Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. Insurance Requirements for Car Registration in Utah

Insurance Requirements for Car Registration in Utah

Insurance Requirements for Car Registration in Utah

All drivers who are residents of Utah, or who have been in the state of Utah for at least 90 days are required to carry liability insurance or “financial responsibility,” through a Utah insurance provider, in order to cover the costs associated with a car accident.

The minimum financial responsibility requirements for Utah drivers are as follow:

  • A minimum of $3,000 per person on your policy for personal injury protection. This insurance is also called “no-fault car insurance,” and pays your medical bills after an accident regardless of who was at fault.

  • A minimum of $25,000 per person, for bodily injury or death. While this typically means you will need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers), Utah requires that the minimum total for bodily injury or death be $65,000.

  • A minimum $15,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $80,000 to cover bodily injury or death, and property damage liability, as well as the additional $3,000 per person on your policy for no-fault insurance.

Electronic monitoring

Utah maintains an electronic verification system that keeps track of the insurance status of all registered vehicles in the state. If your insurance provider cancels your insurance, the electronic system will send a letter to your address. You must provide a copy of your insurance policy to prove that you have the required liability insurance in this case.

Proof of insurance

If a driver in Utah is pulled over for a traffic violation, they must provide a proof of insurance to the police officer. Acceptable forms of insurance include:

  • An insurance ID card from an authorized insurance provider

  • An insurance policy binder

  • The declaration page of an insurance policy

Violation penalties

Driving without the legally required liability insurance is a class B misdemeanor in Utah. This charge carries several penalties that may include:

  • Fines of at least $400 for a first offense

  • Fines of at least $1,000 for future offenses

  • Suspension of driver’s license

  • Suspension of vehicle registration

If your driver’s license has been suspended due to an insurance violation, you must follow these steps to reinstate it:

  • Purchase car insurance, and provide proof to the Utah Division of Motor Vehicles.

  • Pay a $30 reinstatement fee

If your vehicle’s registration was suspended due to an insurance violation, you must follow these steps to reinstate it:

  • Provide evidence that proves you own the vehicle

  • Present a photo ID card

  • Present proof of insurance in the form of a current insurance policy, an insurance card, an insurance binder, or a copy of the declaration page of an insurance policy.

  • Pay a $100 reinstatement fee

For more information, or to renew your registration online, contact the Division of Motor Vehicles of the Utah State Tax Commission through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

P0222 OBD-II Trouble Code: Throttle/Pedal Position Switch/Sensor B Circuit Low Input
P0222 code definition Throttle/Pedal Position Switch/Sensor B Circuit Low Input What the P0222...
P0240 OBD-II Trouble Code: Turbocharger Boost Sensor B Circuit Range/Performance
P0240 code definition Turbocharger Boost Sensor B Circuit Range/Performance What the P0240 code means P0240 is an OBD-II generic code triggered when the Engine Control Module (ECM) detects the intake boost...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....


Related questions

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...

Q: Flooded car please help, potential damage? write off?

When the under vehicle got soaked and sat in the water the brakes tend to lock up after that if you had the parking brake on and then when you go to release it the rear drum brakes may stick...