For most drivers in Utah, Farmers Union offers the cheapest car insurance with a DUI at $82 per month for minimum coverage. Progressive, Kemper and GEICO also have very affordable rates for those with a DUI conviction.
DUI Car Insurance in Utah
Updated: December 29, 2025
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Key Takeaways
Farmers Union offers the cheapest car insurance in Utah for a DUI, starting at $82 per month.
Monthly Utah car insurance costs with a DUI average $123, depending on your driver profile and coverage level.
After a DUI in Utah, you must file an SR-22 and maintain at least $30,000/$65,000/$25,000 liability plus $3,000 personal injury protection (PIP). Coverage must remain continuous for three years after conviction.
Cheapest DUI Car Insurance in Utah
| Farmers Union Insurance | $82 | $185 |
| Progressive | $89 | $130 |
| Kemper | $92 | $178 |
| GEICO | $105 | $190 |
| Allstate | $112 | $192 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
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Compare Cheap Car Insurance With a DUI in Utah
Your age, credit score and coverage choices directly affect your post-DUI insurance costs. These rates show how these factors change your premium, helping you identify which insurers offer the best prices for your situation.
Data filtered by:
30-59
Good
State Minimum Liability Only
| Farmers Union Insurance | $82 | $986 |
| Progressive | $89 | $1,068 |
| Kemper | $92 | $1,101 |
| GEICO | $105 | $1,255 |
| Allstate | $112 | $1,348 |
*100/300/100 liability coverage represents minimum coverage limits that satisfy Utah law.
How Much Does DUI Car Insurance Cost in Utah?
Car insurance with a DUI in Utah costs about $1,473 per year for minimum coverage. Your actual rate depends on your driver profile and coverage level. A DUI increases rates by roughly 61% compared to drivers with clean records.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $123 | $1,473 | $47 | $560 | 61% |
*100/300/100 liability coverage without comprehensive and collision represents minimum coverage that satisfies Utah law.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN UTAH?
A DUI conviction stays on your Utah driving record for 10 years. Insurers factor it into your rates during that entire period. Most companies keep premiums high for three to five years, though some maintain higher rates for the full decade.
Utah requires SR-22 filing for three years after a DUI. Repeat offenses extend this requirement. Your DUI history continues affecting insurance costs after the SR-22 period ends unless you maintain a clean driving record.
Additional Costs to Consider When Having a DUI in Utah
A DUI brings multiple financial obligations beyond higher insurance premiums.
- Fines and fees. A first-time DUI in Utah carries fines around $700, plus a 90% surcharge and court security fees, totaling about $1,370. Repeat offenses bring higher fines and additional penalties.
- Towing and vehicle impoundment. Your vehicle gets impounded after a DUI arrest. You'll pay a $350 DMV impound fee, plus towing and storage costs until you reinstate your license and resolve administrative holds.
- Education, treatment and ignition interlock. First-time offenders pay a $100 to $255 reinstatement fee plus IID installation and monitoring fees (up to $75 install plus $60 to $80 monthly) for 18 months. Repeat offenses require longer IID periods, up to three years for test refusal or underage violations.
- License reinstatement and SR-22 filing. Reinstating your driving privileges requires paying fines, completing required steps and maintaining SR-22 insurance, which costs $300 to $900 annually for three years. Any coverage lapse or SR-22 filing interruption triggers re-suspension or additional fees.
- Attorney fees and accident costs. Legal representation costs at least $2,000 for basic defense. DUI cases involving crashes add repair costs, medical bills, restitution and possibly probation fees.
Utah DUI Car Insurance Requirements
After a DUI in Utah, drivers must file an SR-22 certificate to confirm they carry the state's minimum liability insurance of $30,000 bodily injury per person, $65,000 per accident, $25,000 property damage and $3,000 personal injury protection (PIP). This SR-22 and the required insurance policy must remain active for three years after license reinstatement. Any lapse triggers suspension and resets the requirement.
Utah also requires an ignition interlock device (IID) if you were ordered to use one. Carrying the SR‑22 and maintaining continuous coverage ensures you stay compliant with state mandates.
Other Utah DUI Laws to Know
In addition to SR-22 filing and insurance requirements, Utah enforces strict penalties involving fines, jail time, impoundment, license actions and mandatory education for DUI offenses.
Fines
A first-time DUI results in a minimum fine of $700. After adding surcharges and security fees, total costs reach about $1,383. Repeat DUI convictions carry higher mandatory fines of roughly $800 plus similar surcharges. Felony DUIs incur at least $1,500 in base fines.
Imprisonment and release
All DUI convictions require a mandatory minimum sentence of two days in jail or 48 hours of community service. Drivers with BAC levels of 0.16 to 0.19% face at least five days in jail, home confinement or electronic monitoring. Court sentences can include probation and substance screening or treatment under the 24/7 Sobriety Program.
Impounding of vehicles
Utah law allows law enforcement to impound vehicles involved in DUI arrests. To retrieve the vehicle, you must pay an administrative fee (around $400), towing, storage and any associated DMV charges. If not claimed within 30 days, the vehicle may be sold by the state.
Suspension periods
Under Utah’s implied-consent rules, a first DUI results in a mandatory 120-day suspension followed by 18 months of ignition interlock use. Refusing or failing a BAC test increases penalties to one year of suspension and three years of interlock monitoring. Penalties are more severe for drivers under 21.
DUI education requirements
First DUI convictions require a screening and assessment, followed by enrollment in DUI education or substance abuse counseling. Drivers under 21 must complete a minimum 10-hour program, while others may need 24/7 Sobriety monitoring or longer treatment for elevated BAC levels or repeat offenses.
How to Get the Best Cheap Utah Car Insurance With a DUI
Finding affordable car insurance after a DUI conviction in Utah takes strategy. Here's how to reduce costs and secure needed coverage, even after standard providers deny you.
- 1Understand your needs
Utah drivers with a DUI must meet higher insurance minimums. Evaluate whether additional coverage or policy upgrades make sense for your situation. Use our auto insurance coverage needs calculator to start.
- 2Research costs and discounts
Review average insurance rates in Utah for your profile before comparing policies. Insurers don't offer DUI-specific discounts, but you can access standard savings like early sign-up or online quote discounts.
- 3Compare multiple providers
Prices vary widely between insurers, even with a DUI on your record. Compare quotes with identical coverage levels.
- 4Use state high-risk car insurance programs if denied
Utah participates in a high-risk insurance pool through the Utah Automobile Insurance Plan (UAIP) when standard carriers decline coverage. This program ensures drivers with serious violations like DUIs can access legally required coverage.
- 5Make lifestyle or vehicle changes
Improve your credit to cut costs. In Utah, drivers with poor credit and a DUI pay $2,005 more annually than those with good credit for the same minimum policy. Choose a cheaper car to insure, such as an older or safety-rated model, to lower rates.
- 6Consider non-traditional coverage types
Drive fewer than 7,000 miles per year? A pay-per-mile insurance plan saves you money. Many insurers offer telematics or usage-based discounts that reward safe driving habits with up to 40% off.
Cheap DUI Insurance in Utah: Bottom Line
Farmers Union, Progressive and Kemper offer the lowest rates for Utah drivers with a DUI. Compare quotes from multiple insurers to find the best price for your specific profile and coverage needs.
DUI Insurance in Utah: FAQ
MoneyGeek's expert answers to common questions about Utah DUI insurance:
Who has the cheapest car insurance for Utah drivers with a DUI?
For those with good credit and a DUI, Farmers Union offers the cheapest overall rates in Utah for minimum coverage and Progressive for full coverage.
How much does a DUI increase rates in Utah?
A DUI increases rates by up to 61% for minimum coverage and 62% for full coverage compared to drivers with clean records.
How much does DUI car insurance in Utah cost?
For minimum coverage, the average monthly rate is $123, and for full coverage, it's $218.
How We Chose the Cheapest Car Insurance for Utah's DUI Drivers
A DUI conviction in Utah creates immediate insurance challenges: your current insurer might not renew your policy, or your rates could jump 61% or more. We designed this analysis to help you find affordable coverage after a DUI by evaluating which insurers offer the best combination of price and reliability for high-risk drivers.
What We Analyzed
We gathered quotes from major insurers offering coverage to Utah drivers with DUI convictions. Our analysis focused on four factors that matter most when you're rebuilding your driving record:
- Affordability: Rate comparisons for drivers with and without DUIs
- Financial stability: Company's strength to pay claims when needed
- Customer satisfaction: How insurers handle high-risk policyholders
- Claims handling: Service quality during the claims process
Data came from state insurance departments and Quadrant Information Services, which collects rate information directly from insurers.
Sample Driver Profiles
The rates reflect a 40-year-old male driving a 2012 Toyota Camry LE with 12,000 annual miles. We compared his rates with a clean record against rates after a DUI conviction, then modified this base profile to show how age, gender and other factors affect post-DUI insurance costs across Utah demographics.
This approach shows which insurers maintain competitive pricing for DUI drivers while delivering reliable coverage, helping you make an informed choice during a stressful insurance transition
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AIPSO. " Utah Automobile Insurance Plan (UAIP)." Accessed December 30, 2025.