Most U.S. states have laws in place requiring some form of insurance coverage, but the requirements and penalties for driving without insurance differ depending on where you live. Utah enforces several penalties for driving without insurance, including fines, license suspension and more.


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Minimum insurance required in Utah

Per state law, the minimum required coverage in Utah is:

  • $25,000 bodily injury liability per person: This coverage pays for the injuries you cause to the driver and passengers in the other vehicle(s) or to anyone outside of a vehicle that you injure.
  • $65,000 bodily injury liability per accident: This is the maximum amount the insurance company will pay for injuries to others per each accident.
  • $15,000 property damage liability: This is the amount the insurance company will pay for any property damage that you cause. This can apply to the other vehicle(s), personal property in the other vehicle(s) that you damage or damage to property outside of a vehicle, like a fence.

Because Utah is a no-fault state, drivers must also carry personal injury protection (PIP) coverage.

Although there are minimum requirements in place, Utah drivers can purchase more insurance. They can increase their liability limits and add more coverages as well. Many insurance professionals recommend higher liability limits, since they provide more financial protection in the event that you cause an accident.

Additionally, minimum coverage does not provide you with any protection for your own vehicle. To get that, you will need to purchase comprehensive and collision coverage. If your vehicle is financed, your lender will likely require you to have these types of coverage.

Penalties for driving without insurance in Utah

Utah drivers are legally required to carry auto insurance. Police officers routinely ask for proof of insurance if you are pulled over or in an accident. If you are an uninsured driver or cannot provide evidence of your insurance coverage, you may face several penalties.

Driving without insurance in Utah is classified as a class B misdemeanor per the Utah Department of Motor Vehicles and can result in fines ranging from $400 to $1,000 if you are convicted. Your license may also be suspended. In order to reinstate it, you will need to have an SR-22 form filed. This is a form that an insurance company files with the DMV to prove that you are maintaining insurance, so you will have to purchase an insurance policy before reinstating your license.

Getting into an accident without insurance

Getting into an accident is never a pleasant experience, but if you are uninsured, it adds another layer of complication. Drivers with insurance are able to file claims with their insurance company, which may help to pay for the damages caused.

For drivers without insurance, there can be major repercussions. In Utah, you can be subject to all of the penalties mentioned above. Your vehicle may be impounded and you might even face the prospect of jail time, depending on the severity of your accident. In addition, you are responsible for the costs of any injuries or damage you caused. Not having insurance could mean you are responsible for those damages out of pocket, and can result in lawsuits and even the seizure of your assets.

Even if you are not at fault in an accident, if you cannot show proof of insurance it could result in your license being suspended and you needing an SR-22 form to get it reinstated, which could make your insurance more expensive than it would be otherwise.

Frequently asked questions

    • Not being able to provide valid proof of active insurance can result in having to pay fines or having your license suspended. Providing false insurance could be considered insurance fraud and may be punishable by law.
    • On average, drivers in the U.S. pay $622 per year for minimum coverage car insurance and $2,014 for full coverage. Drivers in Utah pay $539 a year for minimum coverage and $1,510 annually for full coverage. Minimum coverage in Utah is slightly lower than the national average, but full coverage, on average, is considerably less expensive.
    • You have to carry at least Utah’s minimum levels of coverage to drive legally in the state. If you have a loan or lease on your vehicle, you will also likely have to carry collision and comprehensive coverage. In addition, there are several optional coverage types when it comes to auto insurance. You may be able to add coverage like car rental reimbursement, roadside assistance or gap insurance. Every company offers a different selection of coverage; talking with a representative from your company may help you decide what to purchase.
    • The best car insurance in Utah depends on the driver. Factors like how much someone drives, where they live and if they have marks on their driving record are considered when pricing policies. Experts recommend asking for quotes from several insurers to get an idea of the best price for you and comparing your options to help make the best choice.
    • The average cost of car insurance in Utah is lower than the national average, but you can still look for ways to save more money. Having a clean driving record is one way to get the lowest rates, and some insurance companies offer programs that track your driving in exchange for a discount if you perform well. You can also inquire about discount opportunities you may qualify for by contacting an agent.