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Liability Insurance — Utah

Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.

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What Is Liability Insurance Insurance?

Liability insurance is the foundation of every auto policy in Utah. It covers the other driver's medical expenses, lost wages, and vehicle repairs when you are at fault. Your policy pays up to your selected limits, and you are personally responsible for any amount beyond those limits.

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Who Needs Liability Insurance Insurance?

Liability insurance is legally required for every driver in Utah. You must carry at least the state minimum limits to register a vehicle and drive legally.

Start with Utah's minimum limits if cost is the primary constraint. The cost difference is small compared to the financial protection, and higher limits also increase your uninsured motorist coverage in Utah, which mirrors your liability limits.

How Much Does Liability Insurance Insurance Cost?

Your ZIP code — urban areas like Salt Lake City and Provo have higher liability rates due to accident frequency and medical costs.
Your age and driving experience — drivers under 25 and over 70 pay higher liability premiums due to statistically higher at-fault accident rates.
Your claims history — filing two or more liability claims in three years can double your premium or result in non-renewal.

Related Coverage Types

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Non-Owner Car Insurance→

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Uninsured and Underinsured Motorist Coverage→

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Personal Injury Protection→

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Minimum Coverage Car Insurance→

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Meet Utah's Requirements Without Overpaying

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