Aircraft Insurance in Utah
No State MandateState requirements, lender rules, and airport policies for Utah aircraft owners.
State Liability Insurance
Not Required
State Hull Insurance
Not Required
Lenders always require hull coverage
Federal Requirements (FAA)
The FAA does not require liability or hull insurance for privately owned general aviation aircraft. Only commercial air carriers must carry insurance under 14 CFR Part 205 ($300,000 per passenger minimum). This means neither federal nor Utah state law mandates insurance for private GA operations — but most pilots carry it anyway.
What You Should Know
No state law in Utah requires aircraft insurance for private operations. The FAA does not mandate insurance for GA aircraft either. However, liability coverage is strongly recommended and is typically required by lenders and airports. An estimated 10-20% of GA aircraft fly uninsured (GAO-15-740).
Lender Requirements
Most aircraft lenders require hull insurance with the lender named as loss payee, plus liability coverage of at least $1M. Typical lender requirements include deductible caps of 2-4% of insured value and 30-day cancellation notice.
Airport & FBO Requirements
Many airports and FBOs require proof of liability insurance ($1M minimum) for based aircraft and transient operations. Certificate of insurance naming the airport/FBO as additional insured is common.
Recommended Coverage
Regardless of state law, most aviation professionals recommend at minimum:
- ✓$1M combined single limit liability with $100K per-passenger sublimit — the most common GA coverage level
- ✓Hull coverage equal to current market value (stated value, not actual cash value)
- ✓In-motion and not-in-motion coverage (ground and flight)
Source: AOPA Insurance Services. An estimated 10-20% of GA aircraft fly uninsured (GAO Report GAO-15-740, 2015).