Utah Minimum Car Insurance Requirements
Utah requires all drivers to carry liability insurance: $25,000 for bodily injury per person, $65,000 per accident, and $15,000 for property damage.
Driving without insurance is illegal. First offense penalties include fines up to $299, license suspension, and possible jail time.
You must carry proof of insurance in your vehicle at all times.
Can Immigrants Get a License in Utah?
Utah does NOT currently issue driver licenses to undocumented immigrants. You must have lawful presence or be a temporary visa holder.
If you have an ITIN, valid foreign passport, and proof of Utah residency, you may qualify for a license if you have legal status.
Check the Utah Driver License Division at your local DMV office for current requirements, as policies can change.
Best Insurance Options for Immigrants in Utah
Many major insurers accept ITIN numbers instead of SSN: check with Geico, State Farm, Progressive, and Allstate directly. Rates vary widely, so get quotes from multiple companies.
If you have a foreign license, some insurers will accept it temporarily while you work on getting a Utah license.
Non-owner policies are available if you do not own a car but drive regularly.
Tips for Immigrant Drivers in Utah
Buying car insurance does NOT report you to ICE. Insurance companies follow privacy laws and do not share customer data with immigration authorities.
Keep your proof of insurance, vehicle registration, and identification documents separate in your vehicle.
If stopped by police, calmly provide your insurance documents. You have the right to remain silent about immigration status.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Injured person |
| Bodily Injury (per accident) | $65,000 | Total per accident |
| Property Damage | $15,000 | Damage to other property |
| Uninsured Motorist (BI) | $25,000/$65,000 | Required in Utah |
| Uninsured Motorist (PD) | $15,000 | Required in Utah |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN from the IRS instead. Most Utah insurers accept ITIN. Insurance companies do not report you to ICE. Your data is protected by federal privacy law.
No. Utah does not issue licenses to undocumented immigrants. You need proof of lawful presence. Check https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for states that do.
25/65/15: liability coverage of 25k bodily injury per person, 65k per accident, 15k property damage. Collision and comprehensive are not required but recommended.
State Farm, Allstate, GEICO, and Progressive all work with ITIN numbers in Utah. Rates vary, so get quotes from multiple insurers. Some specialize in high-risk drivers.
Some Utah insurers accept valid foreign licenses, but you need a US address and ITIN. Ask your insurer first. International driving permits alone are usually not enough.
Yes. Insurance companies are not immigration enforcement. Your customer data is protected by federal law (Gramm-Leach-Bliley Act). Buying insurance does not flag you to ICE.
Utah insurers will rate you as a new driver. Rates are higher but you can still get coverage. Show your foreign license and driving history if available. Ask about discounts for safety courses.