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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.
Get your Utah quoteCost 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
Get SR-22 insurance quotes — most carriers file the same day
Compare rates from carriers that write SR-22 policies in your state. Coverage can start today.
Get Your Free QuoteCoverage 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.
