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Auto Insurance in Utah

The State of Utah currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment.

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.

Utah Minimum Liability Coverage

Liability coverage is required by law in the State of Utah. The minimum liability amounts for the State of Utah are as follows:

  • $25,000 bodily injury per person.
  • $65,000 total bodily injury per accident.
  • $15,000 total property damage per accident.

Remember that these are only the minimum requirements set by the state. Experts always advise that drivers get more than the state-mandated minimums, particularly if you have assets you need to protect, since these limits have not kept pace with the skyrocketing costs of car repairs and medical care. Also, getting liability coverage alone will not cover you in case of damage to your own car, so most drivers will want to add collision and comprehensive coverage to their policies.

Uninsured/Underinsured Motorist Coverage

Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.

The State of Utah does not currently require this coverage.

No-Fault Insurance

Utah is a no-fault state, and no-fault insurance is required (see PIP below).

Personal Injury Protection (PIP)

PIP is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damage.

As a no-fault state, the State of Utah current requires drivers to carry PIP insurance with a minimum coverage limit of $3,000.

Utah SR-22 Requirements

SR-22 is a document that is required to be filed with a state's DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance.

Utah currently requires an SR-22 filing to reinstate a driver's license.

Utah DUI Laws

For the first DUI offense in the State of Utah, you will face the following maximum penalties:

  • Minimum 2 days imprisonment or
  • Minimum 2 days community service or
  • Home confinement
  • Minimum $700 fine
  • 120 day license suspension
  • Possible home confinement
  • Possible alcohol/drug screening
  • Possible alcohol/drug assessment
  • Possible substance abuse education
  • Possible substance abuse treatment

Additional Information on Utah Insurance

For additional information, you can contact the Utah Insurance Department at (801) 538-3035 or go to their website at

Read more about the Most Popular Auto Insurance Carriers in UT.