Affordable Utah car insurance that puts you first
Root rewards Utah drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Utah auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Utah auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Beehive State
Utah drivers get city streets and red-rock road trips all in the same state. Salt Lake City anchors the Wasatch Front, while Ogden, Provo, St. George, and communities farther south bring a completely different view.
Along the Wasatch Front: I-15 connects Ogden, Salt Lake City, and Provo before continuing south toward St. George.
Five parks, plenty of road: Zion, Bryce Canyon, Capitol Reef, Canyonlands, and Arches make southern Utah a road-trip destination all its own.
Know before you go: UDOT Traffic provides road conditions, incidents, and other travel information, especially useful when snow affects mountain travel.
From Salt Lake City to Provo and beyond: Explore Utah car insurance from Root.
Utah's minimum auto insurance requirements
Utah is a no-fault state, so drivers are required to carry both Personal Injury Protection and Liability car insurance. This includes Utah residents and non-residents who have been in the state in the past year.
The minimum coverage amounts for liability and PIP car insurance required for drivers in Utah are [1]:
Liability
$30,000 for bodily injury per person
$65,000 for bodily injury per accident (multiple people injured)
$25,000 for property damage per accident
OR
$90,000 total for bodily injury and property damage
Personal injury protection
$3,000
Types of Utah auto insurance we offer
Explore our Utah car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in Utah, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Utah?
The average Utah driver pays $2,356 per year for full coverage car insurance [2].
Root customers looking to purchase Utah car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Utah Auto Insurance FAQs
What is the minimum car insurance required in Utah?
To legally operate a vehicle in Utah, you must carry liability insurance and Personal Injury Protection (PIP).
To avoid serious expenses in the event of a major accident, you should also consider coverage that protects:
You and your passengers (PIP)
Your vehicle (collision and comprehensive)
Liability insurance and Personal Injury Protection (PIP) are the coverages you are legally required to select when purchasing auto insurance in Utah.
Is it legal to drive without insurance in Utah?
No, you cannot legally drive without auto insurance in Utah. State law requires every driver and vehicle owner to maintain continuous liability insurance and Personal Injury Protection (PIP) and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Utah?
Yes. Utah requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Utah?
The easiest ways to save on your Utah car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Beehive State.
Is Utah a no-fault car insurance state?
Yes, Utah is a no-fault state. Your own Personal Injury Protection (PIP) coverage pays for your medical expenses after a crash, regardless of who caused it. You can generally only sue the at-fault driver for injuries in limited situations, such as when injuries are serious enough to meet the state’s threshold.
Is auto collision insurance required in Utah?
Utah law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and Personal Injury Protection (PIP). Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Utah?
No, Utah drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Utah to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Utah must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Utah?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Utah?
High-risk Utah drivers may be ordered by a court or the Utah Driver License Division to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
When can you sue after a car accident in Utah?
Because Utah is a no-fault state, your own personal injury protection (PIP) coverage pays for your injuries first. You can file a claim against the at-fault driver only if your medical expenses exceed $3,000, or if you suffer certain serious injuries such as dismemberment, permanent disability, or permanent disfigurement.
What happens if I'm partly at fault for an accident in Utah?
Utah uses a modified comparative negligence rule with a 50% bar. You can recover damages only if you're less at fault than the other driver, and your compensation is reduced by your share of fault. If you're found 50% or more at fault, you can't recover damages.
Helpful resources for Utah drivers
Utah Insurance Department
The Utah Insurance Department regulates insurance in the state and helps consumers with insurance questions and complaints.
Utah Department of Transportation
Utah Department of Public Safety
The Utah Department of Public Safety oversees the Utah Highway Patrol and the Driver License Division.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Utah State Legislature. Utah Code Section 31A-22-304.
Insure.com. Annual average rates were compiled in 2026.