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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.
Get your Utah quoteHow 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
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
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.
