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Utah Minimum Car Insurance (30/65/25)

Use the calculator to see how Utah's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Utah requires $30,000 bodily injury per person / $65,000 bodily injury per accident / $25,000 property damage. This page prefills the calculator for Utah and cites the official source.

Reviewed November 7, 2026

What Utah requires

Utah raised its motor-vehicle liability policy floor for policies issued or renewed on or after January 1, 2025, to $30,000 for one person's injury or death, $65,000 for two or more people, and $25,000 for property damage, or a $90,000 combined single limit (Utah Code § 31A-22-304). Policies issued or renewed on or before December 31, 2024, used the older 25/65/15 figures. A separate subsection keeps a lower floor for certain self-insured private rental fleets.

A common way to write split limits is 30/65/25. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

Utah Code § 31A-22-304 (2025). Utah Code § 31A-22-304 (2025 Utah Code reprint): policies issued or renewed on or after January 1, 2025, may not limit motor-vehicle liability below $30,000 / $65,000 / $25,000 (or a $90,000 single limit). Policies issued or renewed on or before December 31, 2024, used $25,000 / $65,000 / $15,000. A special lower floor still applies to certain self-insured private rental fleets.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Utah, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Utah?

The primary source cited on this page states that Utah requires $30,000 bodily injury per person / $65,000 bodily injury per accident / $25,000 property damage. Always read the official source because statutes and department guidance can change.

Does Utah's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Utah's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Utah?

The sources we opened for the liability limits did not state that UM is a mandatory statewide coverage in the same way liability is. Offer-and-rejection rules vary; read the official source.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Utah page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.