Utah is set to implement a change to its auto insurance requirements starting Jan. 1, 2025, increasing the minimum liability coverage limits for all private passenger, commercial and recreational vehicles. This law, established by House Bill 113 (2023), mandates higher financial protections for drivers and businesses alike.
Under the new regulations, the minimum coverage limits will rise to $30,000 for bodily injury liability per person, $65,000 for bodily injury liability per accident, and $25,000 for property damage liability -- an increase from the current minimums, which were considered insufficient to cover many of today’s accident costs. These limits will automatically apply to all insurance renewals on or after Jan. 1.
The change is intended to provide greater financial security to all parties involved in accidents.
The new law will also affect uninsured and underinsured motorist coverages. Though the increase aims to offer better coverage, policyholders may notice a rise in premiums. The state advises customers to consult their insurance agents to address any concerns or questions ahead of the renewal period.
No action is required on the part of policyholders, as the changes will be automatically reflected in policy renewals beginning in 2025. However, the Utah Department of Insurance recommends that individuals review their policies and ensure they understand the implications of the new limits.
