Utah Car Insurance Quotes

No-Fault insurance must be maintained on all passenger cars and trucks throughout the vehicle's registration period if:

• The owner/operator is a resident;
• The owner/operator is a non-resident who operates a motor vehicle that has been physically present in Utah for 90 days during the preceding 365 days. Under such circumstances, a non-resident owner must maintain no-fault insurance while the vehicle remains in the state; and,
• All motor vehicles, (off-highway vehicles excepted) must maintain owner/operator security (liability coverage) during the registration period.

Note: Motorists must carry proof of insurance and present it to any law enforcement officer upon request.

Utah state law requires minimum coverage of:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $15,000 for damage to property.

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.