What Commercial Auto Insurance Requirements Apply in Utah?

For policies issued or renewed on or after January 1, 2025, Utah’s liability floor is $30,000/$65,000/$25,000, except a policy for a self-insured private rental fleet retains the earlier statutory floor. Since March 25, 2025, resident owners must maintain security while a vehicle is registered as well as when it is operated; tow carriers have separate UDOT limits.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Utah Commercial Auto Insurance Requirements

Requirement	Details
Liability limits for policies issued or renewed on/after 2025-01-01	$30,000 / $65,000 bodily injury; $25,000 property damage ¹
UDOT tow-carrier liability	$750,000 for police-generated tows only; $1 million for all tow types ³

What Should You Watch for With Commercial Auto Insurance in Utah?

Check the Policy’s Issue or Renewal Date
Utah sets $30,000/$65,000/$25,000 for policies issued or renewed on or after January 1, 2025. A policy for a self-insured private rental fleet is expressly excepted and retains $25,000/$65,000/$15,000 or an $80,000 combined limit; confirm whether the fleet falls within that narrow statutory category. ¹
Registration Now Triggers Continuous Security
Since March 25, 2025, resident owners must maintain security while a vehicle is registered, as well as when it is operated on roads. The Insurance Department says comprehensive-only policies no longer satisfy that obligation and registered seasonal vehicles must keep security for the full registration period; coordinate cancellation with registration status and replacement proof. ^2,⁴
Tow Limits Depend on the Type of Move
UDOT requires $750,000 for carriers performing police-generated tows only and $1 million if they perform all types of tows; the carrier must also keep an MCS-90 at its principal business. Confirm the operation and endorsement before accepting tow assignments. ³

Which Commercial Auto Insurance Providers Have Utah License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Utah. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁵
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁸
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Utah?

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Utah

Reported tax rate. 4.25% of gross premium including policy fees, plus 0.18% stamping fee ^8,^9,^10,^11,¹²

For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.

Surplus Line Association of Utah

What Should You Ask Before Buying Commercial Auto Insurance in Utah?

Were our Utah fleet policies issued or renewed on or after January 1, 2025, and do they meet the current limits?
If a registered unit is parked or laid up, what security remains in force and what steps are required before canceling or reinstating its policy?
Does our UDOT tow certification cover only police-generated tows, or every tow type we perform, and is the MCS-90 on file?

Commercial Auto Insurance in Utah: Frequently Asked Questions

What are Utah’s current auto liability minimums?

For policies issued or renewed on or after January 1, 2025, Utah’s floor is $30,000/$65,000/$25,000. A policy for a self-insured private rental fleet retains the earlier $25,000/$65,000/$15,000 or $80,000 combined limit. ¹

How much insurance does a Utah tow carrier need?

UDOT lists $750,000 liability for police-generated tows only and $1 million for carriers performing all types of tows. It also requires the carrier to maintain an MCS-90 at its principal place of business. ³

Sources for Commercial Auto Insurance in Utah

1
H.B. 113 Enrolled Copy, Motor Vehicle Insurance Revisions. Utah Legislature; Enrolled act amending UCA §31A-22-304(2): $30,000/$65,000/$25,000 for policies issued/renewed on/after 2025-01-01; separate self-insured private rental fleet exception retains former limits; signed 2023-03-13, effective 2023-05-03; accessed 2026-09-28. Accessed 2026-09-28.
2
S.B. 52, Vehicle Registration Modifications. Utah Legislature; Amends UCA §41-12a-301(2)(a) so resident owner maintains security while vehicle is operated or registered; effective 2025-05-07; current effect explained in Utah Insurance Department Bulletin 2025-8; accessed 2026-09-28. Accessed 2026-09-28.
3
Tow Truck Certification. Utah Department of Transportation; Tow carrier certification: $750,000 police-generated-only; $1,000,000 all tow types; MCS-90 kept at principal business; current page accessed 2026-09-28. Accessed 2026-09-28.
4
Insurance Department Bulletin 2025-8, Change to Utah Code §41-12a-301. Utah Insurance Department; Issued 2025-09-08; SB 52 effective 2025-03-25 adds registration trigger for resident owners; for registered vehicles comprehensive-only does not satisfy security and seasonal registered vehicles keep security for entire registration; accessed 2026-09-28. Accessed 2026-09-28.
5
utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
6
Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
7
Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
8
Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
9
Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
10
Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
11
Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
12
Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
13
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
14
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
15
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
16
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
17
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
18
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
19
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Utah?

What Is Commercial Auto Insurance?

Utah Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Utah?

Check the Policy’s Issue or Renewal Date

Registration Now Triggers Continuous Security

Tow Limits Depend on the Type of Move

Which Commercial Auto Insurance Providers Have Utah License Records?

Corgi

TechInsurance