Updated March 2026
State Requirements
Utah requires minimum liability coverage of $25,000 per person and $65,000 per accident for bodily injury, plus $15,000 for property damage. The state also mandates $3,000 in personal injury protection (PIP) for medical expenses regardless of fault. Drivers convicted of DUI, driving without insurance, or accumulating excessive points trigger SR-22 filing requirements through the Utah Driver License Division. Once an SR-22 is required, your insurer must notify the state electronically and maintain continuous certification for the full required period.
Cost Overview
High-risk auto insurance in Utah costs significantly more than standard coverage due to violation surcharges, non-standard carrier underwriting, and SR-22 filing requirements. Premiums vary based on violation type, time since offense, age, vehicle, and whether you've maintained continuous coverage. DUI convictions typically result in the highest rate increases, while point accumulations and uninsured accidents carry moderate surcharges that decrease annually as violations age off your record.
What Affects Your Rate
- DUI convictions increase premiums 180–280% for 10 years in Utah
- Time since violation—rates drop 10–15% annually as offenses age beyond 3 years
- Continuous coverage history—even a 30-day lapse adds 15–25% to high-risk premiums
- Vehicle value and type—older vehicles with liability-only coverage cost less to insure on SR-22
- Age and gender—drivers under 25 with SR-22 pay 20–40% more than those over 25
- Credit score (where permitted)—non-standard carriers may weigh violations more heavily than credit
Compare Auto Insurance Rates in Utah
Coverage Options
Find Your City in Utah
Frequently Asked Questions
Sources
- Utah Driver License Division – SR-22 Requirements and Filing Procedures
- Utah Insurance Department – Minimum Coverage and Financial Responsibility Laws
- Utah Code Ann. § 31A-22-303 – Motor Vehicle Insurance Coverage Requirements