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 for bodily injury, and $15,000 for property damage. Drivers convicted of DUI, involved in at-fault accidents without insurance, or convicted of reckless driving typically must file SR-22 proof of financial responsibility with the Utah Driver License Division for 3 years. These state minimums often prove insufficient for high-risk drivers facing civil liability after violations, particularly given Utah's above-average medical costs in injury claims.
How Much Does Car Insurance Cost in Utah?
High-risk auto insurance in Utah costs significantly more than standard coverage due to violation surcharges and SR-22 filing requirements. Drivers with DUI convictions typically pay $200–$400/mo, while those with multiple violations or at-fault accidents without insurance may see rates of $250–$450/mo. Utah's below-average uninsured motorist rate (approximately 8%) helps keep base rates moderate, but high-risk surcharges still add 80–250% to premiums depending on violation type.
What Affects Your Rate
- Violation type: DUI convictions add 100–200% to premiums, while single speeding tickets add 15–30%
- SR-22 requirement duration: rates remain elevated throughout the 3-year filing period
- Time since violation: premiums typically decrease 10–15% annually if no new violations occur
- Prior insurance lapse: gaps in coverage add 30–60% to high-risk premiums in Utah
- Location: Salt Lake County rates run 10–15% higher than rural counties due to accident frequency
- Credit score impact: Utah allows credit-based insurance scoring, significantly affecting high-risk rates
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Sources
- Utah Driver License Division — SR-22 Financial Responsibility Requirements
- Utah Department of Insurance — Minimum Auto Insurance Coverage Standards
- Utah Code Ann. § 41-12a-301 — Motor Vehicle Financial Responsibility