Utah Insurance Requirements & Rates

Utah requires minimum liability coverage of 25/65/15 (bodily injury per person / per accident / property damage). Utah is a no-fault state, meaning your own insurance pays for your injuries regardless of who caused the accident. Uninsured motorist coverage is not required but recommended. Personal injury protection (PIP) is also required.

Utah homeowners face risks from earthquakes, wildfires, flooding, landslides. The flood risk level is moderate and earthquake risk is high. Standard deductibles apply. The average annual home insurance premium is $1,502.

Utah requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is march–november.

Yes, workers' compensation insurance is required in Utah. Sole proprietors and partners may opt out. Utah has approximately 350,000 small businesses, with top industries including Technology, Healthcare, Tourism & Outdoor Recreation.

Yes, Utah has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 9%.

Yes, landlords in Utah can require tenants to carry renters insurance as a condition of the lease. About 31% of Utah residents are renters, with average monthly rent of $1,300.

With a median household income of $79,449, most Utah families should consider 10-12x their annual income in life insurance coverage. Currently, 55% of Utah households have life insurance.