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.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
An endorsement filed by your insurer proving you carry continuous coverage to the Utah Driver License Division. Required for DUI, uninsured violations, and suspensions. Costs $15–$35 to file and must stay active for 3 years without lapse.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers after DUI, suspensions, multiple violations, or SR-22 requirements. Typically $200–$400/mo for liability-only in Utah, with more options in urban areas than rural counties.
Liability Insurance
Covers injuries and property damage you cause to others. Utah requires 25/65/15 minimums, but many non-standard carriers require 50/100/25 for drivers with SR-22 or multiple violations.
Full Coverage
Combines liability, collision, and comprehensive to cover your vehicle and others. Required by lienholders, but valuable for SR-22 drivers to prevent total loss from causing a coverage lapse that resets the 3-year clock.
Uninsured/Underinsured Motorist Coverage
Protects you if hit by an uninsured or underinsured driver. Utah requires insurers to offer this coverage at your liability limits unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident regardless of who caused it. Required by lienholders and critical for high-risk drivers to avoid coverage lapses during SR-22 periods.
