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
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
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.
