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Utah SR-22 Insurance After a DUI or Violation

Utah requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

Utah cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Utah

Utah requires minimum liability coverage of 25/65/15 — $25,000 per person for bodily injury, $65,000 per accident, and $15,000 for property damage. Drivers with DUI convictions, multiple at-fault accidents, uninsured violations, or license suspensions typically must file SR-22 with the Utah Driver License Division to prove continuous coverage. The SR-22 requirement usually lasts 3 years from the date of reinstatement or conviction. Failing to maintain coverage during this period restarts the 3-year clock and can result in immediate suspension.

How Much Does Car Insurance Cost in Utah?

High-risk insurance rates in Utah are driven by violation type, time since the incident, and carrier availability. DUI convictions typically increase premiums by 70–140% compared to clean-record rates, while at-fault accidents and uninsured violations raise rates by 30–80%. Non-standard carriers in metro areas like Salt Lake City and Provo offer the most competitive high-risk rates, while rural drivers often face limited options and higher costs.

Minimum Liability
State-minimum 25/65/15 coverage with SR-22 filing, typically for drivers with a single DUI or uninsured violation. Rates are highest immediately after conviction and drop 20–30% at 12 months with no new violations.
Standard Liability
Enhanced liability limits (50/100/50) plus UM/UIM coverage, often required by non-standard carriers for drivers with multiple violations or accidents. Recommended for drivers with assets to protect or higher lawsuit risk.
Full Coverage
Liability plus collision and comprehensive for financed vehicles or newer cars. Highest upfront cost but prevents total loss from causing a coverage lapse during SR-22 period, which would reset the 3-year requirement and cost far more long-term.

What Affects Your Rate

  • Violation type: DUI increases rates 70–140%, at-fault accidents 30–80%, uninsured violations 25–60%
  • Time since violation: rates drop 20–30% at 12 months, 40–50% at 36 months with clean record
  • Geographic location: Salt Lake County and Utah County have more non-standard carrier competition and lower rates than rural areas
  • Coverage lapses: each lapse during SR-22 period resets the 3-year clock and raises rates an additional 20–40%
  • Credit score: Utah allows credit-based insurance scoring; poor credit can add 30–50% to high-risk premiums
  • Vehicle type: older vehicles with liability-only coverage cost less than full coverage on financed SUVs or trucks

Compare Auto Insurance Rates in Utah

Find Your City in Utah

Salt Lake City, Utah cityscape and street view

Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
West Jordan, Utah cityscape and street view

West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
American flag flying over small town with snow-capped mountains in background and autumn trees below

Sandy

suburban
Desert landscape with red sandstone formations and layered cliffs under blue sky

St. George

urban
Snow-capped mountains behind a reflective salt flat under dramatic cloudy sky in desert landscape

Ogden

urban
Aerial view of white Mormon temple with twin spires at sunset, surrounded by parking lots and residential area

Layton

suburban

Sources

  • Utah Department of Public Safety - Driver License Division
  • Utah Insurance Department
  • Utah Code Title 41 - Motor Vehicles
  • Utah Administrative Code R708 - Motor Vehicle Financial Responsibility

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