Utah's Core Coverage Requirements
Utah mandates three primary liability limits for drivers: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage. These figures represent the minimum that insurers must offer, but most policyholders opt for higher limits because the state's thresholds can leave gaps in coverage, especially if the total damages exceed the caps.
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Why the State's Minimum Might Not Be Enough
Even if a driver meets the statutory minimums, a serious collision can still result in out‑of‑pocket expenses. For example, a single fatality could trigger liability claims far beyond the $15,000 per person cap. Additionally, Utah's minimum property‑damage limit of $5,000 may be insufficient for repairing modern vehicles, which can cost tens of thousands for comprehensive repairs.
Optional Coverages That Enhance Protection
Beyond the mandated limits, drivers can add:
- Uninsured/Underinsured Motorist Coverage – protects if the other driver lacks sufficient insurance.
- Collision – covers damage to your own vehicle when you collide with another object.
- Comprehensive – covers non‑collision incidents such as theft or natural disasters.
- Medical Payments (MedPay) – pays medical bills regardless of fault.
Choosing the Right Liability Limits
Consider factors like vehicle value, personal assets, and risk tolerance. A common recommendation is 100/300/10: $100,000 per person, $300,000 per accident, and $10,000 for property damage. These higher limits reduce the likelihood of uncovered losses.
How to Verify Your Coverage Meets Utah Law
Insurance providers issue a Physical Damage Insurance Certificate (PDIC) that lists liability limits. Review this document to ensure it aligns with the state's requirements. If your insurer offers lower limits than the statutory minimum, request a policy adjustment.
Penalties for Non‑Compliance
Driving without valid insurance or with insufficient coverage can result in fines, license suspension, and vehicle impoundment. Utah also requires a proof‑of‑coverage card to be displayed in the vehicle at all times.
Bottom Line
Utah's minimum auto insurance limits are $15,000 per person, $30,000 per accident, and $5,000 for property damage. While these are the legal floor, most drivers benefit from higher limits and additional coverages to protect against the real costs of an accident.