Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In Utah, drivers are legally required to carry a minimum amount of auto insurance. This includes bodily injury liability coverage with a minimum of $25,000 per person and $65,000 per accident, as well as property damage liability coverage with a minimum of $15,000. Utah also requires personal injury protection (PIP) with a minimum limit of $3,000. This is because Utah is a no-fault state, meaning PIP coverage is used to cover medical expenses regardless of who is at fault in an accident. Drivers must provide proof of insurance when stopped by law enforcement, when involved in an accident, or when registering a vehicle. Failure to provide proof of insurance can result in a citation, and driving without the required insurance can lead to fines, license suspension, and vehicle registration suspension. To register a vehicle in Utah, proof of insurance is mandatory, and not having your vehicle properly registered can also result in penalties.