Minimum Requirements

• The minimum amount of liability coverage a Utah driver is required to have is $25,000 for bodily injury per person, $65,000 for bodily injury per accident and $15,000 for property damage per accident. Utah drivers must also carry a personal injury protection policy for $3,000 minimum coverage. Personal injury protection insurance pays for the driver's or policyholder's medical expenses after an automobile accident.
  
  

Who Must Have Insurance

• No-fault liability coverage is required for all drivers of personal vehicles in Utah. The requirements apply to owners or motor vehicle operators who are residents of the state. Non-residents who operated a motor vehicle in the state for 90 days in the previous year must maintain a liability insurance policy while the vehicle is in Utah.
  
  

Proof of Insurance

• Utah drivers must carry proof of insurance in the vehicle at all times. Law enforcement officers may request proof of insurance during routine traffic stops or at the scene of an accident. The state also maintains a database of motor vehicle registrations and insurance policies to enforce the law. The state will send a letter to registered vehicle owners who are found to not have an insurance policy; this requires the vehicle owner to respond by providing proof of insurance to the state.
  
  

Penalties

• The penalties for failing to provide proof of insurance include registration suspension and a fine. The fine for a first offense of operating a motor vehicle without insurance is $400 and a second offense within three years is $1,000. The state of Utah suspends the driver's license of operators convicted of failing to insure a vehicle in the state.