Car insurance in Utah (30/65/25)
- Minimum car insuranceFor policies issued or renewed on or after January 1, 2025, Utah requires at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage (up from 25/65/15). Personal injury protection of at least $3,000 per person is mandatory, and uninsured motorist coverage is included at your liability limits unless you reject it or choose less on a signed form. Source
- Fault systemUtah is a no-fault state: your own PIP pays your initial injury costs, and you can sue the at-fault driver for pain and suffering only if your medical expenses exceed $3,000 or the injury meets a serious-injury threshold such as a fracture, permanent disability, or death. Source
Business insurance rules in Utah
- Workers’ compensationWith few exceptions, every Utah employer with employees must carry workers' compensation. Exceptions include sole proprietors and partnerships with no employees, certain domestic employers, and commission-only real estate brokers and insurance agents. Source
- Contractor licensingUtah's Division of Professional Licensing (DOPL) licenses construction contractors, and an applicant must file proof of public liability insurance and workers' compensation coverage for employees before a license is issued. Source
Home insurance in Utah
- Home insurer of last resortStandard homeowners policies in Utah typically exclude earthquake, earth movement, mudslide and flood, which require an endorsement or a separate policy. Source
Disasters, floods, hail, tornadoes and earthquakes in Utah
| Measure | Utah | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 10 | #48 (tied) of 51 | Most often for flood (6), severe storm (3), earthquake (1). Wasatch County has been in 3 of them. |
| National Flood Insurance Program claims, 2005–2025 | 428 | #50 of 51 | $3.3 million paid; 83% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 15% | #37 of 50 | 1,236 policies for 8,149 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 151 | #41 of 51 | 1 of them 2 inches or larger. Largest stone 2 inches, Beaver County, August 2021. |
| Tornadoes, 2016–2025 | 19 | #42 of 51 | 3 rated EF2 or stronger; 142 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 29 | #11 of 51 | Largest: magnitude 5.7, 5 km NNE of Magna, Utah, March 18, 2020. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Utah.
The property risks that matter in Utah
The Wasatch Fault runs beneath the Salt Lake City metro, yet earthquake coverage remains uncommon among Utah homeowners.
Earthquake damage is excluded from standard homeowners policies. In Utah, earthquake coverage is available by endorsement or standalone policy, typically with a percentage deductible; compare the deductible in dollars before deciding.
Wildfire risk has changed home insurance availability in parts of Utah.
Worth knowing in Utah
Utah is the only state in this group with a no-fault auto system, so every policy carries at least $3,000 of PIP, and Utah raised its liability minimums to 30/65/25 in 2025.
Annual review checklist for Utah
- Compare your auto liability limits with the Utah minimum of 30/65/25 and with your actual assets.
- Get an earthquake quote and compare the percentage deductible in dollars.
- Document defensible space and home hardening work with dated photos for your insurer.
- Add water backup coverage and keep heat on when the home is empty.
- Landlords: confirm fair rental value and liability on each unit.
Utah’s insurance regulator
Insurance in Utah is regulated by the Utah Insurance Department, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a Utah nonresident insurance producer license (#1140530, NPN 21022298) and places Utah policies directly.
Common questions
What is the minimum car insurance in Utah?
For policies issued or renewed on or after January 1, 2025, Utah requires at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage (up from 25/65/15). Personal injury protection of at least $3,000 per person is mandatory, and uninsured motorist coverage is included at your liability limits unless you reject it or choose less on a signed form.
Is Utah a no-fault state?
Utah is a no-fault state: your own PIP pays your initial injury costs, and you can sue the at-fault driver for pain and suffering only if your medical expenses exceed $3,000 or the injury meets a serious-injury threshold such as a fracture, permanent disability, or death.
Do employers in Utah need workers’ comp?
With few exceptions, every Utah employer with employees must carry workers' compensation. Exceptions include sole proprietors and partnerships with no employees, certain domestic employers, and commission-only real estate brokers and insurance agents.
What can a Utah homeowner do if no insurer will write the house?
Standard homeowners policies in Utah typically exclude earthquake, earth movement, mudslide and flood, which require an endorsement or a separate policy.
Why are insurers declining homes in parts of Utah?
Wildfire risk models and rising rebuild costs have led some insurers to limit new business in high-risk areas.
More answers: Utah homeowners insurance guide Utah renters insurance and security deposit guide Utah life insurance consumer guide Utah flood risk and NFIP guide Salt Lake City home and auto insurance guide
Sources
- Utah: Minimum car insurance
- Utah: Fault system
- Utah: Workers’ compensation
- Utah: Home insurer of last resort
- Utah: Contractor licensing
- Utah: insurance regulator
- NAIC: directory of state insurance departments
General information as of October 2026, not legal advice; confirm current rules with the agency.