Short answer: Utah policies issued or renewed on or after January 1, 2025 must carry at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage, or a $90,000 combined limit. Every policy also includes at least $3,000 of personal injury protection (PIP), and lawsuits for general damages are limited unless an injury crosses a threshold.
Utah's minimums changed in 2025
Utah Code §31A-22-304 sets two schedules:
| Policy issued or renewed | Bodily injury, per person | Bodily injury, per accident | Property damage | Or combined single limit |
|---|---|---|---|---|
| On or before Dec. 31, 2024 | $25,000 | $65,000 | $15,000 | $80,000 |
| On or after Jan. 1, 2025 | $30,000 | $65,000 | $25,000 | $90,000 |
If you see 25/65/15 quoted, that's the pre-2025 schedule. It no longer applies to a policy written or renewed since January 1, 2025. Self-insured private rental fleets stay on the older limits.
The Utah Insurance Department confirms that every vehicle must carry at least bodily injury and property damage liability coverage.
What Utah PIP pays
Utah is a no-fault state for injuries. Under §31A-22-307, PIP benefits must include at least:
- Medical: $3,000 per person for necessary medical, surgical, X-ray, dental, rehabilitation, ambulance, hospital and nursing services.
- Lost income: the lesser of $250 per week or 85% of lost gross income, for up to 52 consecutive weeks. The first three days aren't paid unless the disability lasts more than two weeks.
- Household services: up to $20 per day for 365 days for services you would have done for your household.
- Funeral: up to $1,500.
- Death benefit: $3,000 to the heirs.
Two other rules from the statute stand out: deductibles aren't allowed on required PIP, and a named insured and spouse with no earned income may waive the lost-income benefit in writing.
Who PIP covers
Under §31A-22-308, PIP covers:
- the named insured in any motor vehicle accident in the U.S., its territories or Canada;
- relatives living in the household; and
- anyone else occupying your car with permission, or a pedestrian hit by your car in Utah.
When someone is covered by more than one policy, the policy on the vehicle in use is primary.
The no-fault threshold
§31A-22-309 bars a lawsuit for general damages, such as pain and suffering, unless the injured person has:
- death;
- dismemberment;
- permanent disability or impairment based on objective findings;
- permanent disfigurement;
- a bone fracture; or
- medical expenses over $3,000.
The threshold doesn't apply to uninsured motorist claims.
Prompt payment rules
PIP is paid monthly as expenses come in. Benefits are overdue if the insurer doesn't pay within 30 days of reasonable proof. Overdue amounts bear interest at 1.5% a month, and if you have to sue to collect, the insurer also owes reasonable attorney fees. PIP benefits are reduced by any workers' compensation benefits for the same accident.
Uninsured motorist: equal to liability by default
Under §31A-22-305, UM limits on new policies equal your liability limits, or the insurer's maximum UM if lower, unless a named insured signs an acknowledgment form to reject UM or buy less. That choice stays in place with that insurer until you ask in writing to change it.
Fault: 50% bars recovery
Utah's comparative negligence statute, Utah Code §78B-5-818, lets you recover only if the defendant's fault exceeds yours. A driver who is 50% at fault recovers nothing from the other driver, though PIP still pays.
Scenarios
A Provo rear-end crash with $1,800 of physical therapy. PIP pays, and with no fracture or permanent injury, a pain-and-suffering lawsuit isn't allowed.
A St. George crash that breaks your wrist. A bone fracture meets the threshold, so you can pursue general damages against the at-fault driver.
Your 2024 policy renews in March 2026. The renewal must meet 30/65/25 at a minimum.
Bottom line
Utah's minimum is now 30/65/25 plus $3,000 of PIP, and PIP's limits are modest. Consider higher liability and UM limits, and see our car insurance minimums by state page.
Contact Alishahi Insurance or call (877) 711-4545. See insurance in Utah and auto insurance.
Frequently asked questions
What is the minimum car insurance in Utah in 2026?
For policies issued or renewed on or after January 1, 2025: 30/65/25, or a $90,000 combined limit, plus $3,000 PIP.
How much PIP is required in Utah?
At least $3,000 per person for medical expenses, plus lost income, household services, funeral and death benefits.
Is Utah a no-fault state?
Yes. You can sue for general damages only after death, dismemberment, permanent impairment or disfigurement, a fracture, or over $3,000 in medical expenses.
Can I choose a PIP deductible in Utah?
No. Deductibles aren't permitted on Utah's required PIP coverage.
Can I recover if I'm 50% at fault in Utah?
No. You recover only if the other party's fault exceeds yours.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.