Limited Driving Permit
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Limited Driving Permit Insurance — Utah

Utah requires SR-22 filing with 25/65/15 liability minimums for 3 years after DUI conviction. Average monthly premium for Limited License holders with SR-22 ranges $145–$220, depending on violation severity and driving history.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Utah

Utah operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages. The state requires proof of insurance at registration, traffic stops, and accident scenes. Utah issues Limited Licenses through an administrative DMV process post-DUI, requiring SR-22 filing and typically ignition interlock installation as preconditions for approval.

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$25,000 per person, $65,000 per accident for bodily injury, $15,000 for property damage
Liability Insurance
Liability coverage pays for injuries and property damage you cause to others. Utah's 25/65/15 minimum is higher than most states for bodily injury per accident but covers less than one serious multi-vehicle collision or a single traumatic injury requiring hospitalization. Limited License applicants must maintain continuous coverage without lapses — a single missed payment triggers DMV notification and immediate suspension.
Certificate of Financial Responsibility filed with Utah DMV
SR-22 Insurance
SR-22 is not a coverage type but a filing that proves you carry at least Utah's minimum liability limits. Your insurer files the SR-22 electronically with the Utah Driver License Division within 24 hours of policy activation. If your policy lapses or cancels, the carrier files an SR-26 termination notice and your Limited License is suspended immediately — no grace period exists in Utah's automated monitoring system.
Required at 25/65 unless rejected in writing
Uninsured Motorist Coverage
Utah automatically adds uninsured and underinsured motorist coverage to every policy at the same limits as your liability coverage unless you reject it on a signed form at policy inception. Verbal rejection doesn't count. This coverage protects you when hit by a driver with no insurance or insufficient limits — critical in a state where roughly 1 in 8 drivers carries no coverage despite the SR-22 requirement.
$3,000 minimum
Personal Injury Protection (PIP)
Utah requires $3,000 minimum PIP coverage, which pays your own medical bills and lost wages regardless of fault. The $3,000 minimum covers less than one emergency room visit in most Utah hospitals. Limited License holders often carry higher PIP limits because a second DUI conviction while license-restricted results in felony charges and permanent revocation — medical debt from an accident you cause can't delay treatment or reporting.
Coverage endorsement for interlock-equipped vehicle
Ignition Interlock SR-22
Utah requires ignition interlock installation for most DUI offenders receiving Limited Licenses, typically for 18 months minimum. Your SR-22 policy must include an interlock-restricted driver endorsement showing the carrier knows your vehicle is equipped. If you're caught driving a non-equipped vehicle, your Limited License is revoked and the SR-22 clock resets to zero — the 3-year filing period restarts from the new violation date.
State-Mandated Minimum Coverage · Utah

Utah Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$65,000
Property Damage$25,000

License Reinstatement Fee$40

Meeting the state minimum keeps you legal. See whether it's enough — get your Utah quote.

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How Much Does Car Insurance Cost in Utah?

Utah SR-22 rates for Limited License holders reflect both the underlying DUI violation and the state's strict continuous-coverage monitoring. Carriers price based on violation recency, BAC level at arrest, and whether property damage or injury occurred. Salt Lake County drivers typically pay 15–25% more than rural Utah due to higher accident frequency and theft rates.

What Affects Your Rate

  • First-offense DUI with BAC 0.08–0.15 and no property damage adds 180–220% to base rates for 3 years in Utah
  • BAC above 0.16 or refusal to test triggers high-risk tier pricing, adding 240–280% to base rates and limiting carrier options to 4–6 specialists
  • Salt Lake County ZIP codes (84101–84128) average $35–$50/month higher than rural counties due to congestion and uninsured motorist frequency
  • Age under 25 with DUI conviction stacks youth surcharge on top of violation surcharge — combined increase reaches 300–350% over standard rates
  • Ignition interlock requirement adds $75–$125/month for device lease and monitoring, separate from insurance premium but required for Limited License eligibility
  • Clean driving record during SR-22 filing period allows rate reduction after 18 months with most carriers, dropping surcharge to 80–100% over base
Minimum Coverage
$145–$185/mo
State-minimum 25/65/15 liability with SR-22 filing and $3,000 PIP. Covers legal requirements only. One at-fault accident exhausts limits immediately.
Standard Coverage
$180–$240/mo
50/100/25 liability, $10,000 PIP, uninsured motorist at 50/100, SR-22 filing, and collision/comprehensive with $1,000 deductible. Protects vehicle equity and covers multi-vehicle accidents.
Full Coverage
$220–$310/mo
100/300/100 liability, $25,000 PIP, uninsured motorist at 100/300, SR-22 filing, collision/comprehensive with $500 deductible, and rental reimbursement. Maximum protection during 3-year SR-22 period.

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer with Utah Driver License Division proving you carry minimum liability coverage. Required for 3 years post-DUI with no lapses allowed.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain Limited License eligibility. Covers you when driving borrowed or rental vehicles.

Ignition Interlock Insurance

Policy endorsement required when your Limited License restricts you to interlock-equipped vehicles. Confirms carrier awareness of device installation and restriction.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or limits too low to cover your damages. Utah adds this automatically unless you reject it in writing.

Full Coverage Auto Insurance

Liability, collision, comprehensive, uninsured motorist, and PIP combined. Protects your vehicle and covers damages you cause to others.

Find Your City in Utah

Salt Lake City, Utah cityscape and street view

Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
West Jordan, Utah cityscape and street view

West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
American flag flying over small town with snow-capped mountains in background and autumn trees below

Sandy

suburban
Desert landscape with red sandstone formations and layered cliffs under blue sky

St. George

urban
Snow-capped mountains behind a reflective salt flat under dramatic cloudy sky in desert landscape

Ogden

urban
Aerial view of white Mormon temple with twin spires at sunset, surrounded by parking lots and residential area

Layton

suburban

Frequently Asked Questions

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