{"id":47503,"date":"2024-12-30T11:50:26","date_gmt":"2024-12-30T19:50:26","guid":{"rendered":"https:\/\/getjerry.com\/?p=47503"},"modified":"2025-07-10T10:50:44","modified_gmt":"2025-07-10T17:50:44","slug":"utah-drivers-new-car-insurance-minimums-take-effect-in-2025","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/utah\/utah-drivers-new-car-insurance-minimums-take-effect-in-2025\/","title":{"rendered":"Utah Drivers: New Car Insurance Minimums Take Effect in 2025"},"content":{"rendered":"\n<p>Starting Jan. 1, 2025, Utah drivers will be required to carry higher minimum <a href=\"\/car-insurance\/\">auto insurance<\/a> liability amounts. This change, outlined in House Bill (113) (2023), is intended to improve financial protection for accident victims.<\/p>\n\n\n\n<p>It will impact many drivers and their insurance premiums. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"new-minimums\">Utah\u2019s new minimum liability levels<\/h2>\n\n\n\n<p>Currently, <a href=\"\/car-insurance\/utah\/\">Utah<\/a> requires all car insurance policies to carry minimum liability coverage of $25,000\/$65,000\/$15,000. However, the new law will increase these levels to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bodily injury per person:<\/strong> $30,000.<\/li>\n\n\n\n<li><strong>Bodily injury per accident:<\/strong> $65,000.<\/li>\n\n\n\n<li><strong>Property damage per accident:<\/strong> $25,000.<\/li>\n<\/ul>\n\n\n\n<p>Utah, as a <a href=\"\/car-insurance\/no-fault-states\/\">no-fault state<\/a>, also mandates a minimum of $3,000 in <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal Injury Protection (PIP)<\/a> coverage for all auto insurance policies. With this coverage, drivers file claims with their own insurers to recoup medical costs, regardless of who was at fault. It also covers lost wages and other related expenses following a car accident.<\/p>\n\n\n\n<p>The minimum PIP coverage amounts will not change in 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-this-means\">What these changes mean for Utah drivers<\/h2>\n\n\n\n<p><strong>Higher premiums:<\/strong> Many Utah drivers can expect to see a noticeable increase in their insurance premiums as insurance companies to adjust their rates to accommodate the potential for higher payouts. The impact on individual premiums will vary depending on factors like driving history, your car and location.<\/p>\n\n\n\n<p><strong>More financial protection:<\/strong> If you cause an accident, you\u2019ll be better prepared to adequately compensate the other party for their severe injuries and property damage. The inverse is true, too. If you\u2019re the victim in a serious auto accident, you\u2019ll have better odds of receiving adequate compensation for your losses.<\/p>\n\n\n\n<p><strong>Potential for more uninsured drivers:<\/strong> The increased costs could lead to an uptick in drivers that illegally forego coverage. This would lead to more accidents involving uninsured drivers. In these scenarios, you can only recover damages via your own insurance.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-protect\">How to protect yourself<\/h2>\n\n\n\n<p>While the new law helps you cover the cost of damage you may do to others in an accident, it doesn\u2019t actually protect your car. Consider additional coverage to fully protect yourself, your vehicle and your finances:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/collision-insurance\/\"><strong>Collision<\/strong><\/a><strong> coverage:<\/strong> This covers multi-vehicle accidents and single-vehicle collisions with objects, like a telephone pole.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/comprehensive-insurance\/\"><strong>Comprehensive<\/strong><\/a><strong> coverage: <\/strong>Comprehensive covers you for accidents outside of your control, like weather-related damages, theft or vandalism.<\/li>\n\n\n\n<li><strong><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/Underinsured Motorist (UM\/UIM)<\/a> coverage:<\/strong> This coverage protects you in case you&#8217;re involved in an accident with an uninsured or underinsured driver. Given the chance that more drivers will skip on coverage when the new requirements kick in, this could be a wise choice.<\/li>\n<\/ul>\n\n\n\n<p>Note that if you finance the purchase of a vehicle (or have a lien on it), you\u2019re often required by your lender to include collision and comprehensive coverage on your car insurance policy. It may also be required to recover under a GAP policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-to-do-now\">What to do now<\/h2>\n\n\n\n<p>Review your current coverage and understand its limits. If you\u2019re satisfied with the policy, you can hang tight until your coverage is up for renewal, when it will automatically adjust to comply with the new law.<\/p>\n\n\n\n<p>If you\u2019re nervous about driving in the interim with lower coverage amounts, you can opt to increase your coverage ahead of your renewal. Use comparison tools like the Jerry app to <a href=\"\/car-insurance\/car-insurance-quotes\/\">compare quotes<\/a> and coverage options in minutes.<\/p>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Best car insurance companies<\/a><\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png 250w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kevin Berry            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance\/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>New laws related to insurance minimums will likely increase the cost of carrying insurance to Utah drivers. <\/p>\n","protected":false},"author":19,"featured_media":47504,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"187\",\"type\":\"editor\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"Starting Jan. 1, 2025, Utah drivers will be required to carry higher minimum auto insurance liability amounts. This change, outlined in House Bill (113) (2023), is intended to improve financial protection for accident victims.","jerry_related_posts":"[34409,30844,46791,29609,301]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[452],"tags":[31],"class_list":["post-47503","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","category-utah","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=47503"}],"version-history":[{"count":9,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47503\/revisions"}],"predecessor-version":[{"id":63855,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47503\/revisions\/63855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/47504"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=47503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=47503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=47503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}