Updated April 2026
Minimum Coverage Requirements in Utah
Utah mandates 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 convicted of DUI, involved in at-fault accidents without insurance, or caught driving with a suspended license typically face SR-22 filing requirements administered by the Utah Driver License Division. The SR-22 filing period generally runs 3 years from the date of reinstatement, and any lapse in coverage during this period restarts the clock. High-risk drivers often need coverage above state minimums to satisfy both legal requirements and carrier underwriting standards.
How Much Does Car Insurance Cost in Utah?
High-risk auto insurance premiums in Utah are determined by violation type, time since the incident, and the driver's overall claims history. A first-time DUI conviction typically raises rates by 90–130% over standard premiums, while drivers with multiple violations or accidents may face increases of 150–200%. Non-standard carriers dominate the high-risk market in Utah, and premiums decline gradually as drivers maintain clean records and approach the end of their SR-22 filing period.
What Affects Your Rate
- Violation type and severity: DUI convictions carry the highest surcharges, often 90–130% over standard rates
- Time since incident: premiums decline by approximately 10–20% per year as drivers demonstrate clean records during the SR-22 period
- Prior insurance lapse duration: gaps of 30+ days result in higher non-standard market placement and reduced carrier options
- Driver age and location: young drivers under 25 with SR-22 requirements in urban areas like Salt Lake City face premiums at the top of the range
- Claims history during SR-22 period: any at-fault accident or violation while under SR-22 filing restarts the 3-year clock and compounds rate increases
- Credit score: Utah allows credit-based insurance scoring, and high-risk drivers with poor credit may pay 30–50% more than those with good credit
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Sources
- Utah Driver License Division - SR-22 Requirements
- Utah Code § 41-12a (Motor Vehicle Insurance)
- Utah Department of Insurance - Consumer Resources