About $193 a month
Commercial auto in Utah
Insureon average for Utah small businesses that bought through it ($2,319 a year), 2026
Utah · state requirements
Commercial auto insurance in Utah
For Utah businesses running cars, pickups, vans and trucks: the state’s minimum limits, no-fault PIP, UM/UIM rules, UDOT truck requirements and what coverage costs.
- Independent brokerage: we compare several insurers
- Licensed agents review every application
- No cost and no obligation to buy
Get commercial auto quotes in Utah
What similar businesses pay
- Commercial auto in Utah
- About $193 a month
- Commercial auto, national
- About $245 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Utah costs
About $245 a month
Commercial auto, national
Insureon average across all its commercial auto customers, accessed November 2026
Insureon reports that Utah small businesses buying commercial auto through it pay an average of $193 a month, or $2,319 a year, below the $245 a month it reports across all its customers. Those averages mostly reflect cars, pickups and vans at modest limits. Two Utah rules add cost: minimum limits rose for policies issued or renewed from January 1, 2025, and UM and UIM default to your liability limits. A heavy truck that must carry $750,000 under UDOT rule R909-1-4 will cost far more than these averages.
What moves your price
- Where each vehicle is garaged, for example Salt Lake City versus St. George
- Gross vehicle weight: at 26,001 pounds an in-state truck falls under UDOT rules
- Your liability limit, which also sets default UM and UIM limits
- Each driver’s record and the number of drivers you list
- Whether you haul for pay, cross state lines or carry hazardous materials
- Vehicle values, deductibles and whether a lender requires physical damage
- Your claims history and any recent at-fault crashes
Utah
What’s different in Utah
The floor rose to 30/65/25 in 2025
Under Utah Code 31A-22-304, a policy issued or renewed on or after January 1, 2025 must carry at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage, or a $90,000 single limit. The old 25/65/15 floor no longer satisfies the law.
No-fault PIP pays first, but comp comes before it
Every Utah policy must include personal injury protection, with at least $3,000 per person for medical bills under Utah Code 31A-22-307. Section 31A-22-309 reduces PIP by any workers’ compensation benefits, so an employee hurt in a work vehicle is paid by your comp policy first. The policy on the vehicle in use is primary.
A $3,000 medical bill opens the door to a lawsuit
Utah’s no-fault rule bars claims for pain and suffering unless the injured person has more than $3,000 in medical expenses, a bone fracture, permanent disability or impairment, permanent disfigurement, dismemberment or death (Utah Code 31A-22-309). Past that line, your liability limits carry the claim.
UM and UIM match your limits unless you sign
Utah Code 31A-22-305 and 305.3 set uninsured and underinsured motorist limits equal to your liability limits unless a named insured signs the insurer’s acknowledgment form choosing less. Adding a vehicle to an existing commercial policy does not reopen that choice, and it stands until you ask in writing to change it.
In-state trucks carry a $750,000 floor
UDOT rule R909-1-4 requires every intrastate private motor carrier to carry at least $750,000 in liability. Under Utah Code 72-9-102, that reaches trucks of 26,001 pounds or more, vehicles built for more than 15 passengers and placarded hazmat loads, even if they never leave Utah. Hazmat carriers need $1,000,000 and an MCS-90.
Letting an uninsured vehicle run is a misdemeanor
Under Utah Code 41-12a-302, an owner who operates or permits someone to operate an uninsured vehicle commits a class C misdemeanor. The fine is at least $400, and at least $1,000 for a second offense within three years. Courts may waive up to $300 if the owner buys coverage before sentencing.
Coverage
Coverage Utah businesses need
Auto liability
Pays for injuries and damage your vehicles cause to others. The floor is 30/65/25, but contracts and the $750,000 truck rule usually call for more.
How commercial auto works →Personal injury protection
Required on every policy except motorcycles, trailers, semitrailers and off-highway vehicles: $3,000 in medical bills, lost income up to $250 a week for 52 weeks, $1,500 for funeral costs and a $3,000 death benefit.
How commercial auto works →Uninsured and underinsured motorist
Pays your drivers’ injuries when the at-fault driver has no insurance or too little. It comes at your liability limits unless you sign it down.
How commercial auto works →Physical damage
Collision and comprehensive for your own vehicles. Utah law does not require it, but lenders and lessors normally do.
How commercial auto works →Hired and non-owned auto
Covers your business when employees drive their own cars or rentals on company errands.
How commercial auto works →Workers’ compensation
Because Utah reduces PIP by workers’ comp benefits, comp is what pays first when an employee is hurt behind the wheel of a work vehicle.
How workers’ compensation works →Umbrella or excess
Adds limits above your auto liability when a contract asks for $1 million or more.
How umbrella / excess works →Rules
Utah requirements
Every vehicle driven on a Utah road needs liability, PIP and UM/UIM unless waived, set by Title 31A of the Utah Code. Heavier commercial vehicles also answer to UDOT, which adopts the federal motor carrier safety rules for intrastate carriers under rule R909-1-3.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every policy issued or renewed on or after January 1, 2025 | $30,000 per person, $65,000 per accident and $25,000 property damage, or a $90,000 combined single limit (Utah Code 31A-22-304). |
| Personal injury protection | All vehicles except motorcycles, trailers, semitrailers and off-highway vehicles | At least $3,000 per person in medical benefits plus wage, funeral and death benefits (Utah Code 31A-22-302 and 307). |
| UM and UIM | Every Utah auto liability policy | Limits equal your liability limits unless a named insured signs an acknowledgment form choosing less or rejecting it (Utah Code 31A-22-305 and 305.3). |
| Out-of-state vehicles | Nonresident vehicles in Utah more than 90 days in the past 365 | Must then carry Utah owner’s security; vehicles here 90 days or less follow their home state’s rules (Utah Code 41-12a-301). |
| Intrastate private carrier liability | In-state commercial vehicles of 26,001 lb or more, or built for more than 15 passengers | $750,000 minimum (UDOT rule R909-1-4; vehicle definition in Utah Code 72-9-102). |
| Hazardous materials | For-hire and private carriers of oil, hazmat or hazardous waste, interstate or intrastate | $1,000,000 minimum and an MCS-90 endorsement kept at the principal place of business (UDOT rule R909-1-4). |
| Interstate for-hire property | Trucks of 10,001 lb or more hauling across state lines for pay | $750,000 under 49 CFR 387.9, plus FMCSA operating authority with a $300 application fee and a BOC-3, per UDOT. |
| Proof and penalties | Owners and drivers | Paper or phone proof is accepted. An uninsured vehicle is a class C misdemeanor: at least $400, or $1,000 for a repeat within three years (Utah Code 41-12a-302). |
| USDOT number and lettering | Motor carriers running commercial vehicles | UDOT requires a USDOT number, updated every two years; Utah Code 72-9-105 requires the company name on both sides, legible from 50 feet. |
Compare commercial auto options in Utah.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Check that trailers and semitrailers are not charged for PIP: Utah Code 31A-22-302 does not require it on them.
- Ask for the premium disclosure on the UM/UIM acknowledgment form before deciding on limits; lowering them saves money but leaves your own people less protected.
- Check every driver’s motor vehicle record before hiring and each year; Insureon lists employee driving records as a main price factor.
- Raise physical damage deductibles on older vehicles, or drop collision on paid-off vehicles of low value.
- Keep coverage continuous: a conviction for an uninsured vehicle costs at least $400, and $1,000 for a second within three years.
- Compare quotes at every renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- USDOT number, if you have one, and whether you cross state lines
- Vehicle list with VINs, model years, gross vehicle weight ratings and garaging addresses
- Driver list with license numbers, dates of birth and years of experience
- What you haul or carry, including any hazardous materials or passengers
- Current declarations page and any signed UM/UIM acknowledgment forms
- Loss runs from your current and prior insurers
- Lienholders or lessors on financed vehicles
- Limits your customers or general contractors require on certificates
Common questions
Commercial auto insurance in Utah: questions
What are Utah’s minimum auto insurance limits for a business vehicle?
For policies issued or renewed on or after January 1, 2025, Utah Code 31A-22-304 requires $30,000 per person, $65,000 per accident and $25,000 for property damage, or a $90,000 single limit. The same floor applies to business and personal vehicles.
Does PIP cover my employees hurt in a company vehicle?
PIP benefits are reduced by any workers’ compensation benefits the person receives, so your comp policy generally pays first. PIP may cover what comp does not, subject to the policy terms.
Do I need $750,000 for a truck that never leaves Utah?
If you run it as a private carrier and it is an intrastate commercial vehicle, such as a truck of 26,001 pounds or more, UDOT rule R909-1-4 requires at least $750,000. Hazardous materials carriers need $1,000,000 and an MCS-90.
Can I lower my UM and UIM limits to save money?
Yes, but only by signing the insurer’s acknowledgment form, which must disclose what full limits would cost. Your choice stays in place until you ask in writing to change it, even when you add vehicles to a commercial policy.
Do my employees need to carry an insurance card in a company vehicle?
Utah accepts proof on paper or a phone. The failure-to-show offense does not apply to an employee driving an employer-owned vehicle with permission, but the business must still keep the vehicle insured (Utah Code 41-12a-302).
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (13)
- Utah Code 31A-22-304, motor vehicle liability minimum limits (le.utah.gov, effective May 3, 2023)
- Justia: Utah Code 31A-22-304 (2025)
- Utah Code Title 31A, Chapter 22, Part 3: motor vehicle insurance (le.utah.gov, 2026)
- Utah Code 31A-22-305.3, underinsured motorist coverage (le.utah.gov, 2025)
- Utah Code Title 41, Chapter 12a: financial responsibility of motor vehicle owners and operators (le.utah.gov)
- Utah Code Title 72, Chapter 9: Motor Carrier Safety Act (le.utah.gov)
- Utah S.B. 242, Transportation Amendments, 2026 General Session (enrolled)
- Utah Administrative Code R909-1, motor carrier safety and insurance (last changed June 23, 2026)
- UDOT: Motor carrier insurance requirements and MCS-90
- UDOT: USDOT numbers and registering with the FMCSA
- UDOT: Motor carrier operating authority
- Insureon: commercial auto insurance in Utah (2026)
- Insureon: cheap commercial auto insurance
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.