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Utah SR-22 Insurance & High-Risk Auto Coverage

Utah requires 30/65/25 liability coverage and is a no-fault state.

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Utah 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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Utah

Drivers with DUI convictions, multiple at-fault accidents, driving without insurance, or license suspensions typically must file SR-22 proof of insurance with the Utah Driver License Division. The SR-22 requirement typically lasts 3 years from the date of reinstatement, and any lapse in coverage during that period typically restarts the clock.

Liability Insurance

Utah's 25/65/15 minimums are mandatory for all drivers and serve as the foundation for SR-22 filings. High-risk drivers should consider limits of 50/100/50 or higher, as minimum coverage may be insufficient if you cause a serious accident while already carrying violations—exposing you to lawsuits that exceed your policy limits. Carriers writing high-risk policies in Utah typically price based on your violation type, with DUI convictions generating higher premiums than at-fault accidents or lapses.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your carrier files with the Utah Driver License Division to prove continuous coverage. Not all carriers offer SR-22 filing in Utah—non-standard and specialty insurers are typically your primary options after a DUI, suspension, or uninsured accident.

Uninsured Motorist Coverage

Utah requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage matching your liability limits, though you can decline it in writing. For high-risk drivers already paying elevated premiums, UM/UIM adds meaningful protection if you're hit by an at-fault driver with no insurance or insufficient limits. If you're in an SR-22 period due to a prior uninsured accident, UM/UIM ensures you won't face the same financial exposure again.

Full Coverage

Full coverage (liability + collision + comprehensive) is not mandated by Utah but is required by lenders if you finance or lease a vehicle. High-risk drivers with financed vehicles face a compounding cost challenge: elevated liability premiums due to your record, plus collision and comprehensive premiums that reflect your higher statistical risk.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles—DUI convictions, suspended licenses, multiple violations, and SR-22 filings. These insurers typically charge higher premiums than standard carriers but offer coverage when preferred carriers decline you. In Utah, non-standard insurers are often your only option immediately after a DUI or during the first year of your SR-22 period; as violations age, you may become eligible to transition back to standard carriers at lower rates.

What Drivers Pay in Utah

$243–$272/mo

Typical monthly rate in Utah, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type—DUI convictions typically increase rates more than lapses or at-fault accidents
  • Time since violation—rates typically decrease after 3 years and drop significantly after 5 years
  • Prior insurance history—continuous coverage before the violation may reduce rates slightly with some carriers
  • Vehicle type—newer, high-value vehicles increase collision and comprehensive premiums on top of liability surcharges
  • Location within Utah—urban areas like Salt Lake City and Provo typically have higher base rates due to accident frequency and theft risk
  • Carrier specialization—non-standard insurers willing to write SR-22 policies immediately after violations typically charge more than standard carriers writing borderline risks
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Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others in an at-fault accident. Required by Utah law and the foundation of any SR-22 filing.

SR-22 Filing

Certificate filed by your insurer with the Utah Driver License Division proving you carry continuous liability coverage. Required after DUI, suspension, or uninsured accidents.

Non-Standard Auto Insurance

Policies designed for drivers who cannot obtain coverage from standard carriers due to DUI, violations, lapses, or suspensions.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient limits. Utah requires insurers to offer it but allows you to decline in writing.

Full Coverage

Combination of liability, collision, and comprehensive coverage. Required by lenders if you finance or lease a vehicle.

Collision Coverage

Pays for damage to your vehicle in an at-fault accident or collision with an object, regardless of fault.

Find Your City in Utah

Salt Lake City

urban

West Valley City

suburban

West Jordan

suburban

Provo

suburban

Sandy

suburban

St. George

urban

Ogden

urban

Layton

suburban