Utah SR-22 Insurance After DUI & Violations
Utah requires 30/65/25 liability coverage and is a no-fault state.
Find Affordable Coverage 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
Drivers with DUIs, at-fault accidents while uninsured, license suspensions for points, or repeat violations typically must file SR-22 proof of financial responsibility with the Utah Driver License Division for 3 years. Failing to maintain continuous coverage during the SR-22 period triggers immediate license suspension and restarts the filing clock. As you complete your requirement, understand that the SR-22 itself stays on your driving record for the full 3 years even after the filing ends, but violations that triggered it may remain visible for up to 10 years.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Comprehensive and 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
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage 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 bodily injury and property damage you cause to others. Utah's 25/65/15 minimums are among the lowest in the West and insufficient for most multi-vehicle accidents. Post-SR22 drivers should raise to 100/300/50 to protect assets and demonstrate responsibility.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver causes your accident. Utah requires insurers to offer UM/UIM but allows you to reject it in writing. Approximately 11% of Utah drivers have no insurance.
Full Coverage Insurance
Bundles liability, collision, comprehensive, and often UM/UIM into one policy. Required by lenders but optional once your vehicle is paid off. Covers both your liability to others and physical damage to your own vehicle from accidents, theft, weather, and vandalism.
SR-22 Insurance
SR-22 is a certificate, not a policy type. Your insurer files it electronically with the Utah Driver License Division to prove you carry minimum coverage. It costs $15–$35 to file and requires continuous coverage for typically 3 years—any lapse restarts the clock and suspends your license immediately.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, hail, flood, fire, and animal strikes. Optional unless financing, and many post-SR22 drivers with older vehicles drop it to save $30–$60/mo once loan requirements end.
Non-Standard Auto Insurance
Specialty coverage for drivers with violations, suspensions, or lapses who don't qualify for standard insurance. Non-standard carriers specialize in SR-22 filings and high-risk profiles but rarely lower rates automatically once your filing ends—you must shop out to see savings.