Utah SR-22 & High-Risk Auto Insurance
Utah requires 30/65/25 liability coverage and is a no-fault state.
Find SR-22 Coverage NowUtah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$364–$384/mo
Typical monthly rate in Utah, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Vehicle value and type—older vehicles with liability-only coverage cost less to insure on SR-22
- Credit score (where permitted)—non-standard carriers may weigh violations more heavily than credit
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Hardship Limited License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Utah after a DUI?
Utah requires SR-22 filing for 3 years from the date of your DUI conviction or license reinstatement, whichever is later. The 3-year period restarts completely if your insurance lapses at any point during the requirement. Maintaining continuous coverage without interruption is the only way to complete the SR-22 period and regain standard insurance eligibility.
Can I get car insurance in Utah with a suspended license?
Yes, you can purchase non-owner SR-22 insurance in Utah while your license is suspended to satisfy reinstatement requirements. This policy provides liability coverage when you drive someone else's vehicle and proves financial responsibility to the Driver License Division. Once you reinstate your license, you can switch to a standard policy with SR-22 filing if you own a vehicle.
Which insurance companies offer SR-22 in Utah?
Multiple non-standard carriers operate in Utah and file SR-22 certificates, though specific company availability varies by region and violation type. Non-standard insurers specialize in high-risk drivers and offer electronic SR-22 filing with the Driver License Division. Comparing quotes from 3–5 carriers is essential since rates vary significantly based on underwriting guidelines and surcharge structures.
What happens if my SR-22 insurance lapses in Utah?
If your SR-22 policy lapses for any reason, your insurer must notify the Utah Driver License Division within 10 days, triggering immediate license suspension. The 3-year SR-22 requirement period restarts completely from the date you reinstate coverage and file a new certificate. Even a single missed payment can result in suspension and add months or years to your SR-22 obligation.
Do I need SR-22 for reckless driving in Utah?
Utah may require SR-22 filing for reckless driving convictions depending on the circumstances and whether the offense resulted in license suspension or serious injury. The Driver License Division determines SR-22 requirements case-by-case, typically imposing 3-year filing for reckless driving combined with other violations. Check your reinstatement notice or contact the Division directly to confirm your specific SR-22 obligation.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an at-fault accident. Utah's minimum limits are low, and high-risk drivers should consider higher limits to protect assets during SR-22 filing periods.
SR-22 Insurance
A certificate filed by your insurer proving you maintain continuous coverage as required by the state. Not a separate policy, but adds $15–$35 filing fee and significantly increases premiums due to high-risk classification.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient limits to cover your injuries and damages. Utah requires insurers to offer UM/UIM coverage, though you can reject it in writing.
Personal Injury Protection (PIP)
Required no-fault coverage in Utah that pays up to $3,000 for medical expenses and lost wages regardless of who caused the accident. Must remain active throughout SR-22 filing period.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers standard insurers decline. Offers SR-22 filing, flexible payment plans, and coverage for drivers with DUI, multiple violations, or suspended license reinstatements.
Full Coverage Insurance
Combines liability, comprehensive, and collision coverage to protect both your legal responsibility and your vehicle's physical damage. Required by lenders if you finance or lease a car while on SR-22.