Utah Auto Insurance Requirements

Minimum coverage limits required by Utah law--
Bodily Injury: $25,000 Per Person / $50,000 Per Accident / Property Damage: $15,000 Per Accident
Uninsured Motorist Bodily Injury: $25,000 Per Person / $50,000 Per Accident
Underinsured Motorist Bodily Injury: $10,000 Per Person / $20,000 Per Accident
Personal Injury Protection: $3,000

No-Fault insurance must be maintained on all passenger cars and trucks throughout the vehicle’s registration period if:

    * The owner/operator is a resident;
    * The owner/operator is a non-resident who operates a motor vehicle that has been physically present in Utah for 90 days during the preceding 365 days. Under such circumstances, a non-resident owner must maintain no-fault insurance while the vehicle remains in the state; and,
    * All motor vehicles, (off-highway vehicles excepted) must maintain owner/operator security (liability coverage) during the registration period.

Insurance Verification
The law requires motorists to carry proof of Utah vehicle insurance and present it to any law enforcement officer upon request. In addition, for several years, Utah has compared its motor vehicle registration file with a database of insurance policies written to Utah residents. When the computer program discovers a Utah-registered vehicle does not have a corresponding insurance policy, a letter is sent to the vehicle's registered owner, requiring the owner to provide proof of insurance.

Penalties for failing to insure a vehicle
If the owner of a motor vehicle fails to provide satisfactory proof of insurance after receipt of the letter, that information will be provided to the DMV and state and local law enforcement.

If a person is convicted in a court or found through a Department of Public Safety (DPS) administrative hearing to have been operating a motor vehicle without insurance, the DMV may suspend the uninsured vehicle's registration.

Failure to provide insurance or operator's security is a Class B misdemeanor, for which the fine may not be less than $400 for a first offense; and $1,000 for a second and subsequent offense within three years of a previous conviction or bail forfeiture.

If a person is convicted for failure to insure a vehicle, the Utah Department of Public Safety (DPS) is required to suspend the person's driver license. DPS may not renew or issue a driver license to the person until the person gives the agency proof of owner's or operator's security and pays a reinstatement fee. Upon receipt of such proof, DPS also will notify DMV.