By Brad Burton, Founder & Editor·Updated June 2026·How we research this

Utah Car Insurance at a Glance

Utah sits in a middle tier for car insurance costs nationally — not the cheapest, but far from the most punishing. What makes Utah distinctive is its no-fault structure. The state requires Personal Injury Protection on every policy, which means your own insurer handles your medical bills after an accident regardless of who caused it. That shapes how claims work and, ultimately, what you pay.

The other thing worth knowing upfront: Utah's minimum liability limits changed on January 1, 2025. House Bill 113 (2023) raised the old 25/65/15 floor to 30/65/25. If you bought a policy before 2025 at the old limits, it should have been updated automatically at renewal — but confirm with your insurer.

Utah Minimum Coverage Requirements

Every vehicle registered in Utah must carry at least the following coverages under Utah Code 31A-22-304:

Coverage Type Minimum Required What It Covers
Bodily Injury Liability — per person $30,000 Injuries to one person you injure in an at-fault accident
Bodily Injury Liability — per accident $65,000 Total injuries to all people in a single accident
Property Damage Liability $25,000 Damage to another person's vehicle or property
Personal Injury Protection (PIP) $3,000 Your own medical expenses, regardless of fault

Note on the 65 figure: Utah's per-accident BI limit ($65,000) is unusually specific — most states use round numbers like $50,000 or $100,000. The 65 is not a typo. It dates to how the original statute was written and has carried through both the old and new minimums. Effective January 1, 2025 per HB 113 (2023).

What Drives Utah Premiums

No-Fault / PIP System

Utah is one of about a dozen no-fault states. After a collision, you file a medical claim with your own insurer first — that $3,000 PIP minimum pays for initial treatment regardless of fault. Only once those limits are exhausted, or if your injuries meet a serious-injury threshold (permanent disability, disfigurement, or medical bills exceeding the PIP limit), can you pursue the at-fault driver's liability coverage directly.

The practical effect: minor-injury lawsuits are rare in Utah, which keeps rates lower than in pure tort states. The trade-off is that everyone pays for PIP even if they're a careful driver.

Credit-Based Insurance Scores

Utah allows insurers to use credit-based insurance scores as a rating factor. This is not the same as your FICO score, but the two are correlated. A driver with poor credit can pay 30–60% more than an identical driver with excellent credit, depending on the insurer. Improving your credit is one of the few levers that works even when you can't change your driving history overnight.

Urban vs. Rural ZIP Code

A Salt Lake City driver pays substantially more than someone in rural Emery County. Higher population density means more accidents per mile driven, more vehicle theft, and higher repair costs. If you're comparing quotes across Utah, expect wide variation by ZIP — not just by insurer.

Teen Drivers and Young Adults

Adding a 16- or 17-year-old to a policy is one of the biggest rate spikes any Utah household can trigger — often 50–100% more in premium. Rates typically stabilize in the mid-20s as a clean record builds.

DUI and At-Fault Accidents

Utah has a 0.05% BAC legal limit, the lowest in the country. A DUI conviction will follow a policy for three to five years and can more than double the annual premium. An at-fault accident typically raises rates 20–40% at renewal.

2026 Utah Average Premium Estimates

The figures below are estimates compiled from multiple third-party sources (Experian, Insurify, MoneyGeek) for a 35-year-old Utah driver with a clean record. Actual rates depend on insurer, ZIP code, vehicle, and individual profile. These are labeled ranges, not guarantees.

Coverage Level Estimated Annual Range Estimated Monthly
Minimum coverage (30/65/25 + PIP) $700 – $1,050 ~$58 – $88
Full coverage (liability + collision + comp) $1,500 – $2,200 ~$125 – $183

Source note: Rate estimates drawn from Experian (April 2026), Insurify (2026 data), and MoneyGeek (2026 data). Ranges reflect variation across insurers and ZIP codes. Get actual quotes at the free calculator or directly from carriers.

See Your Utah Rate Estimate

Enter your driver profile and vehicle for a personalized 2026 cost estimate based on Utah rates.

Use the Free Calculator →

Frequently Asked Questions

What are the minimum car insurance requirements in Utah?
As of January 1, 2025, Utah requires: $30,000 bodily injury per person, $65,000 per accident, $25,000 property damage, and $3,000 Personal Injury Protection. The limits are set by Utah Code 31A-22-304 and were raised from the previous 25/65/15 + $3,000 PIP floor by House Bill 113 (2023).
Is Utah a no-fault car insurance state?
Yes. Utah operates under a no-fault system, meaning your own PIP coverage pays your medical bills first — up to $3,000 — regardless of who caused the accident. You can only step outside the no-fault system and sue the at-fault driver if your injuries are serious: permanent disability, significant disfigurement, or medical costs that exceed the PIP limit.
Can Utah insurers use my credit score to set my rate?
Yes. Utah permits credit-based insurance scoring. Poor credit can raise your premium considerably — sometimes more than a minor at-fault accident would. Improving your credit score is a real, long-term way to reduce what you pay, particularly if you're shopping insurers at renewal time.
How much does car insurance cost in Utah?
Estimated 2026 averages: full coverage runs roughly $1,500–$2,200 per year for a clean-record driver; minimum coverage runs roughly $700–$1,050. Salt Lake City ZIP codes trend higher; rural Utah can come in below those ranges. These are estimates — use the calculator above or get direct quotes for accurate pricing.