Utah is a no-fault state with 30/65/25 minimum liability. Here's exactly what the law demands, what it costs to ignore it, and how SR-22 filings work — with statutes cited.
| Coverage UT law requires | Minimum |
|---|---|
| Bodily injury liability — per person | $30,000 |
| Bodily injury liability — per accident | $65,000 |
| Property damage liability | $25,000 |
| Personal injury protection (PIP) | $3,000 |
| PIP | Personal injury protection (no-fault benefits) of at least $3,000 per person for medical e |
Effective January 1, 2025 (HB 113 of 2023 raised bodily injury per person from $25,000 to $30,000 and property damage from $15,000 to $25,000 for policies issued or renewed on or after that date). Source: Utah Code § 31A-22-304 (motor vehicle liability policy minimum limits) · Utah Code § 31A-22-304 (liability minimums), § 31A-22-307 (PIP), and § 41-12a-301 et seq. (Financial Responsibility of Motor Vehicle Owners and Operators Act)
First offense: Operating a vehicle without owner's or operator's security is a class C misdemeanor with a mandatory fine of not less than $400, though a court may waive up to $300 of it if the driver obtains the required coverage before sentencing (Utah Code § 41-12a-302).
Repeat offenses: A second or subsequent offense within three years of a previous conviction carries a mandatory fine of not less than $1,000, and the Uninsured Motorist Identification Database program can also trigger registration revocation for vehicles without verified coverage.
License impact: On conviction, the Driver License Division suspends the driver license and will not renew or reissue it until the driver files proof of security (an SR-22 certificate of insurance) and maintains it for three years; a lapse in the filing means suspension for the remainder of the three-year period (Utah Code § 41-12a-302(8)). (source: Utah Code § 41-12a-302)
Utah requires proof of financial responsibility to be maintained with the Driver License Division for three years from the date filing was last required (Utah Code §§ 41-12a-302, 41-12a-411); non-owner SR-22 policies are available for drivers without a vehicle.
Typically required after: conviction for operating a vehicle without owner's or operator's security, alcohol-related offenses and other mandatory license suspensions or revocations, failure to satisfy judgments arising from motor vehicle accidents. Filing period: 3 years in most cases. Non-owner option: available — you can file without owning a car.
Need one filed? Our SR-22 service page explains the process; a licensed professional at (866) 370-6395 can usually file the same day.
Utah's no-fault system requires PIP with at least $3,000 per person in medical benefits, plus statutory lost-wage, household-service, funeral, and survivor benefits, paid by your own insurer regardless of fault (Utah Code § 31A-22-307).
Uninsured motorist coverage limits default to your liability limits unless you reject the coverage or choose lower limits by signing an acknowledgment form (Utah Code § 31A-22-305); UM/UIM is not part of the mandatory minimums.
Utah runs an Uninsured Motorist Identification Database program that matches registrations against insurer records to catch uninsured vehicles (Utah Code Title 41, Chapter 12a, Part 8).
License and registration consequences: On conviction, the Driver License Division suspends the driver license and will not renew or reissue it until the driver files proof of security (an SR-22 certificate of insurance) and maintains it for three years; a lapse in the filing means suspension for the remainder of the three-year period (Utah Code § 41-12a-302(8)).
Utah runs an Uninsured Motorist Identification Database program that matches registrations against insurer records to catch uninsured vehicles (Utah Code Title 41, Chapter 12a, Part 8).
| City | Population | Median income | 30+ min commute | No-vehicle households |
|---|---|---|---|---|
| Salt Lake City | 208,007 | $75,090 | 19.7% | 10.8% |
| West Valley City | 138,437 | $92,209 | 26.4% | 4.7% |
| West Jordan | 116,692 | $108,153 | 32.9% | 2.7% |
| Provo | 114,766 | $64,171 | 18.7% | 4.7% |
| St. George | 101,995 | $76,508 | 11.0% | 4.2% |
| Orem | 97,182 | $83,342 | 21.3% | 3.7% |
| Sandy | 94,291 | $112,176 | 28.2% | 2.5% |
| Ogden | 87,413 | $72,575 | 28.2% | 8.9% |
| Lehi | 85,173 | $131,299 | 33.2% | 1.8% |
| Layton | 83,286 | $102,480 | 31.2% | 3.0% |
Source: US Census Bureau, ACS 5-year estimates.
Southwest Utah driving runs the I-15 corridor from Cedar City down through St. George and Washington, then into the dramatic Virgin River Gorge toward the Arizona line — a stretch locals treat with respect. Zion-bound tourist traffic swells Highway 9 and the whole corridor in season, and winter splits the region: Cedar City gets real snow and ice at elevation while St. George stays desert-mild. Flash floods during monsoon bursts can send water and rock across low crossings with little warning, and open-range stretches and mule deer on Highway 18 and 56 keep comprehensive coverage relevant. Growth has brought steady construction and new-resident traffic, making collision and UM conversations practical.
Wasatch Front driving runs on I-15, and the Point of the Mountain squeeze between Salt Lake and Utah County — Lehi's tech-corridor growth in full view — is the commute everyone shares. Express lanes, the I-215 belt, and Legacy Parkway distribute the load toward Layton and Ogden, while Bangerter Highway's interchanges keep West Valley and Herriman drivers alert. Winter is the underwriter: ski traffic up Little and Big Cottonwood canyons crawls behind traction-law enforcement, valley inversions coat mornings in freezing fog, and snow squalls flash-ice the interstate; comprehensive coverage picks up the hail, ice, and parking-lot chaos. Deer strikes climb toward Logan and along the benches. Fast-growing arterials argue for strong liability limits and UM coverage.
208,007 residents
138,437 residents
116,692 residents
114,766 residents
101,995 residents
97,182 residents
94,291 residents
87,413 residents
85,173 residents
83,286 residents
82,686 residents
63,648 residents
59,346 residents
58,678 residents
54,907 residents
53,290 residents
50,278 residents
50,188 residents
48,425 residents
45,457 residents
45,023 residents
44,946 residents
38,993 residents
38,524 residents
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