Utah Auto Insurance for Suspended 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
State Requirements
Utah operates as a modified comparative fault state where drivers are liable for damages they cause.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Cost Overview
$177–$384/mo
Typical monthly rate in Utah, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need SR-22 to reinstate my license in Utah?
SR-22 is required in Utah for DUI reinstatement, reckless driving, driving uninsured after an accident, accumulating 200 points in 3 years, and certain court-ordered suspensions — but not for administrative suspensions like unpaid fines, child support arrears, or failure to appear. Contact the Utah Driver License Division at 801-965-4437 to confirm your specific reinstatement requirements. SR-22 must be maintained for 3 years after DUI reinstatement under Utah Code § 53-3-804.
Do I need insurance if my license is suspended in Utah?
If your reinstatement requires SR-22 filing, you must maintain continuous insurance coverage throughout the entire suspension and for 3 years post-reinstatement — any lapse extends the requirement. If your suspension is administrative (unpaid fines, child support) and does not require SR-22, you are not legally required to carry insurance while suspended, but maintaining a non-owner policy prevents lapse surcharges when you reinstate.
Coverage Types
SR-22 Insurance
A state-mandated filing proving you carry minimum liability coverage, required for 3 years after DUI reinstatement and certain other violations. Your insurer files the SR-22 electronically with the Utah Driver License Division — any lapse triggers immediate re-suspension.
Non-Owner SR-22 Insurance
Liability-only policy for suspended drivers who don't own a vehicle but must maintain SR-22 filing to satisfy reinstatement. Covers you when driving borrowed or rental vehicles and prevents the SR-22 clock from restarting due to lapse.
Liability Insurance
Covers injuries and property damage you cause to others, satisfying Utah's 25/65/15 minimum and most SR-22 reinstatement requirements. Does not repair your own vehicle or cover your injuries — PIP handles that separately.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance or a hit-and-run driver who flees. Utah requires UM/UIM coverage matching your liability limits unless you reject it in writing.
Personal Injury Protection (PIP)
No-fault coverage paying your medical bills, lost wages, and funeral costs up to policy limits regardless of crash fault. Utah mandates $3,000 minimum PIP on every policy unless explicitly waived.
Non-Standard Auto Insurance
High-risk policies for drivers with DUI, suspended license history, multiple violations, or lapsed coverage. Often the only option for reinstating drivers until their SR-22 period ends and record improves.