Car-insurance requirements in Utah (2026)
Utah requires 30/65/25 in the usual shorthand, and the middle figure is the trap: its per-accident bodily-injury limit is not twice its per-person limit.
- Minimum liability limits
- 30/65/25
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Bodily injury liability, per accident | $65,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Property damage liability | $25,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Combined single limit (alternative to split limits) | $90,000 | alternative to the split limits above | Utah Code §31A-22-304 (HB 113, 2023) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
Any code that derives the per-accident figure by doubling the per-person figure produces the wrong answer for Utah. This site holds the three limits as three independent fields and never derives one from another. Utah also publishes a combined single limit as a statutory alternative.
How old is this minimum?
Utah’s $25,000 property-damage minimum took effect in 2025. $25,000 in January 2025 corresponds to $26,281 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Utah’s minimum of $25,000 leaves $17,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Utah’s per-accident bodily-injury limit is $65,000 — it is not twice the per-person limit. A combined single limit of $90,000 is a statutory alternative.
Utah allows a combined single limit of $90,000 as an alternative to the split limits. A combined single limit applies to the whole accident, not per coverage type.
Rating rules in Utah
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Utah
Utah Insurance Department publishes filed sample rates for 6 driver profiles across 4 ZIP codes, quoted as six-month premiums. We compute the distribution of those filed rates — 432 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Utah — minimum limits 30/65/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Bodily injury liability, per accident | $65,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Property damage liability | $25,000 | required | Utah Code §31A-22-304 (HB 113, 2023) |
| Combined single limit (alternative to split limits) | $90,000 | alternative to the split limits above | Utah Code §31A-22-304 (HB 113, 2023) |
Fault system: No-fault — verbal threshold (Utah Code §31A-22-309).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Utah
- What is the minimum car insurance required in Utah?
- Utah requires liability limits of 30/65/25 under Utah Code §31A-22-304 (HB 113, 2023).
- Is Utah a no-fault state?
- Utah operates no-fault with a verbal tort threshold.
- Where can I see what drivers in Utah actually pay?
- Utah Insurance Department publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Utah last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.