Utah Car Insurance After License Reinstatement
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 system—the at-fault driver's liability insurance pays for injuries and damage. The state mandates proof of financial responsibility at all times, and the Utah Driver License Division requires SR-22 filing for most suspensions, including DUI, driving uninsured, points accumulation, and DWLS. Filing must remain active for the full mandated period or your license suspends again immediately.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist
SR-22 Certificate of Financial Responsibility
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
- Filing lapses restart the 3-year clock—if you cancel or miss a payment 18 months into your SR-22 period, the DLD suspends your license and you start a new 3-year filing requirement from the reinstatement date, not the original suspension date.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement 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 after license reinstatement in Utah?
Utah requires 3 years of continuous SR-22 filing for most suspensions, including DUI, driving uninsured, and points-based suspension. The 3-year clock starts on your reinstatement date, not your conviction or suspension date. If your policy lapses or cancels for any reason during the filing period, the Utah Driver License Division suspends your license again within 10 days and you restart a new 3-year filing requirement from the next reinstatement date.
What happens if I move out of Utah during my SR-22 filing period?
You must maintain continuous SR-22 filing with a Utah-licensed carrier until your 3-year requirement ends, even if you move to another state and obtain a new driver's license there. The Utah DLD tracks your filing status regardless of your residence—if the filing lapses, Utah issues a suspension notice that appears on your national driving record and may trigger license issues in your new state. Most carriers can transfer your SR-22 to a new state if that state also requires filing.
Does Utah require in-person reinstatement at the Driver License Division?
It depends on the suspension cause. DUI suspensions, multiple suspensions, and commercial driver reinstatements typically require an in-person DLD visit to verify completion of alcohol treatment, defensive driving courses, or retesting. Single-offense suspensions for uninsured driving or points accumulation can often be processed by mail or online once fees are paid and SR-22 filing is confirmed. The DLD notifies you of the required reinstatement method in your suspension notice.
Coverage Types
SR-22 Insurance After Reinstatement
Electronic filing your carrier submits to the Utah Driver License Division proving continuous coverage. Required for 3 years after DUI, uninsured driving, points suspension, and most DWLS convictions.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Non-Standard Auto Insurance
Specialty carriers that write policies for high-risk drivers, including recently-reinstated drivers with DUI, suspension history, or SR-22 filing requirements. Higher premiums reflect elevated claim risk.
High-Risk Auto Insurance
Broader category covering drivers with multiple violations, at-fault accidents, or stacked suspensions. Underwriting focuses on recent 3-year history rather than lifetime record.
Full Coverage After Reinstatement
Liability plus collision and comprehensive. Required if you finance or lease. Post-reinstatement drivers pay elevated premiums due to violation surcharges applied to all coverages, not just liability.