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Utah SR-22 & High-Risk Auto Insurance

Utah requires SR-22 filing for DUI convictions, license suspensions, and at-fault uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35, but high-risk premiums average $2,400–$4,800 annually depending on violation type and carrier.

Utah cityscape and street view

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 for bodily injury, and $15,000 for property damage. The state also mandates $3,000 in personal injury protection (PIP). Drivers convicted of DUI, suspended for accumulating 200 points in 3 years, or involved in an at-fault accident without insurance must file SR-22 with the Utah Driver License Division. The SR-22 requirement typically lasts 3 years from the date of conviction or reinstatement.

How Much Does Car Insurance Cost in Utah?

High-risk auto insurance in Utah typically costs $2,400–$4,800 annually ($200–$400/mo) for drivers with SR-22 requirements, compared to $800–$1,400/year for clean-record drivers. Rates depend heavily on violation type — a DUI conviction can triple premiums, while a license suspension for points may increase rates by 60–90%. Non-standard carriers like The General, Direct Auto, and Acceptance dominate the high-risk market in Utah and often offer monthly payment plans without large down payments.

State Minimum (Liability Only)
Covers Utah's 25/65/15 liability requirement plus $3,000 PIP and SR-22 filing. This is the floor for drivers with DUI or suspension — premiums reflect the violation surcharge and non-standard carrier risk pricing.
Standard High-Risk Coverage
Increases liability to 50/100/25, adds UM/UIM at matching limits, and raises PIP to $10,000. This tier is common for drivers who need SR-22 but want to reduce out-of-pocket exposure after another incident.
Full Coverage (High-Risk)
Adds comprehensive and collision to the standard high-risk package. Required if you're financing a vehicle, and often the only way to protect a newer car's value while meeting SR-22 obligations.

What Affects Your Rate

  • Violation type: DUI convictions carry higher surcharges than point-based suspensions or at-fault accidents
  • SR-22 filing status: the 3-year requirement adds administrative cost and limits carrier options
  • Points on license: Utah assesses 35–80 points per violation, and carriers price based on total point accumulation
  • Age and gender: young male drivers with violations face the steepest rate increases in the non-standard market
  • County and ZIP code: Salt Lake County and urban areas see higher theft and accident rates, increasing comprehensive and collision premiums
  • Credit history: Utah allows credit-based insurance scoring, and high-risk drivers with poor credit pay 20–40% more than those with good credit

Compare Auto Insurance Rates in Utah

Find Your City in Utah

Salt Lake City, Utah cityscape and street view

Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
West Jordan, Utah cityscape and street view

West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
American flag flying over small town with snow-capped mountains in background and autumn trees below

Sandy

suburban
Desert landscape with red sandstone formations and layered cliffs under blue sky

St. George

urban
Snow-capped mountains behind a reflective salt flat under dramatic cloudy sky in desert landscape

Ogden

urban
Aerial view of white Mormon temple with twin spires at sunset, surrounded by parking lots and residential area

Layton

suburban

Sources

  • Utah Driver License Division – Financial Responsibility and SR-22 Requirements
  • Utah Department of Insurance – Minimum Coverage Standards
  • Utah Code § 41-12a-303.4 – Proof of Owner's or Operator's Security
  • Utah Administrative Code R708-41 – Driver License Suspension and Point System

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