2026 Utah Settlement Average
The average car accident settlement in Utah in 2026 is $48,000. This is 58% higher than the national average of $30,416. Utah's growing population, increasing traffic congestion along the Wasatch Front, and reasonable insurance requirements contribute to these settlement values.
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Utah Personal Injury Laws (2026)
Utah has specific laws that impact car accident settlements:
Modified Comparative Fault (50% Bar)
Utah uses a modified comparative fault system. You can recover damages only if you're less than 50% at fault. If you're 50% or more at fault, you recover nothing. Your award is reduced by your percentage of fault.
No Damage Caps (Auto Cases)
Utah has no statutory caps on economic or non-economic damages in car accident cases. There's no legal limit on pain and suffering compensation for auto accidents.
4-Year Statute of Limitations
You have 4 years from the date of injury to file a personal injury lawsuit in Utah (Utah Code § 78B-2-307). This is longer than many states, giving you more time to assess injuries.
No-Fault Insurance State
Utah is a no-fault state, meaning your own PIP (Personal Injury Protection) insurance pays first regardless of who caused the accident. You can step outside no-fault and sue if injuries meet the threshold ($3,000 in medical bills or permanent injury).
Utah Minimum Insurance
2026 Utah Settlement by City
Settlement values vary within Utah based on location along the Wasatch Front and local factors:
| City/Region | 2026 Average | Notes |
|---|---|---|
| Salt Lake City | $55,000 | Highest in UT |
| Park City | $52,000 | High-income area |
| Provo/Orem | $46,000 | Utah County |
| Ogden | $44,000 | Weber County |
| West Valley City | $43,000 | Salt Lake suburb |
| St. George | $42,000 | Southern Utah |
| Rural Utah | $38,000 | More conservative |
I-15 Corridor = High Accident Zone
2026 Utah Settlement by Injury Type
Here's what to expect for different injury types in Utah in 2026:
| Injury Type | UT 2026 Avg | National Avg |
|---|---|---|
| Spinal Cord Injury | $1,450,000 | $1,200,000 |
| Traumatic Brain Injury | $1,025,000 | $850,000 |
| Internal Injuries | $310,000 | $250,000 |
| Broken Bones | $155,000 | $125,000 |
| Herniated Disc | $92,000 | $75,000 |
| Whiplash | $24,000 | $18,950 |
| Soft Tissue | $19,000 | $15,000 |
Utah Premium: ~25% Above National
Factors Unique to Utah Cases
Several factors make Utah car accident claims unique:
Utah is one of the fastest-growing states, increasing traffic and accident rates.
Snow and ice along the Wasatch Front lead to seasonal spikes in accidents.
Utah's 25/65/15 minimums are higher than many states, increasing available coverage.
Utah juries tend to be more conservative than coastal states, which can limit verdicts.
No-Fault Threshold
Calculate Your Utah Settlement
To estimate your Utah settlement value, you need a calculator that accounts for Utah's specific laws and no-fault system.
Utah Multiplier Method (2026)
UT Settlement = (Medical Bills + Lost Wages) × UT Multiplier (1.5 - 4.0x)
Utah multipliers are moderate compared to coastal states due to more conservative juries. Severe injuries typically use 3-4x multipliers; minor injuries use 1.5-2x.
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Our AI calculator uses Utah-specific 2026 data, including your city, injury type, and case details. Get your estimated range in minutes — completely free.
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