Utah Auto Insurance Guide for First-Time Drivers
Utah requires 30/65/25 liability coverage and is a no-fault state.
Free to compare
Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Utah operates as a no-fault state with modified tort rules, meaning your own insurance covers your medical expenses regardless of who caused the crash, up to your Personal Injury Protection (PIP) limit. The Utah Insurance Department requires all drivers to carry proof of insurance and will suspend registration for lapses. Utah also uses a database verification system that notifies the state within 24 hours if your policy cancels.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Utah
$286/mo
Typical monthly rate in Utah, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-5am
Passengers
no passengers for first 6 months (family exempt; secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of every Utah auto policy — covers bodily injury and property damage you cause to others. Your premium (the amount you pay monthly) is based on your coverage limits, and your liability coverage has no deductible (the amount you pay out-of-pocket before insurance kicks in).
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both you and your vehicle. Collision pays for crash damage to your car regardless of fault; comprehensive covers theft, weather, vandalism, and animal strikes.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events — theft, hail, flood, fire, falling objects, and animal strikes. You choose a deductible (typically $250–$1,000), which is what you pay before insurance covers the rest.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. Functions as a safety net when the at-fault driver cannot pay for the harm they caused.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of who was at fault. You pay your chosen deductible first, then insurance covers the rest up to your car's actual cash value.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility the Utah Driver License Division requires after certain violations like DUI, driving uninsured, or multiple at-fault crashes. Your insurer files the SR-22 form directly with the state to prove you carry continuous coverage.