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
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
Certificate filed by your insurer proving continuous coverage to the Utah Driver License Division. Required for 3 years after DUI, reckless driving, or uninsured accidents. Not a separate policy—added to existing liability coverage.
Non-Standard Auto Insurance
Specialized coverage for drivers declined by standard carriers due to DUI, multiple violations, or license suspensions. Offers flexible payment plans and immediate SR-22 filing.
Liability Insurance
Covers injury and property damage you cause to others. Utah minimum is 25/65/15, but high-risk drivers benefit from higher limits to protect assets in future accidents.
Full Coverage
Combines liability, collision, and comprehensive insurance. Repairs or replaces your vehicle regardless of fault. Required by lenders for financed or leased vehicles.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or in hit-and-run accidents. Utah requires UM coverage matching your liability limits (minimum 25/65).
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who was at fault. Subject to your chosen deductible ($500–$1,000 typical).
