Utah SR-22 & High-Risk Auto Insurance After Violations
Utah requires 30/65/25 liability coverage and is a no-fault state.
Find Coverage with Points on Your LicenseUtah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
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.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
SR-22 Insurance
Non-Standard Auto Insurance
What Drivers Pay in Utah
$243–$272/mo
Typical monthly rate in Utah, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Utah requires 25/65/15 minimums, but a serious at-fault accident can easily exceed these limits, leaving you personally liable for the difference.
Full Coverage
Bundles liability, collision, comprehensive, and typically uninsured motorist coverage. Required by lenders for financed or leased vehicles and provides the broadest protection for your vehicle and liability exposure.
Non-Standard Auto Insurance
Specialized coverage from carriers that accept drivers with violations, DUIs, lapses, or SR-22 requirements. Rates are higher than standard market, but this is often the only option for drivers declined by traditional insurers.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you carry minimum liability coverage. It is required after DUI, suspensions, or uninsured accidents and must remain active for 3 years in Utah.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you are hit by a driver without insurance or with insufficient coverage. Utah requires insurers to offer it, but you can reject it in writing.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or collision with an object, regardless of fault. Required by lenders for financed vehicles and subject to a deductible you choose.