How Utah’s Minimum Coverage Compares to Neighboring States

If you’re looking into auto insurance quotes salt lake city and wondering how Utah’s requirements stack up to nearby states like Colorado, Idaho, or Nevada, it’s worth understanding what sets Utah apart—especially if you travel or move across state lines.

Utah requires all drivers to carry a minimum of $25,000 per person and $65,000 per accident for bodily injury liability, along with $15,000 for property damage. It’s also one of the few states that mandates Personal Injury Protection (PIP) coverage, with a minimum of $3,000. This added layer helps cover your own medical expenses regardless of who was at fault, offering a bit more financial security in case of an accident.

In contrast, states like Idaho and Arizona have lower bodily injury limits, while Nevada’s property damage requirements are slightly higher. Colorado, on the other hand, does not require PIP coverage at all.

So while Utah’s minimums are somewhat middle-of-the-road, the inclusion of PIP can increase your base premium—but also gives you more protection. Drivers who frequently cross state lines should consider coverage that exceeds the minimums to stay fully protected wherever they go.