Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Utah apart
No-fault PIP; unusual 25/65/15 minimum — the 65 catches out-of-state movers.
Minimum vs. full coverage in Utah
What each coverage level costs on the Utah average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $600 | $50 |
| Liability Only | $980 | $82 |
| Full | $1,770 | $148 |
| Full Low Deductible | $2,160 | $180 |
Minimum coverage saves about $1,173/yr vs full — but caps protection at 25/65/15. One at-fault crash above those limits and the gap is yours.
Utah car insurance FAQ
- What's the minimum car insurance required in Utah?
- Utah's state minimum is 25/65/15 — $25k bodily injury per person, $65k per accident, $15k property damage. Minimum-only runs about $600/yr but leaves you exposed above those caps.
- How much is full coverage in Utah?
- Representative full coverage averages $1,773/yr (about $148/mo), ranking Utah #17 of 51 states for cost.
- Why is Utah car insurance priced the way it is?
- No-fault PIP; unusual 25/65/15 minimum — the 65 catches out-of-state movers.