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Utah DUI or Violation: What Happens to Your Insurance

Utah requires 30/65/25 liability coverage and is a no-fault state.

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Utah 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

Most Utah drivers with a DUI, serious violation, or suspension discover their current insurer will not cancel immediately—they will non-renew at the end of the policy term, giving you weeks or months to find replacement coverage. Utah typically requires you to carry SR-22 filing for three years after certain offenses, proving you maintain continuous liability coverage at state minimums or higher. You cannot get SR-22 from every carrier—only insurers that write non-standard or high-risk policies offer this filing, which means you'll be shopping in a different market than standard drivers.

SR-22 Filing

SR-22 is not a type of insurance—it is a certificate your insurer files with the state proving you carry the required minimum coverage. Not all carriers offer it.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies often come with higher premiums, limited payment plan options, and stricter underwriting requirements than standard policies.

Liability Insurance

If you're required to carry SR-22, you must maintain at least these minimums continuously—any lapse restarts your filing period and may result in license suspension.

High-Risk Auto Insurance

High-risk auto insurance covers drivers classified as higher risk due to violations, DUIs, at-fault accidents, or lapses. Carriers price these policies based on the severity and recency of your violation, your age, vehicle type, and coverage limits you select. Rates typically decrease after 3-5 years if you maintain a clean record.

Collision Coverage

Collision coverage is not required by the state, but if you lease or finance your vehicle, your lender will require it. Some high-risk carriers limit collision availability or impose higher deductibles for drivers with recent violations.

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

  • Time since violation—rates begin to decrease after 3 years with no new incidents, normalize significantly after 5 years
  • Age and gender—young male drivers with violations face compounded risk pricing from both demographics and violation history
  • Vehicle type—newer, high-value vehicles cost more to insure in the non-standard market due to collision and comprehensive exposure
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, serious violations, at-fault accidents, or license suspensions. Carriers in this market specialize in profiles standard insurers decline or non-renew.

SR-22 Insurance

Not a separate insurance product—SR-22 is a state filing added to your existing auto policy proving you carry required coverage. Only available from carriers that write high-risk or non-standard policies.

Non-Standard Auto Insurance

Policies sold by carriers that accept drivers declined or non-renewed by standard insurers. Often feature higher premiums, limited discounts, and stricter underwriting than standard market policies.

Liability Insurance

Covers damage you cause to others in an at-fault accident. If you're required to carry SR-22, you must maintain at least state minimum liability limits without any lapse in coverage.

Find Your City in Utah

Salt Lake City

urban

West Valley City

suburban

West Jordan

suburban

Provo

suburban

Sandy

suburban

St. George

urban

Ogden

urban

Layton

suburban