Personal Injury Protection (PIP) in Utah

Personal Injury Protection (PIP) insurance costs, requirements, and coverage details for Utah (UT).

Avg Cost (National)

$210/yr

Utah Avg Premium

$1,610/yr

$116 below national avg

Typical Limits

Varies by state and provider

Required?

What is Personal Injury Protection (PIP)?

Covers medical expenses for you and passengers regardless of fault. Required in no-fault states.

This coverage type is recommended by most insurance experts.

Utah Insurance Requirements

Utah requires:

25/65 / 15 liability

Utah Insurance Cost Breakdown

Coverage Level	Annual Cost	Monthly
Minimum Liability	$530	$44
Average Premium	$1,610	$134
Full Coverage	$1,610	$134

Utah at a Glance

Fault System

No-Fault

Uninsured Rate

8.2%

Cheapest Insurer

GEICO

Other Coverage Types in Utah

Liability$620/yr Collision$430/yr Comprehensive$190/yr Uninsured/Underinsured Motorist$160/yr Gap Insurance$60/yr Medical Payments (MedPay)$45/yr Roadside Assistance$25/yr

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does Personal Injury Protection (PIP) cost in Utah?

Personal Injury Protection (PIP) insurance averages about $210 per year nationally. In Utah, the overall average car insurance premium is $1,610/yr ($116 below the national average). Actual personal injury protection (pip) costs vary based on your driving record, vehicle, and insurer.

Is Personal Injury Protection (PIP) required in Utah?

Personal Injury Protection (PIP) is not specifically mandated as a standalone requirement in Utah, though related coverage may be required. Utah requires: 25/65 / 15 liability.

What does Personal Injury Protection (PIP) cover?

Covers medical expenses for you and passengers regardless of fault. Required in no-fault states. Typical limits are Varies by state and provider. This is a recommended coverage type.

What is the fault system in Utah and how does it affect Personal Injury Protection (PIP)?

Utah uses a no-fault insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of personal injury protection (pip) coverage.

How can I save on Personal Injury Protection (PIP) in Utah?

To save on personal injury protection (pip) in Utah: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in Utah is GEICO, while Allstate tends to be the most expensive.

Personal Injury Protection (PIP) in Other States

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine All States →

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