Auto Insurance — Utah
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
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Utah operates under a no-fault system with mandatory personal injury protection (PIP) coverage. All drivers must carry proof of financial responsibility, and suspended drivers must maintain continuous coverage to satisfy Utah Driver License Division reinstatement conditions. SR-22 filing is required for DUI convictions, excessive points, and certain at-fault accidents without insurance.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Insurance
Non-Owner SR-22
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
- Maintaining continuous coverage during suspension prevents the three-year SR-22 clock from restarting at reinstatement.
Compare Utah Rates for Drivers With a DUI
Get My Utah DUI Insurance QuoteIf 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
Frequently Asked Questions
How long does SR-22 filing last in Utah?
Three years from the date of reinstatement, not the conviction date. If your license is suspended for six months after a DUI and you delay reinstatement by another year, the SR-22 requirement begins when you reinstate and runs three full years forward. Any policy lapse during those three years restarts the clock.
Can I get a hardship license in Utah while suspended?
No. Utah does not offer restricted, hardship, or occupational licenses during DUI suspensions. You must serve the full suspension period before applying for reinstatement. The only exception is ignition interlock-restricted licenses for second or subsequent DUI offenses, which allow driving only in vehicles equipped with an interlock device.
Do I need SR-22 to reinstate my license in Utah?
It depends on your suspension cause. DUI, reckless driving, accumulating 200 points in three years, and at-fault accidents without insurance all require SR-22. Suspensions for unpaid tickets, child support arrears, or medical disqualification typically do not require SR-22 unless insurance lapse contributed to the suspension. Contact the Utah Driver License Division at 801-965-4437 to confirm your specific reinstatement requirements.
Coverage Types
SR-22 Insurance
Certificate filed by your carrier proving you maintain minimum liability coverage. Required for three years after DUI, reckless driving, or uninsured accidents.
Non-Owner SR-22
Liability coverage and SR-22 filing for suspended drivers who do not own a vehicle. Covers you when driving borrowed or rental cars during and after suspension.
Liability Insurance
Pays damage you cause to others in an at-fault accident. Utah requires 25/50/15 minimum, but one hospitalization exceeds the per-person limit.
Uninsured Motorist Coverage
Covers your injuries when hit by a driver with no insurance. Utah requires it unless you reject it in writing at policy inception.
Non-Standard Auto Insurance
Coverage for high-risk drivers including those with DUI convictions, suspended licenses, or excessive points. Higher premiums but accepts drivers standard carriers decline.