Introduction
Utah law requires every driver to carry specific types of auto insurance coverage to ensure financial responsibility in the event of a collision. These coverages protect you, your passengers, and others on the road.
Required Coverages
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Liability Insurance (mandatory)
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Covers damages and injuries you cause to others in an accident.
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Utah minimum liability requirements:
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$25,000 for injury or death of one person.
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$65,000 total for injury or death of two or more people.
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$15,000 for property damage.
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Personal Injury Protection (PIP) (mandatory)
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Utah is a no-fault state, which means your insurance pays for your own medical expenses regardless of who caused the crash.
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Minimum PIP coverage: $3,000 per person for medical expenses.
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Can also cover lost wages and household services depending on policy terms.
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Optional but Common Coverages in Utah
(Not legally required, but highly recommended)
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Collision Coverage – Pays for repair or replacement of your vehicle after a crash, regardless of fault.
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Comprehensive Coverage – Covers non-collision damages such as theft, vandalism, fire, hail, or hitting an animal.
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Uninsured/Underinsured Motorist Coverage (UM/UIM) – Protects you if the other driver has little or no insurance.
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Roadside Assistance / Rental Reimbursement – Helps with towing, breakdowns, or car rental while yours is being repaired.
Why It Matters
Carrying the required insurance ensures you are driving legally in Utah. Adding optional coverages can provide extra peace of mind and financial protection beyond the state minimums.
Takeaway: In Utah, Liability Insurance and PIP (No-Fault) coverage are required by law. Additional coverages like collision, comprehensive, and UM/UIM provide greater protection but are optional.