Utah vehicle owners now have more flexibility. The state has repealed the requirement that forced drivers to maintain liability insurance on a vehicle simply because it was registered — even if it was in storage.
📌 What Changed?
With the passage of HB47, liability insurance is now required only when a vehicle is operated on public roads, not merely because it’s registered. This reverses the prior interpretation under SB52 that tied insurance to registration status alone.
🛠 Why It Matters
Previously, owners of seasonal or stored vehicles — like classic cars, motorcycles, RVs, or trailers — had to carry liability coverage year-round just to keep plates active. The repeal eliminates that added cost and confusion.
📃 What This Means for You
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If your vehicle is in storage and not being driven, liability insurance is no longer required solely due to registration.
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If the vehicle is operated on public roads, liability coverage is still required.
🤔 Keep in Mind
Comprehensive coverage may still be worth considering to protect against theft, fire, or weather damage while in storage. Before making changes, talk with your insurance advisor to ensure you stay properly protected.
Bottom line: Liability insurance is required when you drive — not just because your vehicle is registered.
