Older minimums still appear online. For standard personal auto coverage issued or renewed on or after January 1, 2025, Utah’s split liability minimums are 30/65/25.
What does 30/65/25 mean?
- $30,000 for liability for bodily injury or death of one person in an accident.
- $65,000 total for liability for bodily injury or death of two or more people in an accident, subject to the per-person limit.
- $25,000 for liability for damage to other people’s property in an accident.
Utah Code §31A-22-304 also provides a $90,000 combined single limit alternative. The statute contains a specific exception for a self-insured private rental fleet; this article addresses a standard personal auto review, not every vehicle or fleet arrangement.
Are legal minimums enough for me?
They are a legal baseline, not an individual recommendation. A serious loss can exceed a liability limit, leaving an uninsured portion for which you may be responsible. Review assets, driving, household members, and the protection available rather than assuming the minimum fits every situation.
Where does personal injury protection fit?
Personal injury protection (PIP) is separate from liability coverage for harm to others. Utah Code §31A-22-307 describes required PIP medical benefits of at least $3,000 per person for necessary covered medical services. It also describes other benefits, such as specified income-loss and household-service benefits, subject to conditions and limits. The medical figure is not the complete description of every PIP benefit.
The Utah Insurance Department explains that people injured in a covered vehicle generally look first to that vehicle’s PIP for initial covered medical expenses. Eligibility, vehicle type, policy terms, and claim facts matter; this is not a claim decision or an exhaustive account of statutory exceptions.
Does that cover damage to my car?
Liability and PIP are not substitutes for collision or comprehensive coverage for your vehicle. A loan or lease may also require coverage beyond state liability minimums. Discuss deductibles and uninsured and underinsured motorist protection as part of the same review.
What should I bring to a review?
- Accurate drivers, addresses, mileage, and vehicle use.
- Current limits and deductibles.
- Loan or lease requirements and questions about coverage gaps.
Explore auto insurance questions or start a coverage review request. Nothing here binds coverage.
Do not confuse the minimum with a complete policy
A legal liability limit does not establish that your own vehicle is protected for a collision, theft, or weather damage. A lender may require physical-damage coverage, and your household may want different liability limits. Compare the same drivers, vehicles, garaging address, and deductible assumptions before deciding which quote fits.
For the injury-benefit side, read Utah PIP and no-fault explained. If you received a filing notice, see what a Utah SR-22 does. Local guides for Orem car insurance and Lehi coverage questions help prepare accurate application details.
What are Utah’s current split auto liability minimums?
For standard personal auto policies issued or renewed on or after January 1, 2025, the split minimums are $30,000 per person, $65,000 per accident for bodily injury, and $25,000 for property damage. The law also provides a $90,000 combined-limit alternative and specified exceptions.
Are minimum liability limits a personal recommendation?
No. They are a legal baseline. Discuss your household, potential liability, and protection for the vehicle separately before selecting coverage.
A quote request does not bind insurance. General education only; applicable law, eligibility, underwriting, and policy terms control.
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