It is a class B misdemeanor if insurance is not maintained on a vehicle or if evidence of insurance is not carried when operating a motor vehicle. It is an affirmative defense if the person had insurance on the vehicle at the time of arrest. There is a fine of not less than $400 for a first offense and not less than $1,000 for a second or subsequent offense. (Utah Code Ann. § 41-12a-302, -303.2)