STATE LAW – UTAH LIBRARY – GUIDE 02
Required Auto Insurance & Minimum Limits in Utah
Utah requires motor-vehicle liability insurance and personal injury protection. For ordinary policies issued or renewed on or after January 1, 2025, minimum liability limits are $30,000 bodily injury per person, $65,000 per accident, and $25,000 property damage, subject to the self-insured private rental-fleet exception described below.
- Confirm the actual policy, insured vehicle and liability limits.
- Identify mandatory PIP and applicable first-party benefits.
- Investigate owner, employer, commercial, umbrella and excess coverage.
- Verify current Utah Code Title 31A requirements before legal reliance.
Current Utah minimum liability limits
Under Utah Code § 31A-22-304(2), ordinary policies issued or renewed on or after January 1, 2025, must provide at least $30,000 bodily injury per person, $65,000 bodily injury per accident and $25,000 property damage, or a qualifying $90,000 single limit. Subsection (1) provides 25/65/15 limits or an $80,000 single limit for policies issued or renewed on or before December 31, 2024.
Subsection (3) separately retains 25/65/15 limits or an $80,000 single limit for a policy covering a self-insured, private rental fleet. Confirm the vehicle and policy category before applying the ordinary 2025 limits.
Utah also requires PIP unless a statutory exception applies
Utah’s required motor-vehicle coverage package includes personal injury protection. Section 31A-22-307 requires at least $3,000 per person in medical-expense PIP benefits, together with specified wage-loss, household-service, funeral, and death benefits.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current Utah law at the source
The reviewed Utah guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.
Statutory sources checked October 14, 2026
The cited statutory provisions support the specific rules and qualifications described here. Apply the policy and law governing the relevant event; this source check does not certify a complete review of controlling cases.
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