Utah SR-22 & High-Risk Auto Insurance
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
State Requirements
Drivers with DUI convictions, reckless driving citations, uninsured accidents, or license suspensions must file SR-22 with the Utah Driver License Division for 3 years. Utah uses a point system where accumulating 200 points within 3 years triggers suspension — most moving violations add 35–80 points. SR-22 is not required for standard speeding tickets or single at-fault accidents unless they result in license suspension.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$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 and severity — DUI, reckless driving, and uninsured accidents carry the highest rate penalties in Utah
- Number of points on driving record — accumulating 150+ points signals imminent suspension risk to carriers
- Time since violation — most moving violations affect rates for 3 years in Utah before falling off
- Coverage level — adding collision and comprehensive to an SR-22 policy can double total annual premiums
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in Utah?
SR-22 filing is required for 3 years in Utah from the date of conviction or license reinstatement. The requirement appears on your driving record during this period, and your insurance carrier must maintain continuous SR-22 filing with the Driver License Division. After 3 years of continuous coverage with no lapses, the SR-22 requirement expires and you can switch to a standard policy.
How many points suspend your license in Utah?
Accumulating 200 or more points within a 3-year period triggers automatic license suspension in Utah. Most speeding tickets add 35–50 points, reckless driving adds 80 points, and at-fault accidents add 50 points. Points remain on your record for 3 years from the violation date — you can check your current point total through the Utah Driver License Division.
What happens if my SR-22 insurance lapses in Utah?
If your SR-22 coverage lapses for any reason — missed payment, cancellation, or switching carriers without continuous SR-22 — the Utah Driver License Division immediately suspends your license and restarts the 3-year SR-22 requirement from the beginning. You must pay a reinstatement fee, file new SR-22, and maintain continuous coverage for another full 3 years. Your carrier is required to notify the state within 15 days of any lapse.
How long do points stay on your driving record in Utah?
Points from moving violations remain on your Utah driving record for 3 years from the date of the violation. After 3 years, the points drop off automatically and no longer count toward the 200-point suspension threshold. However, the underlying conviction may remain on your record for longer and continue to affect insurance rates — most carriers look back 3–5 years for rating purposes.
Coverage Types
Liability Insurance
Required coverage for bodily injury and property damage you cause to others. Utah minimums are 25/65/15, but high-risk drivers often need higher limits to avoid personal liability exposure after a second accident.
SR-22 Insurance
Certificate of financial responsibility filed with Utah Driver License Division for DUI, reckless driving, or uninsured operation. Required for 3 years with no lapses allowed.
Full Coverage
Liability, collision, and comprehensive bundled together. Required by lenders for financed vehicles, even for drivers with violations or SR-22 requirements.
Non-Standard Auto Insurance
Policies from carriers specializing in drivers with violations, accidents, lapses, or SR-22 needs. Higher premiums but accept profiles that standard carriers decline.
Uninsured Motorist Coverage
Optional coverage that pays for injuries and damages if you're hit by an uninsured driver. Utah does not require UM but approximately 8–10% of drivers operate without insurance.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders for financed or leased vehicles.