Utah Code » Title 31A, Chapter 22 — Contracts in Specific Lines; part 31A-22-3 — Motor Vehicle Insurance
Utah Code

Utah Code § 31A-22-304 (2026)

Motor vehicle liability policy minimum limits

✓ current as of May 2026
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A policy issued or renewed on or before December 31, 2024, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following:
$25,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident;
subject to the limit for one person in Subsection (1)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and
in the amount of $15,000 because of liability for injury to, or destruction of, property of others arising out of the use of a motor vehicle in any one accident; or
$80,000 in any one accident whether arising from bodily injury to or the death of others, or from destruction of, or damage to, the property of others.
Subject to Subsection (3), a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following:
$30,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident;
subject to the limit for one person in Subsection (2)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and
in the amount of $25,000 because of liability for injury to, or destruction of, property of others arising out of the use of a motor vehicle in any one accident; or
$90,000 in any one accident whether arising from bodily injury to or the death of others, or from destruction of, or damage to, the property of others.
Notwithstanding Subsection (2), for a policy for a self-insured, private rental fleet, the policy containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following:
$25,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident;
subject to the limit for one person in Subsection (3)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and
in the amount of $15,000 because of liability for injury to, or destruction of, property of others arising out of the use of a motor vehicle in any one accident; or
$80,000 in any one accident whether arising from bodily injury to or the death of others, or from destruction of, or damage to, the property of others.
Notes of Decisions
Cited in 14 cases (1 in the last 5 years), 1990–2021 · leading case: Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001).
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Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). · cites it 12× “Utah Code Ann. § 31A-22-304 (1994). While this section remains unaltered in the current version of the Utah Code, we recite the code provisions in effect at the time of the issuance of the policies and the accident throughout this opinion.”
Cullum v. Farmers Ins. Exch., 857 P.2d 922 (Utah 1993). · cites it 22× “Utah Code Ann. § 31A-22-304 (1986). [3] Plaintiffs filed this action for declaratory relief, arguing that the limitation is void and unenforceable and that defendant is obligated to provide $100,000 in coverage for the accident.”
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007). · cites it 37× “" [9] Section 31A-22-304, in turn, mandates minimum limits for a motor vehicle policy: Policies containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (1)(a) $25,000 because of liability for bodily injury to or…”
Wagner v. Farmers Ins. Exch., 786 P.2d 763 (Utah Ct. App. 1990). · cites it 14× “§ 41 -12a-301 (1986), and in the Insurance Code, Utah Code Ann. § 31A-22-304 (1986), require that "[p]olicies containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below .”
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). · cites it 8× “As previously noted, the self-insured owner pays benefits “as would an insurer” who issued a policy under section 31A-22-302, which, in the case of liability, had to be at least $40,000 under section 31A-22-304. The trial court simply confused the capitalization requirement for…”
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). · cites it 3× “Section 31A-22-304 sets the minimum policy limits for liability policies.”
Lancer Ins. Co. v. Lake Shore Motor Coach Lines, Inc., 2017 UT 8 (Utah 2017). · cites it 2× “See Utah Code § 31A-22-304. The driver’s liability is expressly “limited to the insurance coverage.”
Tindley v. Salt Lake City Sch. Dist., 2005 UT 30 (Utah 2005). · cites it 2× “See Utah Code Ann. § 31A-22-304(l) (2003) (establishing motor vehicle liability policy minimum limits of $25,000 for "bodily injury to or death of one person” and $50,000 for "bodily injury to or death of two or more persons .”
Farmers Ins. Exch. v. Versaw, 2004 UT 73 (Utah 2004). · cites it 2× “" Assuming the insured is still on the trail at this point, he or she would then have to find section 31A-22-304, which sets forth the limits.”
State Farm Mut. Auto. Ins. Co. v. Nw. Nat'l Ins. Co., 912 P.2d 983 (Utah 1996). · cites it 2× “§ 31A-22-303(2)(c) provides: A policy containing motor vehicle liability coverage under Subsection 31A-22-302(l)(a) may: (c) if the policy is issued to a person other than a motor vehicle business, limit the coverage afforded to a motor vehicle business or its officers, agents,…”
Dairyland Ins. Co. v. State Farm Mut. Auto. Ins. Co., 882 P.2d 1143 (Utah 1994). · cites it 2× “provided in Subsection (7), insure any person included in Subsection 1(c) against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of these motor vehicles within the United States and Canada, subject to limits exclusive of…”
State Farm Mut. Auto. Ins. Co. v. DeHerrera, 2006 UT App 388 (Utah Ct. App. 2006). · cites it 2× “as provided in Subsection (7), insure any person included in Subsection against *1176 loss from liability imposed by law for damages arising out of the ownership, maintenance, or use of these motor vehicles within the United States and Canada, subject to limits exclusive of…”
Show all 14 citing cases →
— Utah Code § 31A-22-304(1) — 1 case
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007). “" [9] Section 31A-22-304, in turn, mandates minimum limits for a motor vehicle policy: Policies containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (1)(a) $25,000 because of liability for bodily injury to or…”
— Utah Code § 31A-22-304(1)(a) — 3 cases
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). “Section 31A-22-304 sets the minimum policy limits for liability policies.”
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007). “" [9] Section 31A-22-304, in turn, mandates minimum limits for a motor vehicle policy: Policies containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (1)(a) $25,000 because of liability for bodily injury to or…”
Tim Johnson, Michael Johnson, Tr. for the Next of Kin of Karen Johnson v. Ironshore Indem., Inc. (Minn. Ct. App. 2016).
— Utah Code § 31A-22-304(1)(b) — 1 case
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007). “" [9] Section 31A-22-304, in turn, mandates minimum limits for a motor vehicle policy: Policies containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (1)(a) $25,000 because of liability for bodily injury to or…”
— Utah Code § 31A-22-304(2) — 1 case
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). “As previously noted, the self-insured owner pays benefits “as would an insurer” who issued a policy under section 31A-22-302, which, in the case of liability, had to be at least $40,000 under section 31A-22-304. The trial court simply confused the capitalization requirement for…”
— Utah Code § 31A-22-304(l) — 1 case
Tindley v. Salt Lake City Sch. Dist., 2005 UT 30 (Utah 2005). “See Utah Code Ann. § 31A-22-304(l) (2003) (establishing motor vehicle liability policy minimum limits of $25,000 for "bodily injury to or death of one person” and $50,000 for "bodily injury to or death of two or more persons .”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.