Updated March 2026
State Requirements
Utah requires minimum liability coverage of 25/65/15: $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 for property damage. The state mandates SR-22 filing for drivers with DUI convictions, driving without insurance citations, excessive points, license suspensions, or at-fault accidents while uninsured. Drivers with high-risk violations often need higher limits than state minimums to satisfy non-standard carriers or meet reinstatement conditions after a major suspension.
Cost Overview
High-risk auto insurance in Utah costs significantly more than standard coverage due to violation type, driving history, and the limited number of carriers willing to write SR-22 policies. DUI convictions typically triple premiums, while multiple at-fault accidents or a lapse in coverage can double rates. Utah's rate increase duration varies by insurer, but most surcharges remain for 3–5 years after the violation date.
What Affects Your Rate
- Violation type: DUI surcharges in Utah average 200–300% over standard rates; reckless driving or excessive speeding adds 50–100%
- SR-22 duration: rates remain elevated for the full 3-year filing period and typically drop 15–30% once SR-22 is removed
- Driving record points: Utah uses a point system, and accumulating 200+ points triggers SR-22 and higher premiums
- Coverage lapse length: gaps under 30 days add 20–40% to premiums; lapses over 90 days often require non-standard market placement
- Age and experience: drivers under 25 with SR-22 requirements face combined surcharges that can exceed $500/month for full coverage
- City and ZIP code: Salt Lake County and Summit County high-risk rates run 10–20% higher than rural areas due to accident frequency and theft rates
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Utah's 25/65/15 minimums are low, and most non-standard carriers require 50/100/25 or higher for SR-22 policies.
SR-22 Filing
Certificate of financial responsibility filed by your insurer to the Utah Driver License Division. Required for 3 years after DUI, uninsured driving, or license suspension.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you are hit by a driver with no insurance. Utah has an estimated 9% uninsured driver rate.
Collision Coverage
Covers damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Covers non-collision damage such as theft, vandalism, weather, or animal strikes. Required by lenders and often bundled with collision.
Non-Standard Auto Insurance
Coverage designed for drivers with DUI, multiple violations, accidents, SR-22 requirements, or coverage lapses. Rates are higher but acceptance criteria are more flexible.
