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, and $15,000 for property damage. The Utah Driver License Division mandates SR-22 filing for DUI convictions, license suspensions for points or at-fault uninsured accidents, and certain repeat violations. For drivers who have completed their SR-22 requirement, these minimums remain the legal floor, but post-SR22 rate shopping often reveals that slightly higher limits cost only $10–$20/mo more and provide better protection during the recovery period.
How Much Does Car Insurance Cost in Utah?
Post-SR22 insurance rates in Utah depend heavily on the original violation, how long ago your SR-22 requirement ended, and how aggressively you shop. Drivers who completed SR-22 for a DUI typically pay $180–$320/mo in the first year after filing ends, while those whose SR-22 stemmed from a lapse or suspension may see $140–$240/mo. Rates drop 20–40% in the first 12 months post-SR22 with a clean record, and most drivers reach near-standard rates 3–5 years after the violation date.
What Affects Your Rate
- Time since SR-22 requirement ended: rates drop most sharply in months 6–18 after filing ends
- Original violation type: DUI typically affects rates 5+ years; lapses and suspensions fade faster
- Carrier appetite: some insurers re-rate post-SR22 drivers to standard tiers at 12 months, others wait 36 months
- Utah county: urban areas like Salt Lake and Utah counties see higher base rates due to density and claim frequency
- Age and vehicle value: older drivers with paid-off vehicles often qualify for deeper post-SR22 discounts
- Credit score: in Utah, credit-based insurance scores significantly affect rates for post-SR22 drivers once out of non-standard tiers
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Utah's 25/65/15 minimums are the legal floor, but 50/100/25 or 100/300/50 offers better protection for post-SR22 drivers at minimal additional cost.
Full Coverage
Combines comprehensive and collision with liability. Required by lenders and recommended if your vehicle is worth more than $5,000 or you can't afford out-of-pocket replacement costs.
Uninsured Motorist Coverage
Pays for your injuries if you're hit by a driver with no insurance or insufficient coverage. Utah requires UM at the same limits as your liability unless you reject it in writing.
Comprehensive Coverage
Covers damage from theft, vandalism, weather, fire, and animal strikes—anything other than a collision. Typically purchased with collision as part of full coverage.
SR-22 Insurance
SR-22 is a state-mandated filing proving you carry at least minimum liability coverage. It's not a separate policy—your insurer adds the filing to your existing policy and submits it electronically to the Utah Driver License Division.
Non-Standard Auto Insurance
High-risk insurance sold by specialty carriers to drivers with DUIs, suspensions, SR-22 requirements, or major violations. Premiums are higher but coverage is often similar to standard policies.
