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.

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Auto insurance requirements are based on your location.

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

Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.

Not required²

Comprehensive
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.