You Cannot Get a Quote Because Most Carriers Exit After DUI Two
You received your second DUI conviction in Utah within the past 36 months and the carrier that insured you after your first conviction just sent a non-renewal notice. You called State Farm, Farmers, and Allstate — all three declined to quote. You're not uninsurable, but you've crossed into a tier where fewer than six carriers in Utah will write your policy, and most drivers don't know which ones still will.
Utah's 0.05% BAC threshold is the lowest in the nation under Utah Code § 41-6a-502. That threshold produces more DUI arrests per capita than states operating at 0.08%, and it increases the probability of a second conviction for drivers who underestimate impairment. The carrier response is predictable: standard and preferred-tier writers exit your risk profile after conviction two. The non-standard tier is where you'll find coverage now.
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Get Your Free QuoteUtah Multiple-DUI Writers
5 carriers
Progressive, GEICO, Bristol West, Dairyland, and The General are the only carriers confirmed to write policies for drivers with two or more DUI convictions in Utah within a 10-year lookback period. State Farm, Farmers, and Allstate all exit after the second conviction.
Carrier underwriting guidelines per NAIC filings and state Department of Insurance licensing records, 2024
Second DUI Moves You Into Non-Standard Tier Permanently
A second DUI conviction within 10 years triggers automatic reclassification to non-standard tier in Utah. Standard-tier carriers — the ones advertising competitive rates on TV — operate underwriting rules that cap DUI exposure at one conviction per driver per decade. Once you cross that threshold, you're not shopping for better rates within the standard market; you're shopping for any rate at all within the non-standard market.
The non-standard market operates differently. Premiums reflect actuarial loss history for repeat-offense drivers. Carriers price for the statistical likelihood of a third conviction, license suspension overlap, and SR-22 filing lapses. That's why quotes for liability-only coverage after a second DUI in Utah typically range from $220 to $380 per month, compared to $85 to $140 per month for clean-record drivers.
Utah requires SR-22 filing for three years following DUI conviction per Utah statute. Your SR-22 clock restarts with each new conviction, which means a second DUI filed in 2025 extends your SR-22 requirement through 2028 even if your first conviction's SR-22 period would have ended in 2026.
Progressive and GEICO both write multiple-DUI policies in Utah, but neither advertises this openly — you must call or submit an online quote request and disclose both convictions to receive an accurate quote.
Which Carriers Write Policies After DUI Two or Three
Progressive writes policies for drivers with two DUI convictions within 10 years and will quote drivers with three convictions on a case-by-case basis. SR-22 filing fee is $25. Progressive's Snapshot telematics program is available to multiple-DUI drivers and can reduce premiums by 10–15% for drivers who demonstrate low-mileage, daytime-only driving patterns. Monthly premiums for liability-only coverage after a second DUI in Utah typically range from $240 to $320.
GEICO writes two-DUI policies but exits after conviction three in most cases. SR-22 filing fee is $15. GEICO's underwriting treats Utah's 0.05% BAC threshold as equivalent to a 0.08% conviction in other states for pricing purposes, which means Utah drivers with marginal BAC readings at or near 0.05% may receive slightly better rates than drivers with higher BAC readings. Bristol West, Dairyland, and The General all write policies for drivers with three or more DUI convictions. Bristol West specializes in high-risk SR-22 filings and operates entirely through independent agents — no online quote option. Dairyland and The General both offer online quotes and will write policies for drivers currently under Limited License restrictions.
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Non-Owner SR-22 Covers You During Suspension or Limited License Periods
If you do not currently own a vehicle — either because you sold it after your second conviction or because your Limited License restricts you to employer-provided vehicles only — you still need an SR-22 filing to satisfy Utah Driver License Division reinstatement requirements. A non-owner SR-22 policy provides liability coverage when you drive a vehicle you do not own and maintains the SR-22 certificate the state requires.
Non-owner policies cost substantially less than standard policies because they exclude collision and comprehensive coverage. Monthly premiums for non-owner SR-22 policies in Utah after a second DUI typically range from $80 to $140. Progressive, GEICO, Dairyland, and The General all write non-owner policies for multiple-DUI drivers. State Farm does not.
The SR-22 certificate itself is not insurance — it is a filing submitted by your carrier to the Utah Driver License Division certifying that you carry at least the state's minimum liability coverage: $25,000 bodily injury per person, $65,000 bodily injury per accident, and $15,000 property damage. If your policy lapses for any reason, the carrier notifies the DLD within 10 days and your license suspension restarts immediately.
Utah Second-DUI Premium Range
$220–$380/mo
Liability-only monthly premiums for drivers with two DUI convictions in Utah range from $220 to $380 depending on county, age, and conviction spacing. Drivers under 25 or with convictions spaced fewer than 24 months apart pay premiums at the higher end of this range.
Industry rate estimates for non-standard tier policies, 2024
Third DUI Conviction Reduces Carrier Pool to Three Names
A third DUI conviction within 10 years moves you into a carrier pool of exactly three: Bristol West, Dairyland, and The General. Progressive exits after conviction three in most cases. GEICO will not quote. Standard-tier carriers will not respond to quote requests.
Monthly premiums after a third DUI in Utah typically exceed $400 for liability-only coverage. Bristol West's agent network specializes in habitual-offender filings and can place policies for drivers with four or more convictions, but premiums reflect actuarial loss rates for drivers in this category. Dairyland offers installment payment plans with zero down payment for drivers who cannot afford the first month's premium upfront, but the installment fee adds 15–20% to the total annual cost.
Compare Non-Standard Carriers Now to Lock Coverage Before Your SR-22 Deadline
Utah requires proof of SR-22 filing before the Driver License Division will process your reinstatement application or issue a Limited License order. If your conviction date was within the past 90 days, you're working against a reinstatement deadline that most drivers miss because they wait to shop for coverage until after their suspension period ends. The carrier you choose now determines whether you'll meet that deadline or restart your suspension clock due to a lapsed filing.
Request quotes from Progressive, GEICO, Bristol West, Dairyland, and The General simultaneously. Provide accurate conviction dates, BAC readings if available, and your current license status — whether you're fully suspended, operating under a Limited License, or approaching reinstatement eligibility. Non-standard carriers price these details differently, and a single omitted conviction or incorrect suspension end date will void the quote when the carrier runs your MVR.