The General® offers auto insurance in Utah. Our affordable auto insurance is available to all drivers even if you have a less than perfect driving record, have never been insured before, let your policy lapse, or have had your license suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Utah requires liability coverage and as a no-fault state requires at least $3,000 in personal injury protection (medical payments coverage). Utah law mandates that auto insurance policies provide the following coverage, which is often referred to as 25/65/15.

Bodily Injury Liability

  • $25,000 for the death or injury of any one person, any one accident
  • $65,000 for all persons in any one accident

Property Damage

  • $15,000 for any one accident

Personal Injury Protection (PIP)

Utah’s no-fault law also requires you buy a minimum of $3,000 in PIP coverage. PIP is a broad term for the coverage that will pay for your medical expenses in case of an accident.

Frequently Asked Questions Regarding Utah Auto Insurance

What is Uninsured/Underinsured Motorist Coverage?

Insured motorists who are concerned about being in an accident with an uninsured motorist can purchase this optional coverage to ensure their losses are covered.

Who is Insure-Rite?

Insure-Rite, Inc. is a company partnering with the DMV to help keep uninsured motorists off of Utah’s roads. This company is responsible for collecting insurance policy information from Utah’s insurance companies and comparing the information against the database of vehicles registered in Utah. When a registered vehicle is found to not have insurance, a letter is sent to the vehicle owner requesting information about the vehicle and why it is not insured. If the owner fails to provide the information or cannot provide proof of current insurance, Insure-Rite notifies the DMV that the vehicle is not insured, and the DMV revokes the registration and notifies the owner of the revocation in an attempt to keep the uninsured motorist off of the road.

My registration was revoked for no insurance. How do I reinstate it, and is there a fine?

Once this happens, you will need to visit your local DMV office to have your registration reinstated. Proof of current insurance will be required and a $100.00 reinstatement fee will be assessed, unless you can provide proof that the vehicle was insured on the date that the registration was revoked.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Utah Department of Insurance
Utah Department of Public Safety
Utah Division of Motor Vehicles
The Official Website of the State of Utah