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.
Utah's minimum liability limits are among the lowest nationwide and may be insufficient if you cause serious injuries or property damage. Non-standard carriers often require higher limits — such as 50/100/25 or 100/300/100 — especially for DUI or multiple-violation drivers. Carrying only state minimums can expose you to personal liability in a lawsuit, and many SR-22 insurers in Utah will not write policies below 50/100/25.
SR-22 is a certificate your insurer files with the Utah Driver License Division proving you carry continuous coverage. It is not a separate policy but an endorsement added to your existing liability insurance. Utah requires SR-22 for DUI, driving without insurance, accumulating excessive points, or uninsured at-fault accidents, and the filing must remain active for 3 years without lapse.
Utah law does not mandate uninsured motorist (UM) coverage, but insurers must offer it and you must reject it in writing. Approximately 9% of Utah drivers are uninsured, which means a high-risk driver already facing elevated premiums could be left paying out-of-pocket if hit by an uninsured driver. Many non-standard carriers bundle UM into SR-22 policies to reduce their own risk exposure.
Collision coverage pays for damage to your vehicle after an accident, regardless of fault. If you have a car loan or lease, collision is mandatory, and skipping it can result in forced-place insurance at much higher cost. High-risk drivers often face higher collision deductibles — $1,000 to $2,500 — to keep premiums manageable after a DUI or at-fault accident.
Comprehensive coverage protects your vehicle from non-collision events such as theft, vandalism, hail, or animal strikes. Utah's high rural population and winter weather increase comprehensive claims, and many non-standard carriers require it alongside collision if the vehicle is financed. Bundling comprehensive with collision can sometimes reduce the total premium for high-risk drivers compared to carrying collision alone.
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.
Liability-only coverage at 25/65/15 limits with SR-22 filing. Available through non-standard carriers for drivers with a single DUI, minor at-fault accident, or lapse under 90 days.
Liability at 50/100/50 or higher, plus uninsured motorist coverage and SR-22 filing. Typical for DUI drivers, multiple violations, or at-fault accidents with injury claims.
Comprehensive and collision added to liability and SR-22 filing, often required for financed vehicles. Rates reflect DUI plus at-fault accident, suspended license, or multiple lapses within 3 years.
- 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
Estimates based on available industry data for high-risk driver profiles and may not reflect current market conditions. Individual rates vary based on violation type, driving history, vehicle, and other factors.
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
Compare Auto Insurance Rates in Utah
Coverage Options
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.
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.
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.
Covers damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease your vehicle.
Covers non-collision damage such as theft, vandalism, weather, or animal strikes. Required by lenders and often bundled with collision.
Coverage designed for drivers with DUI, multiple violations, accidents, SR-22 requirements, or coverage lapses. Rates are higher but acceptance criteria are more flexible.
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Frequently Asked Questions
Sources
- Utah Driver License Division — SR-22 requirements and reinstatement procedures
- Utah Department of Insurance — minimum liability limits and certificate of financial responsibility rules
- Utah Code § 41-12a-301 — financial responsibility and proof of insurance statutes