Utah Car Insurance Minimums and Rates
Everything you need to know about Utah's car insurance laws.
Driving gives you the ultimate freedom to explore Utah’s wonders, whether you’re headed to the majestic Zion National Park, the iconic Monument Valley Navajo Tribal Park, or a gorgeous ski country playground like Park City. Wherever you decide to drive in Utah, it’s important to have your car’s paperwork in order.
Buying car insurance in Utah is essential for protecting your vehicle—and yourself—in case of any mishaps on the road. As you shop for auto insurance, take into consideration Utah’s insurance laws, minimum coverage requirements, and average rates, and be sure to compare quotes before choosing an insurance provider.
Here are some guidelines for staying safe (and legal) while driving in Utah.
What are the car insurance laws in Utah?
Utah state law requires that every driver carries auto liability insurance. If you’re caught driving without car insurance, you’ll face a fine of $400 for the first offense and $1,000 for any offense within three years of the first one. If you’re convicted of driving without coverage, your driver’s license will be suspended until you provide proof of insurance (and pay a reinstatement fee).
What are Utah’s minimum car insurance requirements?
In Utah, driving unprotected is illegal. Drivers must carry the following minimum car insurance coverage:
- Bodily injury liability coverage at $25,000 per person and $65,000 per accident.
- Property damage liability coverage worth $15,000, in case you hit someone else’s car or property.
- Personal injury protection coverage, also called "no-fault insurance," of $3,000, to help offset medical expenses incurred by you and your passengers.
Keep in mind, these are just the minimum requirements in Utah, and you can always choose to increase your coverage amounts or include optional, additional coverage.
Utah doesn’t require collision coverage, for example. But if you have an auto loan or lease your car, you might be required to get it.
What are Utah's average car insurance rates?
Auto insurance rates vary based on several factors, like whether you live in the city or countryside, the type of vehicle you drive, the type of policy you choose, and your driving record. According to NerdWallet, car insurance in Utah costs around $173 per month or about $2,072 per year. But your auto insurance will be custom-tailored to you.
Is there a new car insurance grace period in Utah?
In Utah, you need to be covered before driving a car. If you have auto coverage for an existing vehicle, your insurance company may extend your plan to your new vehicle as well, but check with your agent.
New to Utah Vehicle Registration
If you just moved to Utah, you have 60 days to transfer your vehicle title and registration. To complete this, visit the nearest Utah DMV to complete an application for your new Utah title. Bring with you your current out-of-state vehicle registration, vehicle identification number (VIN), a completed certificate of inspection, proof of passing a safety and/or emissions test (if applicable), and a form of payment for registration fees.