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.
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 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
Pays for injuries and property damage you cause to others in an at-fault accident. Utah requires 25/65/15, but this limit can be exhausted quickly in a multi-vehicle crash or serious injury accident.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Protects your own vehicle from accidents, theft, vandalism, weather, and animal strikes.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, DUIs, or SR-22 requirements. Non-standard carriers accept higher risk and charge accordingly, but they offer flexible payment plans and same-day SR-22 filing.
SR-22 Insurance
A certificate filed by your insurer with the Utah Driver License Division proving you carry continuous coverage. Any lapse triggers automatic license suspension and restarts your 3-year requirement.
Uninsured/Underinsured Motorist Coverage
Covers your medical bills, lost wages, and vehicle damage if you're hit by a driver without insurance or with insufficient coverage. Utah law requires insurers to offer it at the same limits as your liability policy.
Personal Injury Protection (PIP)
Pays your medical expenses and lost wages after an accident regardless of fault. Utah requires a minimum of $3,000, but you can increase it to $10,000 or more.
