Auto Insurance for Utah Drivers 75 and Older
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
65
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Utah operates as a tort state with mandatory financial responsibility requirements enforced by the Utah Department of Motor Vehicles. For drivers 75 and older, Utah does not impose additional coverage requirements based solely on age, but carriers independently evaluate renewal eligibility using age-bracket triggers that vary significantly between companies.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Utah
$174–$176/mo
Typical monthly rate in Utah, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Salt Lake City, Provo, and West Valley City show the highest average rates due to traffic density, uninsured motorist frequency, and higher medical costs in urban Utah counties.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
Required by state law
Utah Code 31A-19a-211 (55+, appropriate reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
At what age do Utah car insurance companies non-renew policies?
Most major carriers in Utah do not have a fixed non-renewal age, but rate increases accelerate sharply after age 80, and some carriers require completion of a state-approved defensive driving course as a condition of renewal after age 82. Non-renewal is typically triggered by a combination of age and claims activity—two at-fault accidents within three years or one serious violation after age 78 often results in non-renewal at policy expiration. Utah law allows carriers to non-renew for any reason at policy expiration with 45 days' written notice.
Does Utah require a driving test for seniors to renew a license?
Utah does not require a road test for license renewal based solely on age. Drivers 65 and older must renew in person at a Utah Driver License Division office every five years and pass a vision test, but no written or driving exam is mandated unless the examiner observes a functional impairment during the transaction. If a physician, family member, or law enforcement officer files a request for re-examination with the Utah DMV, a road test can be required at any age.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Utah's 25/50/15 minimums have not been updated since 1974 and provide insufficient protection for drivers with retirement assets.
Comprehensive Coverage
Pays for damage to your vehicle from theft, weather, vandalism, and animal collisions. Covers windshield replacement without deductible in Utah.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Must be offered at the same limits as your liability policy in Utah.
Full Coverage
Combines liability, comprehensive, and collision coverage with uninsured motorist protection. Provides maximum financial protection for both your vehicle and legal exposure.