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Utah drivers saw their minimum limits rise on January 1, 2025, from 25/65/15 to 30/65/25. Policies below the new limits were adjusted at their first renewal in 2025, and the per-accident bodily injury figure of $65,000 stayed the same. Utah also requires personal injury protection of $3,000 per person, which pays medical expenses and lost income for you and your passengers regardless of who caused the crash. That PIP requirement is why Utah is often listed among no-fault states.
Utah's enforcement leans on a statewide database. The Uninsured Motorist Identification Database lets officers and the DMV check whether a vehicle is covered, and an officer may not cite you for not carrying proof if the database shows you are insured. The penalties for being uninsured are criminal: a Class B misdemeanor with fines of at least $400 for a first offense and at least $1,000 for a repeat offense within three years, plus an SR-22 requirement.
| Minimum liability | 30/65/25 (BI per person / BI per accident / PD, in $1,000s) |
|---|---|
| Other required coverage | Personal injury protection (PIP): $3,000 per person |
| Fault system | No-fault |
| Credit-based insurance scores | Restricted |
| SR-22 / proof of financial responsibility | A conviction for driving without insurance requires an SR-22 filing with the Driver License Division, which typically lasts three years from the date of conviction, though your official notice may specify a different period. |
Utah minimum liability limits
To register and drive a car in Utah you need at least this much liability coverage:
- $30,000 for injuries to one person in an accident you cause.
- $65,000 in total for injuries to everyone in that accident.
- $25,000 for damage to other people's property, such as their car.
Utah's minimum rose from 25/65/15 to 30/65/25 for policies issued or renewed on or after January 1, 2025. A policy can also meet the requirement with a $90,000 combined single limit.
Tip: The minimum is a legal floor, not a recommendation. If a serious crash costs more than your limits, you could be personally responsible for the rest. See how much liability coverage you may need.
Other required and offered coverage
Besides liability, Utah requires:
- Personal injury protection (PIP): $3,000 per person
Learn more about uninsured motorist coverage and personal injury protection.
Is Utah a no-fault state?
Utah is a no-fault state. After most crashes, your own personal injury protection (PIP) pays your medical bills and some lost income first, whoever caused the accident. You can usually step outside the no-fault system and claim against the other driver only if injuries pass a legal threshold.
Utah is usually grouped with no-fault states because its mandatory PIP pays first-party medical costs regardless of fault, but fault still matters for larger claims. Utah uses modified comparative negligence, so you cannot recover if you are 50 percent or more at fault.
Read more: at-fault vs. no-fault states explained.
Can insurers use your credit in Utah?
Status: Restricted. Utah rules (Utah Administrative Code R590-219) limit how insurers may use credit information; for example, it cannot be the only factor in an underwriting decision. Check with the Utah Insurance Department for current details.
See how credit affects car insurance for the bigger picture.
Penalties for driving uninsured in Utah
Operating without required insurance is a Class B misdemeanor. The fine is at least $400 for a first offense and at least $1,000 for a second or later offense within three years, and a conviction triggers a license suspension and an SR-22 requirement. The DMV can also revoke the vehicle's registration.
Utah uses the Uninsured Motorist Identification Database (UMID). If the database shows a vehicle or driver is insured, an officer may not cite the driver for failing to carry proof of insurance.
A conviction for driving without insurance requires an SR-22 filing with the Driver License Division, which typically lasts three years from the date of conviction, though your official notice may specify a different period.
If you are ordered to file proof of insurance, see what SR-22 insurance is.
Tips for Utah drivers
- Check your renewal paperwork. If your policy was written before 2025 with the old 25/65/15 limits, confirm your insurer raised it to at least 30/65/25.
- Know what your $3,000 of PIP covers. Utah's glossary describes it as mandatory no-fault coverage for medical expenses and lost income, so it can help even when another driver caused the crash.
- Carry proof of insurance anyway. The UMID database can protect you from a citation if it shows you are insured, but a data mismatch can still happen after a new policy or vehicle change.
- If you are convicted of driving without insurance, ask the Driver License Division how long your SR-22 must be kept. It is typically three years from the conviction date, and your insurer must keep the filing in place for that period.
- Utah limits how insurers may use credit information; for example, credit cannot be the only factor in an underwriting decision. If you think credit affected your rate, ask your insurer to explain and contact the Utah Insurance Department if needed.
When you shop, compare quotes from several insurers using the same limits and deductibles, so the prices are like-for-like.
Official resources
- Insurance regulator: Utah Insurance Department
- Motor vehicle agency: Utah Division of Motor Vehicles
Your state insurance department can answer questions about your rights and handle complaints about insurers.
Frequently asked questions
What are Utah's minimum car insurance limits?
For policies issued or renewed on or after January 1, 2025, Utah requires 30/65/25: $30,000 for injury to one person, $65,000 for injury to two or more people, and $25,000 for property damage. A $90,000 combined single limit also satisfies the law. Utah also requires $3,000 of PIP per person.
Is Utah a no-fault state?
Utah requires personal injury protection of $3,000 per person, which pays first-party medical costs regardless of fault, so it is commonly listed as a no-fault state. Fault still matters for larger claims, and you can pursue the at-fault driver for losses beyond what PIP covers, subject to Utah's comparative negligence rule.
What is the penalty for driving without insurance in Utah?
It is a Class B misdemeanor. The fine is at least $400 for a first offense and at least $1,000 for a second or later offense within three years. A conviction triggers a license suspension and an SR-22 requirement, and the DMV or law enforcement can revoke the vehicle's registration.
How long do I need an SR-22 in Utah?
The Driver License Division says the SR-22 requirement typically runs for three years from the date of conviction, though your official notice may state a different period. Your insurance company files the SR-22 with the division, and the division accepts only an approved form titled Financial Responsibility Form. A reinstatement fee also applies.
Sources
- Utah Insurance Department - 10 Things to Know About Buying Auto Insurance
- Utah Insurance Department - 2023 Auto Insurance Comparison Table
- Utah Division of Motor Vehicles - Vehicle Insurance Requirements
- Utah Driver License Division - SR22 Insurance
- KSL.com - Utah's auto insurance limits increased Jan. 1
General information only. State rules change. Confirm current requirements with the Utah Insurance Department or your insurer before you buy. This page is not insurance or legal advice.