The Beehive State

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Utah Auto Insurance Coverage

Home to the beautiful Zion National Park and the yearly Sundance Film Festival, there's lots to do when in Utah. But, whether you're new in town or have deep roots in the Beehive State, it's important to know the auto insurance requirements in Utah.

Required Auto Insurance in Utah

Utah requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Utah requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $65,000 per accident.
  • Property Damage: $15,000 per accident.
  • Personal Injury Protection: $3,000 minimum.

Utah Teen Driving Laws

Utah operates under a Graduated Driver's License (GDL) program, which includes two stages: Learner's Permit and Full Driver's License. 

  • Learner's Permit: At 15, Utah teens may obtain a Learner's Permit after passing a written exam. A Learner's Permit allows teens to drive with a parent or legal guardian. Teens must complete 40 hours of supervised driving practice (10 hours at night) before moving to the next stage.
  • Full Driver's License: After holding their permit for 6 months, teens may apply for a Full Driver's License after passing a road skills exam. No drivers under 17 may operate a vehicle between the hours of midnight and 5:00 AM.

Please be aware of additional restrictions for teen drivers in Utah.

Utah Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Utah. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Utah

No law in Utah states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of situations.

Start your Utah auto insurance quote online, or by calling (888) 772-4247.

Learn More About Utah

A Welcome to Utah road sign
About Utah

Utah became America's 45th state in 1896. Utah is most known for its skiing, with the mountains in Salt Lake City averaging about 500 inches of snow per year.