Is Utah an at-fault or no-fault state?

Utah is a no-fault state for car insurance claims.

Field report · UT

Car insurance in Utah

Utah is a no-fault state with a minimum liability requirement of 30/65/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage30/65/251

Fault systemNo-fault1

Uninsured motoristMust be offered1

RegulatorUtah Division of Motor Vehicles (DMV), under the Utah State Tax Commission (driver licensing is handled separately by the Utah Driver License Division)

What the minimums actually mean

$30,000 per injured person, $65,000 total per accident for injuries, and $25,000 for property damage, effective January 1, 2025 (up from 25/65/15) under House Bill 113 (2023). Utah also requires a minimum $3,000 in PIP (no-fault medical) coverage on every policy, unchanged.

Not mandatory; insurers must offer UM bodily-injury coverage, but it can be rejected in writing. There is no separate UIM purchase mandate.

Estimated cost

$831 a year for minimum coverage, $2,188 for full coverage2

Average annual premiums in Utah for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Required when someone fails to maintain required insurance on a registered vehicle; typically maintained for at least 3 years.

Local conditions worth knowing

Utah's no-fault PIP system limits access to pain-and-suffering compensation unless statutory injury thresholds are met, a distinct legal factor versus neighboring at-fault states; rapid Wasatch Front population growth is also cited as raising congestion and claims frequency.

Frequently asked

What is the minimum car insurance requirement in Utah?: Utah requires liability limits of at least 30/65/25. $30,000 per injured person, $65,000 total per accident for injuries, and $25,000 for property damage, effective January 1, 2025 (up from 25/65/15) under House Bill 113 (2023). Utah also requires a minimum $3,000 in PIP (no-fault medical) coverage on every policy, unchanged.
Is Utah an at-fault or no-fault state?: Utah is a no-fault state for car insurance claims.
Do I need an SR-22 in Utah?: Required when someone fails to maintain required insurance on a registered vehicle; typically maintained for at least 3 years.
Is uninsured motorist coverage required in Utah?: Not mandatory; insurers must offer UM bodily-injury coverage, but it can be rejected in writing. There is no separate UIM purchase mandate.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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