Utah SR-22 Insurance After DUI: Rates & Requirements
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 traditional tort liability system, requiring all drivers to carry proof of financial responsibility. After a DUI conviction, the Utah Driver License Division mandates SR-22 filing to verify continuous liability coverage for 36 months. The filing period begins on your conviction date, not the date you purchase insurance or file SR-22, meaning delays extend your total time under monitoring.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Utah
$364–$384/mo
Typical monthly rate in Utah, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Non-standard market assignment: most post-DUI drivers move to specialist carriers like Dairyland, Bristol West, or GAINSCO because State Farm, Geico, and Allstate typically non-renew at policy term after DUI conviction.
- Filing duration restart: any lapse in coverage during the 3-year period restarts the filing clock from the date you reinstate, extending total time under SR-22 monitoring and increasing cumulative cost.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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 do I need SR-22 insurance in Utah after a DUI?
Utah requires SR-22 filing for 3 years following a DUI conviction, measured from your conviction date, not the date you file SR-22 or reinstate your license. If your insurance lapses at any point during the 3-year period, the Utah Driver License Division restarts the filing clock from the date you reinstate coverage, extending your total time under monitoring.
Does Utah require SR-22 for a first-time DUI?
Yes. Utah requires SR-22 filing for all DUI convictions, including first-offense standard DUI, aggravated DUI, and implied-consent refusals. The Driver License Division mandates filing within 30 days of conviction or reinstatement eligibility, and the 3-year filing period applies regardless of conviction class, though aggravated and repeat offenses may carry longer license suspension periods before reinstatement eligibility begins.
Which insurance companies offer SR-22 in Utah after DUI?
Most mainstream carriers like State Farm, Geico, and Allstate will file SR-22 for existing customers but typically non-renew at policy term. New SR-22 policies after DUI generally require non-standard market carriers including Dairyland, Bristol West, The General, GAINSCO, Direct Auto, and Acceptance, with availability and pricing varying by county and conviction history.
Do I need SR-22 if I move to Utah from another state?
If another state required SR-22 filing after a DUI conviction, that requirement typically transfers when you establish Utah residency and obtain a Utah license. You must notify your current insurer of the address change and verify they file SR-22 with the Utah Driver License Division, or purchase a new Utah policy with SR-22 filing. The filing period continues from your original conviction date—it does not restart when you move.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Utah's required liability minimums for 3 years after DUI conviction. Not a separate policy—it attaches to your liability coverage.
Non-Owner SR-22
Liability-only policy with SR-22 for drivers who do not own a vehicle but need to satisfy Utah's filing requirement to reinstate their license.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Required at 25/65/15 minimums in Utah, but minimums leave significant financial exposure.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when you are hit by a driver with no insurance or insufficient coverage to pay your claim.