Updated May 2026
Minimum Coverage Requirements in Utah
Utah operates under a traditional fault-based liability system and requires all drivers to carry proof of insurance. The Utah Driver License Division administers hardship license programs for DUI offenders, requiring SR-22 filing verification before any limited driving privilege is granted. Utah code 41-12a-402 mandates continuous SR-22 coverage for three years following most DUI convictions.
How Much Does Car Insurance Cost in Utah?
SR-22 filing after a DUI conviction in Utah increases premiums by 60-90% over standard rates on average. A driver who paid $95/month before a DUI typically pays $160-$210/month after SR-22 filing, with total first-year costs including IID installation, monitoring, SR-22 fees, and increased premiums often reaching $4,500-$6,200.
What Affects Your Rate
- BAC at arrest — Utah imposes mandatory IID for BAC .16 or higher, adding $75-$150 monthly IID monitoring cost on top of insurance premiums
- Time since conviction — carriers in Utah begin reducing DUI surcharges after 3 years but the conviction remains ratable for 10 years
- Age and driving history — drivers under 25 with a DUI often pay 40-50% more than drivers over 30 with otherwise clean records
- Vehicle value — full coverage on a newer vehicle adds $60-$110/month compared to liability-only on an older paid-off car
- Zip code — Salt Lake County urban zip codes average 15-20% higher premiums than rural Utah counties due to accident frequency and theft rates
- Carrier — specialist high-risk carriers writing DUI policies in Utah include The General, Bristol West, Acceptance, and National General, with rate spreads between carriers often exceeding $50/month for identical coverage
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Get Your Free QuoteCoverage Types
SR-22 Insurance
SR-22 is a certificate proving you carry liability insurance, filed directly by your carrier with the Utah Driver License Division. Required for three years after most DUI convictions.
Non-Owner SR-22
Non-owner SR-22 satisfies Utah's filing requirement when you don't own a vehicle. Covers you when driving borrowed or rented vehicles.
Ignition Interlock Insurance
Insurance coverage for vehicles equipped with court-ordered ignition interlock devices. Required endorsement language on your policy.
Hardship License Insurance
Insurance meeting state requirements for restricted driving privileges during a DUI suspension. Must include SR-22 filing and proof of continuous coverage.
High-Risk Auto Insurance
Policies written by carriers specializing in drivers with DUI convictions, major violations, or suspended licenses. Higher premiums but willing to write coverage standard carriers reject.
Find Your City in Utah
Sources
- Utah Driver License Division — Limited Driver License eligibility requirements
- Utah Code 41-12a-402 — SR-22 filing requirements and duration
- Utah Department of Public Safety — Ignition Interlock Device program rules