Utah SR-22 & High-Risk Auto Insurance
Utah requires 30/65/25 liability coverage and is a no-fault state.
Find Carriers That Accept PointsUtah 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
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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
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
- 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
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage 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.