Utah: Insurance and financial responsibility Practice Test
Utah’s Financial Responsibility Act, required insurance, uninsured motorists, judgments after a crash, and crash reports.
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Questions are original and based on the official manual "Utah Driver Handbook" (2026 edition (new 2026 laws effective May 6, 2026)), Utah Department of Public Safety, Driver License Division.
All 28 questions in this practice test
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According to the handbook, what usually follows a conviction for illegally passing a school bus?
- A lower insurance rate
- No change in insurance rates
- An increase in insurance rates
- A cancellation of your vehicle registration
Show answer
Correct answer: An increase in insurance rates
A conviction for illegally passing a school bus usually means higher insurance rates.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 36 · Open this page in the manual (Manual page 36)
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What is the Financial Responsibility Act designed to do?
- Set the price of automobile insurance
- Replace the need for driver license tests
- Pay for repairs to every damaged vehicle
- Protect the public from losses due to crashes
Show answer
Correct answer: Protect the public from losses due to crashes
The Act protects the public from losses due to motor vehicle crashes by requiring that you or your vehicle be insured.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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Under the Financial Responsibility Act, what is the offense of knowingly operating or permitting the operation of a vehicle without owner's security?
- A class B misdemeanor
- A third-degree felony
- A class C misdemeanor
- A traffic infraction
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Correct answer: A class B misdemeanor
It is a class B misdemeanor, which may also cost you your license, registration and plates.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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Which may be lost for operating a vehicle without owner's security?
- Only your registration sticker and nothing else
- Only your driver license for 30 days
- Your license, vehicle registration, and license plates
- Your vehicle's title and your home address
Show answer
Correct answer: Your license, vehicle registration, and license plates
The misdemeanor may result in losing your driver license, motor vehicle registration and license plates.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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To regain a license, registration and plates lost for driving without security, what must you provide?
- A letter from your employer
- Proof of adequate financial security
- A signed statement from a police officer
- Proof that you have attended a driving class
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Correct answer: Proof of adequate financial security
You must provide proof of adequate financial security, and also pay the required reinstatement fees and any applicable fines.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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What does the handbook call the most convenient and least expensive way to comply with the Financial Responsibility Act?
- Paying a deposit with the Driver License Division each year
- Carrying a signed release from other drivers
- Keeping cash in the vehicle
- Motor vehicle insurance
Show answer
Correct answer: Motor vehicle insurance
Motor vehicle insurance is described as the most convenient and least expensive way to comply.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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After a crash in which you were the at-fault driver, one way to provide the required security is to do what?
- Deposit money with the Financial Responsibility Section equal to the loss
- Pay a one-time deposit to the court within 60 days of the crash
- Pay the other parties' insurance companies a deposit
- Give the other parties your vehicle registration
Show answer
Correct answer: Deposit money with the Financial Responsibility Section equal to the loss
One of two ways to provide security is depositing money with the Financial Responsibility Section equal to the other parties' loss.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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After a crash in which you were the at-fault driver, you were not covered by automobile liability insurance. Which of these can you file instead as evidence?
- A statement that the crash was only a minor accident
- A copy of your vehicle's registration card
- Evidence that all parties have released you from liability
- Evidence that you reported the crash within 24 hours
Show answer
Correct answer: Evidence that all parties have released you from liability
Evidence of a release of liability from all parties is one of the items that can be filed if you were not insured.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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If your driving privilege is suspended under the Financial Responsibility Act, after how long may it be reinstated if no civil action arising out of the accident has been instituted?
- 30 days after the effective date of suspension
- One year after the effective date of suspension
- Six months after the effective date of suspension
- Three years after the effective date of suspension
Show answer
Correct answer: One year after the effective date of suspension
Without a civil action over the accident, a suspension under this act may end one year after it took effect.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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Within how many days after the court decision must a judgment against you be satisfied to avoid suspension of your driving privilege?
- 10 days
- 30 days
- One year
- 60 days
Show answer
Correct answer: 60 days
If the judgment is not satisfied within 60 days of the court decision, your driving privilege will be suspended.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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What must you do to end a suspension caused by an unsatisfied judgment?
- Satisfy the judgment and file an SR22 as "future proof"
- Wait until the next license renewal date
- Pay the reinstatement fee and take a written test again
- Show only that your vehicle is currently registered
Show answer
Correct answer: Satisfy the judgment and file an SR22 as "future proof"
The suspension lasts until the judgment is satisfied and you file future proof of financial responsibility as an SR22.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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What is "future proof" of financial responsibility?
- A promise to take a defensive driving course after a crash
- A record that shows you have never had a crash
- Evidence you will pay for damage you cause in a future accident
- A receipt showing your vehicle was inspected
Show answer
Correct answer: Evidence you will pay for damage you cause in a future accident
Future proof is evidence that you will pay for damage to others if you are responsible for a future accident.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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When is "future proof" of financial responsibility required?
- Only when you apply for your first learner permit or license
- After an unsatisfied judgment or a financial responsibility suspension
- Every time you renew your vehicle registration each year
- Whenever you drive a vehicle that you do not own yourself
Show answer
Correct answer: After an unsatisfied judgment or a financial responsibility suspension
It is required after an unsatisfied judgment or a suspension for violating the financial responsibility laws.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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For an unsatisfied judgment, how long must "future proof" be maintained?
- One year from the date of the crash
- Three years from the date of the judgment
- One year from the date of reinstatement
- Three years from the date of reinstatement
Show answer
Correct answer: Three years from the date of reinstatement
For a suspension or revocation it runs three years from that date, but for an unsatisfied judgment it runs three years from reinstatement.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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What is the most common way to file "future proof" of financial responsibility?
- Evidence of coverage under an SR22 automobile liability policy
- Deposit your driver license with the court for a year
- Show your vehicle's registration to a peace officer
- Show a receipt for a paid traffic fine
Show answer
Correct answer: Evidence of coverage under an SR22 automobile liability policy
The most common way is evidence of coverage under an SR22 automobile liability insurance policy.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 68 · Open this page in the manual (Manual page 68)
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A vehicle owner is convicted of driving without insurance. The Department of Motor Vehicles must revoke the registration unless insurance is purchased within how many days?
- 10 days
- 60 days
- 30 days
- 90 days
Show answer
Correct answer: 30 days
The registration must be revoked unless insurance is bought within 30 days.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Where must proof of insurance be any time anyone drives a motor vehicle?
- At home in a safe place where it cannot be lost
- In the vehicle, to show any peace officer who asks
- With the Driver License Division
- Only in the glove box after a crash
Show answer
Correct answer: In the vehicle, to show any peace officer who asks
The law requires proof of insurance in the vehicle to be shown to any peace officer who asks, and it may be shown electronically.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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How may you provide proof of insurance to a peace officer?
- Only on a paper copy kept in the vehicle
- Only by telephone call to your insurer
- Only by mailing it to the officer later
- Electronically, on a mobile electronic device
Show answer
Correct answer: Electronically, on a mobile electronic device
Utah allows proof of insurance to be shown to a peace officer electronically on a mobile electronic device.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Which insurance coverage provides payment for injuries or damages caused by your negligence to another person or property?
- Bodily injury and property damage liability
- Collision coverage on your own vehicle
- Comprehensive coverage on your own vehicle
- Uninsured motorist coverage for your injuries
Show answer
Correct answer: Bodily injury and property damage liability
Bodily injury and property damage liability is mandatory coverage that pays for injuries or damage you cause by negligence.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Which coverage covers injuries to you and your passengers if you are in a crash caused by an uninsured or a hit-and-run driver?
- Collision
- Comprehensive
- Uninsured motorist
- Bodily injury liability
Show answer
Correct answer: Uninsured motorist
Uninsured motorist coverage pays for injuries to you and your passengers from such crashes, though property damage generally is not paid.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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What is personal injury protection (PIP), also known as "no-fault" coverage?
- Optional coverage for repairs to your car after fire or theft
- Mandatory coverage paying basic injury benefits without deciding fault
- Coverage that a lien holder requires, but the law does not
- Coverage for repairs to your own vehicle after a collision
Show answer
Correct answer: Mandatory coverage paying basic injury benefits without deciding fault
PIP is mandatory and pays basic benefits for bodily injury to you and others without having to decide who was at fault.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Which insurance coverage covers repairs to your vehicle after a collision, subject to a deductible?
- Comprehensive
- Personal injury protection
- Bodily injury liability
- Collision
Show answer
Correct answer: Collision
Collision covers repairs to your vehicle for collision damage, subject to a deductible.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Who generally requires collision coverage, even though the law does not?
- A lien holder
- The police
- The Driver License Division
- The county clerk
Show answer
Correct answer: A lien holder
Collision coverage is not required by law but is generally required by a lien holder.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Which coverage pays for repairs to your vehicle after fire, theft, vandalism, or glass breakage?
- Collision
- Uninsured motorist
- Comprehensive
- Personal injury protection
Show answer
Correct answer: Comprehensive
Comprehensive covers damage from causes other than collisions, such as fire, theft, vandalism or glass breakage.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Is comprehensive insurance coverage required by law in Utah?
- Yes, it is required for every driver
- No, but a lien holder may require it
- Yes, but only for drivers under 21
- No, and a lien holder may not require it
Show answer
Correct answer: No, but a lien holder may require it
Comprehensive coverage is not required by law but may be required by a lien holder.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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If you are convicted of driving without insurance or without proof of insurance, how long will you be required to carry an SR22?
- One year
- Six months
- Five years
- Three years
Show answer
Correct answer: Three years
A conviction for driving without insurance or proof of insurance requires carrying an SR22 for three years.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 69 · Open this page in the manual (Manual page 69)
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Failing to show what may result in suspension under the Utah Automobile No-Fault Insurance Act?
- Proof of a completed defensive driving course
- Proof of vehicle inspection and emissions testing
- Proof of no-fault insurance or other security
- Proof of Utah residency for the past 90 days
Show answer
Correct answer: Proof of no-fault insurance or other security
Failing to show proof of no-fault insurance or other security is a listed ground for suspension.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 71 · Open this page in the manual (Manual page 71)
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Which of these may result in suspension of your driving privilege?
- Allowing a licensed family member to drive your insured vehicle
- Allowing your registered vehicle to be operated without required insurance
- Registering a vehicle that you bought from a private seller
- Keeping your registered vehicle in a garage most of the year
Show answer
Correct answer: Allowing your registered vehicle to be operated without required insurance
Operating, or allowing someone to operate, a registered vehicle without required insurance or proof of financial responsibility can bring suspension.
Source: Utah Driver Handbook (2026 edition (new 2026 laws effective May 6, 2026)), page 71 · Open this page in the manual (Manual page 71)