Minimum Coverage Requirements in Utah
Utah requires minimum liability coverage of 25/65/15: $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 for property damage. 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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.
Get your Utah quoteHow Much Does Car Insurance Cost in Utah?
High-risk insurance premiums in Utah are driven by violation type, time since the incident, and carrier appetite for non-standard risk. DUI convictions typically generate the highest rate increases—often 150–250% above standard rates—while at-fault accidents and lapses may increase premiums by 40–100%. Non-standard carriers dominate the SR-22 market in Utah, and rates typically decrease as violations age beyond 3–5 years.
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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
