Utah Auto Insurance Guide for New Drivers
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$286/mo
Typical monthly rate in Utah, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
midnight-5am
Passengers
no passengers for first 6 months (family exempt; secondary)
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
Do I need full coverage if I own my car outright in Utah?
No — Utah law only requires liability, PIP, and uninsured motorist coverage. Full coverage (liability plus collision and comprehensive) is mandatory only if you finance or lease your vehicle. If you own your car outright, whether you add collision and comprehensive depends on your vehicle's value and whether you could afford to replace it out-of-pocket after a total loss.
Can I stay on my parents' car insurance in Utah?
Yes, if you live in the same household and are listed as a rated driver on their policy. This is typically cheaper than buying your own policy — you benefit from their longer coverage history and potentially better rates. Once you move out or establish a separate residence, you must obtain your own policy.
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.