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Utah Car Insurance

Be protected on the road

When it comes to auto insurance, every state is different. See what coverages and coverage limits Utah requires in the table below. These requirements are just a starting point — you may want to purchase additional coverage or increase your coverage limits.

A Utah Allstate agent can help you understand the different insurance types available to you.


When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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Auto insurance requirements are based on your location. You're looking at auto requirements in Utah. Pick a new state to see its laws:

Coverage Type
Utah Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$25,000 limit per person/$65,000 limit per accident1
Property Damage Liability
Helps cover expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$15,000 limit1
Uninsured Motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover Your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Not required
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover your medical bills or funeral expenses.
$3,000 limit
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required2
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required2

All coverages are subject to the coverage limits stated in your policy.

1Instead of separate limits for bodily injury liability and property damage liability coverage, policyholders can satisfy the requirement with a combined single-limit policy of $80,000 for bodily injury and property damage.

2Although Utah law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

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Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2020 Allstate Insurance Company, Northbrook, IL.

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.
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