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General information, not legal advice. Your suspension notice, the court and the state agency decide what applies to you. Fees and rules change; confirm with the agency before you pay.

Home / Minimum Car Insurance Requirements by State / Utah

Utah Minimum Car Insurance and Penalties for Driving Without It

Last checked · Sources listed below

The short answer

Utah requires liability insurance of at least $30,000 per person and $65,000 per accident for injuries, and $25,000 for property damage (30/65/25). Other required coverage: PIP $3,000.

Utah at a glance

Minimum liability$30,000 per person and $65,000 per accident for injuries, and $25,000 for property damage (30/65/25)
Other required coveragePersonal injury protection (PIP) is required, with medical benefits of at least $3,000 per person, lost income benefits, $1,500 for funeral costs and a $3,000 death benefit. Uninsured and underinsured motorist coverage are included unless you waive them in writing.
First offense for driving uninsuredDriving without insurance is a class C misdemeanor with a fine of at least $400; the court may waive up to $300 if the owner shows before sentencing that insurance was obtained after the violation. Your driver license is suspended until you provide proof of insurance (SR-22), which you must keep for three years.
Repeat offenseA second or later offense within three years of a prior conviction carries a fine of at least $1,000, with the same license suspension and three-year SR-22.
Fee to restore after a lapse$40 driver license reinstatement fee. If the vehicle registration was revoked, a $100 reinstatement fee applies, waived if the vehicle was insured on the revocation date.

Penalties depend on the court and your record; your citation or notice decides what applies to you.

FAQ

What is the minimum car insurance in Utah?

Utah requires liability insurance of at least $30,000 per person and $65,000 per accident for injuries, and $25,000 for property damage (30/65/25). Other required coverage: PIP $3,000.

What happens if you drive without insurance in Utah?

Driving without insurance is a class C misdemeanor with a fine of at least $400; the court may waive up to $300 if the owner shows before sentencing that insurance was obtained after the violation. Your driver license is suspended until you provide proof of insurance (SR-22), which you must keep for three years.

Related

Sources

  1. dld.utah.gov/sr22-insurance
  2. dld.utah.gov/fees
  3. le.utah.gov/C31A-22-S304_2023050320230503.html
  4. dld.utah.gov/reinstatement
  5. le.utah.gov/41-12a-S302.html
  6. le.utah.gov/C41-12a-S302_2026050620260506.html
  7. le.utah.gov/C31A-22-S302_2026050620260506.html
  8. le.utah.gov/C31A-22-S307_2023050320230503.html
  9. le.utah.gov/C31A-22-S305_2026050620260506.html
  10. le.utah.gov/C31A-22-S305.3_2026050620260506.html
  11. le.utah.gov/C53-3-S105_2026050620260701.html
  12. dmv.utah.gov/insurance