Utah: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $30,000 / $65,000 / $25,000 |
|---|---|
| Other coverage you must carry | PIP $3,000; UM/UIM unless rejected in writing |
| Fault system | No-fault (PIP pays first; lawsuits limited) |
| Shared-fault rule | Modified comparative: barred at 50% fault or more |
| Shared-fault law | Utah Code § 78B-5-818 |
Limits rose from 25/65/15 on Jan. 1, 2025.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Utah.
Also for Utah: Workers' comp deadlines in Utah · Claim deadlines in Utah
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.