Liability

• All Utah drivers must have a minimum of $25,000 in body-injury liability for one person injured in an accident; $65,000 for the body-injury liability coverage for one accident; and $15,000 in property damage liability per accident, according to the Rocky Mountain Insurance Information Association. These minimum liability amounts are significantly less than the insurance industry recommendations, which are $100,000 per person and $300,000 per accident. Uninsured or underinsured coverage is not required because Utah is a no-fault state; your regular liability and personal-injury coverage would pay for accidents with these motorists.
  
  

Personal-Injury Protection

• Because Utah is a no-fault state, drivers are required to carry at least $3,000 in personal-injury protection coverage. This pays for your medical costs and those of your passengers no matter who caused the accident.
  
  

Collision and Comprehensive

• Neither collision nor comprehensive insurance is required for Utah drivers, although some lenders do require one or both to protect their investment. Collision insurance pays for the damages to your car in an accident you caused or when you hit an object or have a rollover accident. Comprehensive insurance protects your car against damage from weather, theft, windshield cracks and chips, and fire.