Insurance Car Insurance Car Insurance Basics Penalties for Driving Without Car Insurance in Utah Is Your Car Insurance Being Electronically Tracked? By Emily Delbridge Emily Delbridge Twitter Emily Delbridge is an authority on car insurance and loans who contributed to The Balance for nine years. Delbridge is a licensed Personal Lines Insurance Agent who has been in the insurance business since 2005. Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance. learn about our editorial policies Updated on May 23, 2022 Reviewed by Eric Estevez Reviewed by Eric Estevez Eric is a duly licensed Independent Insurance Broker licensed in Life, Health, Property, and Casualty insurance. He has worked more than 13 years in both public and private accounting jobs and more than four years licensed as an insurance producer. His background in tax accounting has served as a solid base supporting his current book of business. learn about our financial review board Fact checked by David Rubin Fact checked by David Rubin Facebook Instagram Twitter David J. Rubin is a fact checker for The Balance with more than 30 years in editing and publishing. The majority of his experience lies within the legal and financial spaces. At legal publisher Matthew Bender & Co./LexisNexis, he was a manager of R&D, programmer analyst, and senior copy editor. learn about our editorial policies In This Article View All In This Article What Auto Insurance Is Required by Utah? Does Utah Track Your Car Insurance? Utah Penalties for Driving Without Insurance If You’re in a Car Accident Without Insurance The Bottom Line Photo: Jacobs Stock Photography Ltd / Getty Images Utah has steep penalties for driving without insurance. Utah is a "no-fault" state and requires all drivers to carry car insurance. Without car insurance, you may face fines, and your registration and driver's license could be suspended. Learn more about the consequences of driving without insurance in Utah. What Auto Insurance Is Required by Utah? Utah is a no-fault state, which means that your insurance is responsible for paying for your medical costs in the event of an accident, even if it's not your fault. In some circumstances, you may be able to file a third-party claim for medical expenses, which is a claim on the other driver's insurance. Since Utah is a no-fault state, you're required to carry personal injury protection (PIP) coverage, which pays for your medical expenses in an accident. The minimum PIP coverage is $3,000. You're also required to carry at least $25,000 per person and $65,000 per accident of bodily injury liability coverage and $15,000 in property damage liability insurance. You must have auto insurance in Utah if: You're a Utah resident who owns or operates a vehicleYou're not a Utah resident, but you operate a vehicle that's been physically present in Utah for 90 of the previous 365 days All vehicles registered in Utah must have at least minimum coverage unless they are off-highway vehicles. Does Utah Track Your Car Insurance? Insure-Rite is a company that works with the Utah Division of Motor Vehicles. It compares insurance information to Utah's vehicle registration information, and it sends notices to vehicle owners without insurance on file. Those who receive a letter from Insure-Rite must respond, and if you don't, your vehicle registration could be canceled. If your vehicle registration is canceled, you can get it reinstated by: Presenting proof of ownership Presenting a picture identification Presenting proof of insurance coverage Paying a $100 reinstatement fee Utah State Penalties for Driving Without Insurance Getting your vehicle registration reinstated would only be the tip of the iceberg if you are caught by law enforcement driving without insurance in Utah. Driving without a license in the state is a Class B Misdemeanor, and you’ll also be on the line for: Driver's license suspension ($40 reinstatement fee)Vehicle registration suspension ($100 reinstatement fee)Having your vehicle impounded (tow and impound fees)Ticket on your first offense: $400 minimum fineTicket on any subsequent offense: $1,000 minimum fine Note If you’re a good driver, you can typically obtain insurance coverage that meets Utah's minimum requirements for a reasonable rate. It costs less to be insured than to pay the many fees for driving without insurance. If You’re in a Car Accident Without Insurance Since Utah is a no-fault insurance state, you will be held personally liable if you are in a car accident without insurance. That means all of the expenses related to the accident will come directly out of your pocket. If your health insurance doesn't cover auto accident injuries, you will have to pay all the medical expenses. If the accident was your fault, you might be required to pay some of the other driver's medical expenses as well. If you caused any property damage, you will be responsible for covering the cost of repairs. Since starting electronic tracking of car insurance through Insure-Rite, Utah's uninsured motorist rate has dropped from 25% in 1995 to 5% as of 2022, according to Insure-Rite. The national average was 12.6% in 2019, according to the Insurance Research Council. The Bottom Line It is much better for all drivers if everyone is insured properly. It lowers the overall cost of insurance and greatly reduces the hassle of getting back to normal after an accident. Keep your car insurance in force to avoid high fees and a lot of trouble. If you’re not sure which insurance option will be right for you, talk to a qualified car insurance agent or broker to find affordable coverage that meets your needs. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Utah Division of Motor Vehicles. "Vehicle Insurance Requirements." Utah State Legislature. "31A-22-302. Required Components of Motor Vehicle Insurance Policies -- Exceptions." Utah State Legislature. "31A-22-307. Personal Injury Protection Coverages and Benefits." Utah State Legislature. "31A-22-304. Motor Vehicle Liability Policy Minimum Limits." Utah Division of Motor Vehicles. "Insurance Requirements FAQ." Utah Department of Public Safety. "Driver License." Utah Division of Motor Vehicles. "Impound Fees." Insure-Rite. "Insure-Rite Results." Insurance Research Council. "One in Eight Drivers Uninsured."