📋Utah Insurance & Equipment Practice Test
Required insurance, vehicle equipment, and safety checks. These are real Utah-specific questions with Utah Code references, not generic national test-prep content.
Question 1 of 5
What are Utah's minimum auto insurance liability requirements?
- $15,000 / $30,000 / $5,000
- $25,000 / $65,000 / $15,000
- ✓ $30,000 / $65,000 / $25,000
- $50,000 / $100,000 / $25,000
Utah's minimum liability insurance is 30/65/25, raised from 25/65/15 by HB 113 effective January 1, 2025. Utah also requires mandatory Personal Injury Protection (PIP) on car policies as a no-fault state (motorcycle policies are exempt from the PIP mandate).
Utah Code 31A-22-304 (as amended by HB 113, effective 1/1/2025)
Memory Trick
30-65-25: raised from 25-65-15 by HB 113 in 2025.
Question 2 of 5
Utah law requires all occupants of a motor vehicle to wear a seatbelt. Who can be fined for an unbuckled passenger under 16?
- The unbuckled passenger
- The vehicle's registered owner
- ✓ The driver
- The passenger's parent or guardian, even if not in the vehicle
In Utah, the driver is legally responsible for ensuring all passengers under 16 are wearing seatbelts or in proper child restraints.
Utah Code 41-6a-1803
Question 3 of 5
Children under what age are required to be in a child safety seat in Utah?
- Under 4 years old
- Under 6 years old
- ✓ Under 8 years old
- Under 10 years old
Children under 8 must use a child safety seat or booster seat in Utah, unless they are at least 57 inches (4'9") tall.
Utah Code 41-6a-1803
Memory Trick
Under 8? Car seat or booster. 8 rhymes with 'great,' and that's great to move to a regular belt.
Question 4 of 5
Is it legal to drive without proof of insurance in Utah?
- Yes, as long as you have insurance even if you cannot prove it
- ✓ No, you must carry proof of insurance and show it if requested by law enforcement
- Only if your vehicle is less than 5 years old
- Proof is only needed after an accident
Utah requires all drivers to carry proof of insurance. Electronic proof on your phone is acceptable. A first offense is an infraction with a minimum $400 fine; a second or later offense becomes a class C misdemeanor.
Utah Code 41-12a-303.2
Question 5 of 5
Utah is a 'no-fault' insurance state. What does this mean for Personal Injury Protection (PIP)?
- No one is at fault in any accident in Utah
- ✓ Your own PIP coverage pays your medical bills after an accident, regardless of who caused it
- You do not need insurance in Utah
- The state pays for all accident injuries
Utah's no-fault system means your own PIP coverage pays your medical bills first. You can still sue the at-fault driver for damages beyond your PIP coverage threshold.
Utah Code 31A-22-309
Memory Trick
No-fault = YOUR insurance pays YOUR bills. Then figure out fault later.
That's 5 of 15 insurance & equipment questions in the full bank.
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