Driving Without Insurance in Utah

Driving (or letting someone drive) a vehicle without insurance, or failing to show proof on demand, is a class C misdemeanor with a minimum fine of $400; the court may waive up to $300 for an owner who gets insurance before sentencing. A second or later offense within three years carries a minimum $1,000 fine. After a conviction, the driver license is suspended and will not be renewed or reissued until proof of insurance is given and kept on file with the Driver License Division for three years.

Drivers must have evidence of insurance in their immediate possession and show it on a peace officer's demand. Evidence can be a policy, declarations page, binder, renewal notice or insurance card, a certificate of insurance, bond, deposit or self-funded coverage certificate, a rental agreement, or information from Utah's Uninsured Motorist Identification Database. Proof may be shown in hard copy or on a mobile electronic device (the officer may not view other content). Officers may not cite a driver if the database shows the vehicle or driver is insured.

After a conviction for driving uninsured, proof of insurance (such as an SR-22-type certificate of insurance, bond or deposit) must be filed and kept with the department for three years. Generally, anyone required to give proof must maintain it for three years from the date the filing was last requested; if it lapses or is canceled, the license or registration can be refused until proof is re-established.