Updated April 2026
Minimum Coverage Requirements in Utah
Utah requires minimum liability coverage of 25/65/15 — $25,000 per person for bodily injury, $65,000 per accident, and $15,000 for property damage. The Utah Driver License Division mandates SR-22 filing for DUI convictions, license suspensions following multiple violations, driving without insurance, and uninsured at-fault accidents. Drivers with tickets or at-fault accidents that add points to their license typically do not need SR-22 unless their violations accumulate to the point of suspension, which occurs at 200 points or more within a 3-year period.
How Much Does Car Insurance Cost in Utah?
High-risk auto insurance premiums in Utah are driven by violation type, severity, and recency. Drivers with a single speeding ticket or minor at-fault accident typically see rate increases of 20–50%, while DUI convictions or major violations can increase premiums by 100–250%. SR-22 filing adds $15–$35 to initial costs, but the real expense is the underlying high-risk insurance policy, which averages $200–$400/mo depending on coverage level and driving history.
What Affects Your Rate
- Violation type and severity — DUI convictions and reckless driving carry the highest rate increases, often 100–250%, while single speeding tickets or minor at-fault accidents increase rates by 20–50%
- SR-22 filing requirement — the filing itself costs $15–$35, but signals high-risk status to carriers and often limits you to non-standard insurers with higher base rates
- Points on license — Utah uses a point system where violations accumulate over 3 years; accumulating 200+ points triggers suspension and SR-22 requirement, and even point totals below suspension increase premiums
- Time since violation — most violations affect rates for 3–5 years; DUIs typically impact rates for 5–7 years, and the rate increase diminishes gradually as the violation ages
- Coverage level selected — full coverage with collision and comprehensive costs significantly more than liability-only, but lenders require it for financed vehicles
- Carrier type — standard carriers either decline high-risk drivers or charge steep surcharges; non-standard carriers specialize in high-risk profiles but charge higher base rates
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Sources
- Utah Driver License Division – SR-22 Requirements and Reinstatement Procedures
- Utah Code § 41-12a – Motor Vehicle Financial Responsibility Act
- Utah Department of Insurance – Minimum Coverage Requirements