When you're driving in Utah, having the right auto insurance isn’t just about staying legal—it's about protecting yourself, your family, and your financial future. Understanding Utah auto insurance requirements can help you make informed decisions about your coverage.

Utah's Minimum Auto Insurance Requirements

Utah is a no-fault state, which means drivers must carry specific minimum coverages to comply with state law. These include:

• Liability Coverage:$25,000 per person for bodily injury, $65,000 total per accident, and $15,000 for property damage (often shown as 25/65/15).
• Personal Injury Protection (PIP): Utah requires a minimum of $3,000 in PIP coverage to help pay for medical bills after an accident, regardless of fault.

What PIP Covers

PIP helps with immediate medical expenses, lost wages, and essential services if you're hurt in a collision. While $3,000 is the state minimum, medical costs can add up quickly—making higher limits worth considering for added peace of mind.

Why Higher Limits Are Recommended

Minimum limits often aren’t enough to cover the full cost of a serious accident. Choosing higher liability limits can help protect your savings, home, and income. Many Utah drivers opt for 100/300/100 or higher to ensure stronger protection.

Ready to Compare Options?

If you're reviewing your Utah auto insurance or want to make sure you’re fully protected, we’re here to help. You can explore coverage details or request a quote anytime at https://bullfrogins.com.

Have questions or need guidance on the right coverage for your situation? Contact us—our team is always happy to help you find the best fit.