Minimum car insurance in Utah.
What Utah requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Utah, the minimum liability limits are written 30/65/25 (in thousands): $30,000 for injury to one person, $65,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Utah uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
No-fault with tort threshold. Limits rose from 25/65/15 for policies issued or renewed on or after Jan 1, 2025. PIP of $3,000 required.
What the minimum means in practice
Say a crash you cause injures three people. The Utah minimum pays at most $30,000 to any one of them and $65,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Utah
Failing to insure a vehicle is a Class B misdemeanor with a fine of at least $400 for a first offense and $1,000 for a second within three years. After conviction the Department of Public Safety suspends the license until proof of security and a reinstatement fee are provided.
Proof of insurance
Drivers must carry proof and show it to an officer on request, electronic proof on a mobile device is allowed, and Utah compares registrations against its insurance policy database and mails a request for proof when no match is found.
SR-22 and similar filings
Utah accepts a current SR-22 from a Utah-licensed insurer or agent as one way to prove coverage when reinstating a revoked vehicle registration.
Also worth knowing in Utah
Reinstating a revoked registration costs $100, which is waived if the vehicle was insured on the date the registration was revoked.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Utah a no-fault state?
Utah uses a no-fault style system for medical costs, with its own rules.