Utah state law requires all vehicle owners to have and maintain car insurance for their vehicles for as long as they are using and registering the vehicle. The required minimum amount of car insurance coverage for Utah is $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage. Since Utah is a no fault car insurance state, you are also required to have a personal injury protection (PIP) of at least $3,000 coverage. This means that your car insurance will pay for your medical bill to up to $3,000 regardless of who was at fault for the accident. If your medical expense exceeds the $3,000 limit, then it will be necessary to establish who was legally responsible for the accident.

However it is advisable to have higher car insurance coverage for Utah. In case you were ever to get involved in serious accident or you wrecked a luxury car, the amount of coverage that is recommended is 100/300/100. You might also want to consider getting an uninsured/underinsured car insurance coverage in case you are ever involved in a hit and run incident or if the at fault driver does not have any insurance and you require additional medical cost.

After you find the right car insurance provider in Utah and get coverage, you will receive your insurance identification card from the company. This will be your proof of insurance and you have to keep it with your whenever you are driving in Utah.

Although you are not required to show your proof of car insurance when you register your vehicle, Utah checks the records of car insurance policies inside the vehicle registration database. If you fail to maintain your car insurance for Utah, you will have to pay penalties and may even be charged with a Class B misdemeanor.

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