Updated April 2026
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.
How 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
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Sources
- Utah Driver License Division - SR-22 and Financial Responsibility Requirements
- Utah Department of Insurance - Minimum Auto Insurance Requirements
- Utah Code Ann. § 31A-22-304 - Motor Vehicle Insurance Coverage Requirements