Utah's 30/65/25 Auto Minimums Still Aren't Enough, Here's Why

If you've ever bought auto insurance in Utah, you've probably been quoted the state minimum: 30/65/25. That's $30,000 of bodily injury liability per person, $65,000 per accident, and $25,000 of property damage liability, plus the mandatory $3,000 of Personal Injury Protection (PIP). It is the cheapest legal way to drive in Utah. It is also, for almost everyone on I-15, dangerously inadequate.

What those numbers actually buy you

Picture a routine afternoon on the stretch of I-15 between Washington and St. George. Brake lights, a missed reaction, and your vehicle rear-ends a newer pickup with two people inside. Nobody is killed, but both occupants are taken to Dixie Regional with neck and back injuries. The truck is a total loss.

Here's how a 30/65/25 policy responds:

• Property damage ($25,000): A current-model half-ton truck easily totals at $45,000 to $60,000. You are personally on the hook for the difference.
• Bodily injury ($30,000 / $65,000): One ER visit, imaging, and a short course of physical therapy can run $20,000 per person, before any attorney gets involved. If one passenger needs surgery, the per-person limit evaporates instantly.

Anything above those caps comes out of your assets, wages, savings, equity in your Bloomington Hills house. Utah is not a no-fault state in the sense people assume; PIP covers your own minor medical bills, not the other driver's.

Limits worth discussing with a licensed agent

A common reference point many Southern Utah households talk through with their agent is 100/300/100 with $5,000 to $10,000 of PIP and matching uninsured/underinsured motorist coverage. Homeowners and households with meaningful assets often layer a personal umbrella policy ($1M+) on top, these typically run $200 to $350 a year because they sit above your auto and home limits.

Any specific figures shown above are illustrative starting points for conversation, not advice or a guarantee of coverage or protection. No liability limit, including the examples above, can guarantee you are fully protected in every accident; serious claims can exceed any limit. Every household's situation, income, assets, risk tolerance, dependents, and state of residence, is different. Please review your actual coverage needs with a licensed agent before making any changes to your policy.

The cost difference between state minimums and higher limits is often smaller than people expect, frequently $10 to $25 per month, but the right number for your household is a conversation, not a one-size answer.

Uninsured motorists are the other half of the story

Utah's uninsured driver rate hovers around 6%, and it climbs near the Mesquite and Arizona borders where out-of-state plates are common. If an uninsured driver hurts you, your only recourse is your own uninsured/underinsured motorist (UM/UIM) coverage. We always quote UM/UIM at the same limits as your liability. There's no good reason to be better-protected against your own mistakes than someone else's.

What we do at renewal

Every OnPoint client gets a free coverage review at renewal. We re-shop the market across our entire carrier panel, Progressive, Safeco, Nationwide, Travelers, Foremost and others, and we flag any policy still sitting on state minimums. If you're not sure what your current limits are, pull out your declarations page or request a free review. It takes five minutes and it's the single highest-leverage thing you can do for your financial safety this year.

Related guides: cheap vs. full coverage in Utah, St. George car insurance costs in 2026, and adding a teen driver. Local pages: Utah auto insurance, St. George car insurance, and Washington City car insurance.