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Utah SR-22 & High-Risk Auto Insurance

Utah requires SR-22 filing for DUI convictions, reckless driving, uninsured accidents, and license suspensions. The filing requirement lasts 3 years and costs $15–$35, but high-risk premiums average $2,400–$4,800 annually depending on violation type. Most standard point violations do not require SR-22 — drivers with speeding tickets or minor at-fault accidents face higher rates but can recover coverage through non-standard carriers.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Utah requires minimum liability coverage of $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 for property damage (25/65/15). 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.

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25/65/15
Liability Insurance
Utah's minimum liability limits are $25,000 per person and $65,000 per accident for bodily injury, plus $15,000 for property damage. High-risk drivers with violations often benefit from higher limits — 50/100/50 or 100/300/100 — because a second at-fault accident with minimum coverage can lead to personal liability exposure and further license complications. Utah courts can suspend licenses for failure to pay judgment debts from accidents, making adequate liability coverage essential for drivers already managing points or violations.
Must meet state minimums
SR-22 Insurance
SR-22 is not a separate insurance policy but a certificate of financial responsibility that your carrier files with the Utah Driver License Division. Required for DUI, reckless driving, accumulating excessive points, driving uninsured, and certain license suspensions. The SR-22 filing itself costs $15–$35, but the underlying high-risk auto policy typically runs $2,400–$4,800 annually. Not all carriers offer SR-22 filing — drivers often need non-standard insurers like The General, Direct Auto, or regional carriers operating in Utah.
State minimum + comprehensive + collision
Full Coverage
Full coverage combines liability, collision, and comprehensive insurance. High-risk drivers with financed or leased vehicles must carry full coverage per lender requirements, even with violations on record. Premiums for full coverage with a DUI or reckless driving conviction can exceed $5,000–$7,000 annually in Utah. Carriers may impose higher deductibles or exclude certain coverages for drivers with multiple at-fault accidents.
Not required but strongly recommended
Uninsured Motorist Coverage
Utah does not mandate uninsured motorist (UM) coverage, but carriers must offer it. Approximately 8–10% of Utah drivers operate without insurance. For high-risk drivers already paying elevated premiums, adding UM coverage for $10–$25 per month provides protection if hit by an uninsured driver — especially important since another accident could push a driver with existing points over the 200-point suspension threshold.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in insuring drivers with violations, accidents, lapses, or SR-22 requirements that standard carriers decline. In Utah, non-standard policies typically cost 40–150% more than standard rates depending on violation severity. These carriers offer flexible payment plans and accept drivers with multiple points, recent DUIs, or suspended licenses seeking reinstatement. Rate recovery begins after violations age off the driving record — typically 3 years for most moving violations in Utah.
State-Mandated Minimum Coverage · Utah

Utah Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$65,000
Property Damage$25,000

License Reinstatement Fee$40

Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.

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Cost Overview

High-risk auto insurance premiums in Utah vary based on violation type, driving history, and carrier. Drivers with DUI convictions or reckless driving citations pay the highest rates — typically $2,400–$4,800 annually for minimum coverage with SR-22 filing. Drivers with standard point violations like speeding tickets or single at-fault accidents without SR-22 requirements face increases of 20–60% over standard rates, averaging $1,400–$2,200 annually. Rates begin to decline as violations age beyond 3 years and points drop off the driving record.

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
  • SR-22 filing requirement — adds $15–$35 filing cost plus restricts you to non-standard carriers with higher base rates
  • Carrier specialization — non-standard insurers accept high-risk profiles but charge 40–150% more than standard market rates
  • Coverage level — adding collision and comprehensive to an SR-22 policy can double total annual premiums
Minimum Liability
$200–$400/mo
State-required 25/65/15 liability coverage for drivers with SR-22 requirements, DUI convictions, or multiple violations. Non-standard carriers specializing in high-risk profiles.
Standard Liability
$120–$180/mo
Minimum liability coverage for drivers with 1–2 speeding tickets, minor at-fault accidents, or point violations not requiring SR-22. Rates recover as violations age off after 3 years.
Full Coverage
$250–$600/mo
Liability, collision, and comprehensive for high-risk drivers with financed vehicles. Rates depend on violation severity, vehicle value, and deductible selection. Multiple at-fault accidents can push premiums above $8,000 annually.

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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.

Find Your City in Utah

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Salt Lake City

urban
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Frequently Asked Questions

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