Utah Minimum Auto Insurance Requirements (2025 Increase) and Why They Matter After a Crash
General information, not legal advice. Read the full disclaimer.
Short answer: Utah's minimum liability limits changed on January 1, 2025. For a policy issued or renewed on or after that date, Utah Code § 31A-22-304 requires at least $30,000 for bodily injury or death to one person, $65,000 for bodily injury or death to two or more people in one accident, and $25,000 for property damage — or a $90,000 combined single limit. Policies issued or renewed on or before December 31, 2024 are held to the older minimums: $25,000 / $65,000 / $15,000 (or $80,000 combined). Utah drivers also need personal injury protection (PIP).
Who this guide is for
Drivers who want to know what coverage Utah requires, and injured people who want to understand why the at-fault driver's minimum policy may be far smaller than their actual losses.
The numbers
| Coverage | Policies issued/renewed on or before Dec. 31, 2024 | Policies issued/renewed on or after Jan. 1, 2025 |
|---|---|---|
| Bodily injury — one person | $25,000 | $30,000 |
| Bodily injury — two or more people | $65,000 | $65,000 |
| Property damage | $15,000 | $25,000 |
| Combined single limit alternative | $80,000 | $90,000 |
Many articles still quote 25/65/15. Because renewal dates vary, you may see either set of limits on a policy that's covering a 2025 or 2026 accident — look at the policy's issue or renewal date.
What PIP adds
Every Utah auto policy must carry PIP coverage of not less than $3,000 per person for medical expenses, plus lost-income and household-service benefits, funeral benefits, and a death benefit. See Utah's No-Fault Tort Threshold and Utah PIP Coverage.
Uninsured and underinsured motorist coverage
Under § 31A-22-305, uninsured motorist coverage limits for policies written after January 1, 2001 are set equal to the lesser of the insured's liability limits or the maximum UM limits the insurer makes available, unless the named insured rejects or lowers that coverage by signing an acknowledgment form. A vehicle counts as "uninsured" if it has no liability coverage, has lower limits than § 31A-22-304 requires (uninsured to the extent of the deficiency), is an unidentified vehicle that left the scene, has coverage disputed by its insurer for more than 60 days, or its insurer was declared insolvent. See Utah Uninsured and Underinsured Motorist Claims.
Why the minimums often aren't enough
The per-person bodily injury limit is the most the at-fault driver's liability insurer must pay for one person's injuries in a crash, no matter how large the losses. A hospital stay, surgery, or long-term care can exceed it quickly. Your own underinsured motorist coverage is the safety net for that gap, which is why many people choose higher UM/UIM limits.
What to do if the at-fault driver's limits are low
- Check your own policy for UM/UIM coverage and med-pay.
- Ask the other insurer for the policy limits in writing as part of the claim.
- Don't sign a release before you understand how your own insurer treats the claim.
- Talk to an attorney about other responsible parties (employers, vehicle owners, businesses). See Utah's Several-Liability Rule.
Frequently asked questions
What are Utah's minimum liability limits in 2026?
For policies issued or renewed on or after January 1, 2025: $30,000 per person and $65,000 per accident for bodily injury, and $25,000 for property damage (or a $90,000 combined single limit).
Did the minimums change recently?
Yes, on January 1, 2025. The property damage minimum rose from $15,000 to $25,000 and the one-person bodily injury minimum from $25,000 to $30,000.
Is PIP part of the minimum?
Yes. PIP of not less than $3,000 per person is required.
Can I reject uninsured motorist coverage?
Yes, by signing the acknowledgment form the statute describes — but doing so can leave you without a safety net if the other driver has little or no insurance.
Does the minimum cover my own injuries?
Liability coverage pays for injuries you cause to others. Your own injuries are covered by PIP and, if you have it, UM/UIM and med-pay.