Utah SR-22 & Post-Filing Auto Insurance Rates
Utah requires 30/65/25 liability coverage and is a no-fault state.
Compare Rates After SR-22Utah 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
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
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.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
SR-22 Insurance
Collision Coverage
What Drivers Pay in Utah
$177–$384/mo
Typical monthly rate in Utah, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Hardship Limited License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage 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.