Utah car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Utah drivers must carry at least $30,000/$65,000 of bodily injury liability and $25,000 of property damage liability, plus personal injury protection (PIP) coverage. In 2023, insured drivers in Utah spent an average of $1,168.98 on car insurance, 9% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Utah the 21st most expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Utah

Coverage	Minimum
Bodily injury liability, per person	$30,000
Bodily injury liability, per accident	$65,000
Property damage liability, per accident	$25,000
Personal injury protection (PIP)	Required

You'll often see this written as 30/65/25. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

Utah raised its minimums from 25/65/15 to 30/65/25 on January 1, 2025 (House Bill 113). You can instead carry a combined single limit of at least $90,000.

Is Utah a no-fault state?

Yes. Utah is one of 12 states with a no-fault auto insurance law, according to the Insurance Information Institute. Your own personal injury protection pays your medical bills after a crash, whoever caused it. You can only sue the other driver for pain and suffering once your injuries pass a monetary threshold.

SR-22 rules in Utah

Utah's Driver License Division says a conviction for driving without insurance, or without proof of insurance, means a license suspension and an SR22 filing. An SR22 is also required if an uninsured vehicle registered to you is in a crash, or after a court order for damages from an uninsured crash.

The requirement typically lasts three years from the date of conviction, though the division's letter to you sets the exact period. Your insurer normally files the SR22 for you.

What drives car insurance costs in Utah

Average spending in Utah rose 22% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Utah average	U.S. average
2019	$954.53	$1,075.08
2020	$936.73	$1,047.76
2021	$947.33	$1,060.23
2022	$1,024.12	$1,124.45
2023	$1,168.98	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 6.2% of drivers in Utah were uninsured in 2023, lower than the national estimate of 15.4%. That's the 2nd lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Utah recorded 277 motor vehicle crash deaths in 2024, or 0.77 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 3rd lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 49% of Utah's crash deaths happened in rural areas (U.S.: 41%), 30% involved speeding (U.S.: 29%), and 15% of those killed were pedestrians (U.S.: 18%).
No-fault rules. Mandatory PIP means every policy pays for its own driver's medical costs, which shapes what you pay for that part of the policy.

Ways to save on car insurance in Utah

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Utah can vary widely. More ways to lower your bill.
Check your uninsured motorist limits anyway. Even at 6.2%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
Shop at every renewal. Prices in Utah rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Review your PIP options. In a no-fault state, PIP is a big part of the bill. Ask how different PIP limits, deductibles or coordination with your health insurance change the price.
Pick a deductible you can actually pay. Raising it lowers your premium, but only if you could cover it after a claim. How deductibles work.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.