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. These minimums apply to all drivers, but high-risk drivers face SR-22 filing requirements after specific violations. The Utah Driver License Division mandates SR-22 for DUI convictions, uninsured accidents, driving without insurance, license suspensions for point accumulation, and multiple at-fault accidents within a 3-year period. Non-standard carriers write policies for drivers who cannot access standard market rates.
Cost Overview
High-risk auto insurance in Utah costs $2,400–$4,800 annually on average, compared to $800–$1,400 for drivers with clean records, based on available industry data. DUI convictions typically increase premiums by 150–250%, while at-fault accidents add 40–70% and SR-22 requirements signal high-risk status that limits carrier options. Rates vary significantly between non-standard carriers, and shopping multiple providers often reveals $500–$1,200 annual savings for identical coverage.
What Affects Your Rate
- Violation type — DUI convictions increase rates 150–250%, while single at-fault accidents add 40–70%
- Time since violation — rates drop 20–30% after 3 years, 40–60% after 5 years as incidents age off driving records
- SR-22 filing requirement — limits carrier options to non-standard market with higher base rates
- Urban vs rural location — Salt Lake County drivers pay 20–35% more than rural Utah due to accident frequency and theft rates
- Vehicle type — older vehicles with liability-only coverage cost significantly less than newer financed vehicles requiring full coverage
- Credit-based insurance score — Utah allows credit factors in rating, which often work against drivers with recent financial stress from violations
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer with Utah proving you maintain minimum liability coverage. Required after DUI, uninsured accidents, suspensions, and multiple violations to reinstate driving privileges.
Liability Insurance
Covers injuries and property damage you cause to others in at-fault accidents. Utah's $25,000/$65,000/$15,000 minimums are legally required but rarely sufficient for serious accidents.
Uninsured Motorist Coverage
Protects you when at-fault drivers lack insurance or sufficient coverage to pay for damages. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Non-Standard Auto Insurance
Specialized carriers that accept high-risk drivers declined by standard companies. Premiums are higher but coverage is immediate without lengthy underwriting delays.
Personal Injury Protection
Utah-required coverage paying medical bills and lost wages for you and passengers regardless of fault. Minimum $3,000 limit covers immediate expenses after accidents.
Collision Coverage
Pays to repair or replace your vehicle after at-fault accidents regardless of who caused the crash. Required by lenders for financed vehicles but optional if you own your car outright.
