Is it legal to drive without auto insurance?

In Utah, it is a legal requirement to maintain no-fault (or liability) insurance on all passenger cars and trucks for the entire registration period. The Utah State Legislature has established minimum liability limits that insurance companies operating in the state must adhere to for motor vehicle insurance policies.

As a responsible driver and vehicle owner in Utah, it is your responsibility to ensure that any vehicle you drive in the state is adequately insured. It is also important to note that insurance companies offering motor vehicle insurance policies in Utah must provide coverage that meets or exceeds the mandatory minimum limits.

Driving without insurance or allowing your insurance to lapse is considered a Class B misdemeanor in Utah. This offense can result in fines, as well as suspensions of your license and vehicle registration. Restoring your driving privileges can also be quite expensive. Additionally, if you have a loan on your vehicle, your lender likely has insurance requirements that must be met. Failure to meet these requirements may result in additional charges for you.

Complying with insurance requirements in Utah is crucial to avoid legal consequences and financial hardships. It is essential to ensure that your vehicle remains properly insured at all times. We recommend consulting with your insurance provider to understand the specific coverage limits and obligations that apply to your situation.

By adhering to the insurance requirements and maintaining appropriate coverage, you can drive with peace of mind, knowing that you are complying with the law and protecting yourself financially in the event of an accident or other unforeseen circumstances.

References: Utah Division of Motor Vehicles, Vehicle Insurance Requirements | Utah State Legislature, 31A-22-304, Motor vehicle liability policy minimum limits.