Updated March 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.
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
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Frequently Asked Questions
Sources
- Utah Driver License Division — SR-22 Requirements and Filing Procedures
- Utah Department of Public Safety — Point System and Suspension Thresholds
- Utah Insurance Department — Financial Responsibility and Minimum Coverage Requirements