To legally operate a motor vehicle in the state of Utah all drivers must carry at least a minimum amount of liability auto insurance and Personal Injury Protection (PIP). The minimum amount of liability coverage drivers are allowed to carry is commonly referred to 25/65/15 coverage. This means that drivers must carry at least $25,000 in bodily injury liability coverage per person injured in an accident and up to $65,000 of bodily injury liability if multiple people are injured in a single accident.

Utah follows a no-fault system. Under this type of system all drivers must carry a minimum amount of Personal Injury Protection. The minimum amount of PIP coverage you need to have in order to comply with Utah car insurance requirements is $3000. This coverage is in place to pay for any "reasonable and necessary" medical expenses for you and your passengers as a result of injuries sustained in an accident regardless of who is at fault.

Liability coverage and PIP coverage are the only types you need in order to comply with Utah car insurance requirements. However, many drivers elect to either buy additional coverage or purchase liability and PIP coverage with higher limits. The reason someone would choose to purchase coverage with higher limits is because it is easy for medical bills and property damage to exceed the amount covered in their policy if they simply go with the minimum amount allowed by law. If you cause an accident and the damages exceed the limits of your liability coverage you would be responsible for paying the difference. This would create an incredible financial burden on most people so going with higher limits would give you added protection.

A lot of drivers also choose to carry uninsured/underinsured motorists coverage. This type of coverage would pay for medical expenses sustained by you or your passengers if another driver is at fault for causing an accident and they either have no insurance or their limits are not enough to cover the medical expenses.

Drivers of newer and more expensive vehicles will often purchase collision and comprehensive coverage in order to pay for repairs to their vehicle even if they are at fault in an accident and also to cover things like vandalism, theft, natural disasters etc.

There are many options when it comes to auto insurance and each driver will have to take their own needs into consideration to determine which type of coverage is best for them. You can discuss your various options with an insurance agent but be sure to shop around in order to get the best price for the coverage you need. With so many auto insurance providers competing for your business prices can vary substantially from one company to another. Taking a little time to compare the rates of different companies could save you a lot of money.