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Utah’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Utah:

Is it mandatory to have car insurance in Utah?


What are the minimum limits for Utah? 

$25,000 bodily injury per person 
$65,000 bodily injury per accident 
$15,000 property damage per accident



Dairyland® coverage in Utah

At Dairyland, we’re proud to be able to help drivers in Utah meet their insurance needs. Here are some of the parameters of our insurance coverage in Utah:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Utah?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Utah? Can a customer reject them?

Bodily Injury, Property Damage, Personal Injury Protection, and Uninsured Motorist must be offered. However, Uninsured Motorist can be rejected. Personal Injury Protection can’t be rejected. Personal Injury Protection work-loss benefits can be waived if the insured does not have gainful employment.

What are all the coverages Dairyland offers in Utah?

  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury
  • Collision
  • Comprehensive
  • Rental Reimbursement
  • Lienholder deductible
  • Special Equipment
  • Towing and Labor
  • Uninsured Motorist Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Utah? 

20 years 

How far back does Utah go to look at violation history? 

3 years

What additional policy types are offered in Utah?

Named Non-Owner

Is an insurance score used in my rating in Utah? If so, is it mandatory? 

Yes, an insurance score is used for rating in Utah, but it’s not mandatory.

What policy terms does Dairyland offer in Utah? 

1, 2, 3, and 6 months. Customized is also available.

What is Dairyland’s minimum down payment option in Utah? 

1 month

Are SR22s used in Utah?  If so, is there a fee assessed by Dairyland?  

SR22s are available, filed at no charge.

What discounts are available from Dairyland in Utah?

  • Advance quote
  • Defensive driver
  • Homeowners
  • Multi-car
  • Paid in full
  • Quarterly
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