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. 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
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Coverage Options
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Frequently Asked Questions
Sources
- Utah Driver License Division - SR-22 Requirements
- Utah Insurance Department - Minimum Coverage Standards
- Utah Code § 41-12a-301 - Financial Responsibility