41-12a-302 Operating Vehicle without Insurance: Any owner of a motor vehicle on which owner’s or operator’s security (insurance) is required who operates his or her vehicle or permits it to be operated on a highway in this state without insurance is guilty of a class C misdemeanor. Any other person who operates a motor vehicle upon a highway in Utah with the knowledge that the owner does not have insurance in effect for the motor vehicle is guilty of a class C misdemeanor, unless that person has insurance on a Utah-registered motor vehicle or its equivalent that covers the operation, by the person, of the motor vehicle in question.
Note: 41-12a-301(5): Owner's or operator's security is not required for any of the following: (a) properly-registered off-highway vehicles when operated on legally-designated roads or in a legally-designated manner; (b) off-highway implements of husbandry operated in a legally-designated manner; (c) electric-assisted bicycles, as defined under Section 41-6a-102; (d) motor-assisted scooters, as defined under Section 41-6a-102; and (e) electric personal assistive mobility devices, as defined under Section 41-6a-102.
41-12a-303.2(2) No Proof of Insurance: A person operating a motor vehicle shall: (A) have in the person's immediate possession evidence of owner's or operator's security for the motor vehicle the person is operating; and (B) display it upon demand of a peace officer. 41-12a-303.2(5): A violation of this section is an infraction.
Note: 41-12a-303.2(2)(a)(ii): A person is exempt from the requirements of Subsection (2)(a)(i) if the person is operating: (A) a government-owned or leased motor vehicle; or (B) an employer-owned or leased motor vehicle and is driving it with the employer's permission.
Note: 41-12a-303.2(3): It is an affirmative defense to a charge under this section that the person had owner's or operator's security in effect for the vehicle the person was operating at the time of the person's citation or arrest.
Note: 41-12a-604: For a conviction of Operating a Vehicle without Insurance or No Proof of Insurance, the defendant’s operator’s license shall be suspended by the Department of Public Safety.