rate around 12%, meaning roughly one in eight drivers on I-15 or I-80 may lack coverage. This requirement is non-negotiable — you cannot waive it in Utah, unlike some states.
Not required
Collision Coverage
Pays to repair or replace your car after a crash with another vehicle or object, minus your deductible (the amount you pay out-of-pocket before insurance kicks in). Not legally required, but mandatory if you finance or lease a vehicle — lenders require it to protect their investment. First-time drivers often choose higher deductibles ($500–$1,000) to lower monthly premiums.
Not required
Comprehensive Coverage
Covers non-collision damage — theft, hail, animal strikes, vandalism, and weather damage. Utah's mountain highways see frequent deer and elk collisions, especially along US-89 and SR-30, making this coverage particularly relevant. Like collision, it's required by lenders if you're financing, and you choose a deductible amount that affects your premium.
State-Mandated Minimum Coverage · Utah

Utah Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$65,000
Property Damage$25,000

License Reinstatement Fee$40

Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.

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Cost Overview

Utah's average auto insurance costs run moderately below the national average, but first-time drivers and those under 25 face rates 80–150% higher due to inexperience and statistically higher crash risk. Urban drivers in Salt Lake County pay 15–25% more than rural areas due to higher accident frequency, vehicle theft, and repair costs.

What Affects Your Rate

  • Age and experience: Drivers under 25 pay $150–$200/month more than those 30+ due to higher crash rates in the first three years of driving
  • Location: Salt Lake City drivers average $30–$50/month more than Cedar City or Logan residents due to higher theft rates and accident frequency on I-15 and I-215
  • Vehicle type: Insuring a 2020 Honda Civic costs 20–30% less than a 2020 Dodge Charger for young drivers, reflecting theft risk and repair costs
  • Credit history: Utah allows credit-based insurance scoring; drivers with limited or poor credit may see rates increase 40–60% compared to those with excellent credit
  • Coverage history: First-time buyers with no prior insurance pay 15–25% more than those transferring from a parent's policy with continuous coverage
  • Deductible choice: Increasing your collision and comprehensive deductible from $250 to $1,000 typically reduces premiums by $25–$45/month
Minimum Coverage
$180–$250/mo
Meets Utah's 25/65/15 liability, $3,000 PIP, and matching uninsured motorist requirements. Leaves you fully exposed if your car is damaged or totaled, and provides minimal protection if you cause serious injuries.
Standard Coverage
$220–$310/mo
Includes 50/100/50 liability limits, $10,000 PIP, matching uninsured motorist, and often adds collision and comprehensive with $500–$1,000 deductibles. Provides meaningful protection for both liability and vehicle damage.
Full Coverage
$260–$380/mo
Combines 100/300/100 liability, $25,000 PIP, collision and comprehensive with lower deductibles ($250–$500), plus optional coverages like roadside assistance and rental reimbursement. Offers maximum protection with lower out-of-pocket costs after claims.

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Coverage Types

Liability Insurance

The foundation of any auto policy — covers injuries and property damage you cause to others. Your premium (the monthly amount you pay for insurance) increases significantly with higher limits, but 25/65/15 minimums leave major financial gaps.

Full Coverage

Industry term combining liability, collision, and comprehensive — protects both you and your vehicle. Not a specific policy type, but the standard package lenders require when you finance or lease.

Comprehensive Coverage

Protects against non-driving damage — animal collisions, theft, hail, vandalism, and falling objects. You pay a deductible first, then insurance covers the rest up to your vehicle's actual cash value.

Collision Coverage

Repairs or replaces your vehicle after crashes with other cars or objects, regardless of fault. Required by lenders, but optional if you own your car outright — your choice depends on your vehicle's value and your ability to replace it out-of-pocket.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient limits. Acts as a safety net when the at-fault driver cannot pay for the harm they caused.

Personal Injury Protection (PIP)

Utah's no-fault coverage that pays your medical bills, lost wages, and funeral expenses regardless of who caused the crash. Covers you, your passengers, and household members up to your policy limit.

Find Your City in Utah

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Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
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West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
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Sandy

suburban
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St. George

urban
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Ogden

urban
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Layton

suburban

Frequently Asked Questions

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