Utah car insurance laws require bodily injury liability coverage of $25,000 per person (up to $65,000 per accident), $15,000 of property damage liability coverage, and $3,000 of personal injury protection coverage.
The first two categories - bodily injury liability and property damage liability - cover injuries or damage that you accidentally cause with your car. Your car insurance pays up to a specified limit for each category. If you want additional coverage, you can choose higher limits than the ones required by Utah law.
Utah has no-fault insurance insurance. Most states that require personal injury protection coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That’s when personal injury protection can come in handy for an injured driver.
Since insurance is required by Utah law, you can face multiple penalties if you’re caught driving without it, including up to $1,000 in fines and jail time. Another important Utah car insurance law to note is the grace period for new residents: You have 60 days to register your car when you move to Utah. You’ll need to bring proof of Utah car insurance when you go to register, with at least the following coverage types and amounts.
Minimum Coverage Required by Utah Car Insurance Laws:
Bodily injury liability: $25,000 per person / $65,000 per accident
Property damage liability: $15,000
Uninsured and Underinsured motorist insurance: Not Required
Personal injury protection: $3,000
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