Liability Car Insurance in Utah

Liability insurance is the minimum legal requirement in Utah — it covers damage you cause to other people and their property. The average cost is $43/month with 25/65/15 limits. It does not cover your own vehicle.

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What Liability Insurance Covers in Utah

$25K

Bodily Injury Per Person

$65K

Bodily Injury Per Accident

$15K

Property Damage Limit

$43/mo

Average Monthly Cost

Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Utah requires minimum limits of 25/65/15, but most insurance experts recommend at least 50/100/50 — especially with 6% of Utah drivers being uninsured.

Liability-Only vs. Full Coverage in Utah

Coverage	Monthly Cost	Annual Cost	What's Covered
Liability Only (25/65/15)	$43/mo	$520	Other people's injuries & property
Full Coverage	$153/mo	$1,840	Others + your own vehicle

Switching from full coverage to liability-only saves $1320/year in Utah — but your own car has zero protection.

When Liability-Only Makes Sense

Your car is worth less than $5,000 — collision/comprehensive premiums may exceed the car's value
You have no car loan or lease — lenders require full coverage
You have an emergency fund — you can afford to replace or repair your car out of pocket
You rarely drive — lower mileage reduces your risk exposure

Cheapest Liability Insurance in Utah

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$612	$102/mo
GEICO	$696	$116/mo
Bear River Mutual	$738	$123/mo
Progressive	$786	$131/mo
State Farm	$858	$143/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Utah Auto Insurance Guides

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Liability Insurance in Utah — FAQ

Who has the cheapest car insurance in Utah?

USAA offers the cheapest full coverage at $102/month in Utah. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is liability insurance in Utah?

Full coverage in Utah averages $153/month, liability-only averages $43/month. The cheapest option is USAA at $102/month. Compare multiple quotes for your best rate.

Can I get a free liability insurance quote in Utah?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Utah to find your lowest rate in under 2 minutes.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Utah Insurance Department — official state insurance regulator for Utah.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Utah DMV — Utah vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.