Utah Auto Insurance

Utah is a “No Fault” state. That means that every driver is required to purchase Personal Injury Protection, PIP, in which the driver’s (“first party”) Utah auto insurance company covers non-catastrophic injury-related expenses and associated costs as a result of an accident regardless who is “at fault.” This insures that every motorist will receive immediate medical attention. Also, this limits a driver from suing or being sued for damages as a result of an accident in most cases. However, based on the severity of the accident/injury or monetary amount, if you are at fault you may be subject to a lawsuit for damages.

For more information on No Fault insurance, check out our article listed on no fault insurance.

Required Minimum Coverage - 25/50/15 $25,000 for injury liability for one person in an accident, $50,000 for all injuries in any one accident, and $15,000 for property damage in an accident.
PIP medical benefits covered by Utah auto insurance is capped at $3,000.

Mandatory Utah Auto Insurance Coverage - PIP (No Fault) policy, Property Damage Liability policy, and Bodily Injury Liability policy Proof of Utah Auto Insurance - is required.

Important Utah Auto Insurance Laws!

Penalty for Failure to Comply — if you operate or allow another to operate your vehicle without auto insurance meeting state requirements you are guilty of a class C misdemeanor. Failure to obey this law could result in the loss of your driver’s license, motor vehicle registration and license plates.

Note: to have these items reinstated, you must provide proof of adequate auto insurance, pay required reinstatement fees, and fines from $400 to $1000.00.

Non-Seatbelt Use

You can be pulled over for non-seat belt use, $45 penalty for all seats not in compliance.

For more information on UT insurance regulations visit the Utah Insurance Department's Website

Utah Insurance Department

3110 State Office Building
Salt Lake City UT 84114-6901

Phone: 801 538-3800
In-State Toll Free: 800 439-3805
Consumer Service: 801 538-3800
Consumer Health Assistance: 866 350-6242
Producer Licensing: 801 538-3855
FAX: 801 538-3829
TDD (Hearing disabled): 801 538-3826