Updated: April 23, 2025
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MoneyGeek recommends State Farm for both full and minimal coverage if you require car insurance after a DUI conviction in Utah. State Farm and American Family are the most cost-effective full coverage and minimum coverage insurers. You can compare prices for the different types of insurance in the table below.
After a DUI in Utah, the two cheapest providers for full coverage car insurance are American Family, at $1,426 per year, and State Farm, at $1,429 per year.
In Utah, after a DUI, the top two cheapest providers for minimum coverage car insurance are State Farm, at $827 per year, and Progressive, at $869 per year.
For drivers in Utah with a DUI, State Farm is the top recommended provider for full coverage, offering a competitive annual cost of $1,429 and notable strengths in affordability and customer satisfaction.
Insurance companies can legally refuse to cover drivers who have a DUI on their record, even though all states require car insurance. Because DUI drivers are considered high-risk, insurance firms covering them usually hike their prices.
A DUI conviction in Utah might result in a 51.13% increase in your yearly insurance premiums. You may also incur penalties, such as license suspension and mandatory use of an ignition interlock device.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
In general, Progressive and State Farm are the cheapest auto insurance companies after a DUI throughout the country. In Utah, American Family and State Farm are the cheapest car insurers for full and minimum coverage after a DUI.
The amount of coverage you choose affects the cost of your auto insurance after a DUI conviction. According to MoneyGeek's research, the following provides the most affordable full-coverage auto insurance for DUI drivers in Utah:
However, if you have a military background, USAA offers the cheapest full coverage premium of $1,188 after a DUI in Utah.
| 1 | USAA | $1,188 |
| 2 | American Family | $1,426 |
| 3 | State Farm | $1,429 |
| 4 | Allstate | $1,479 |
| 5 | Progressive | $1,511 |
As previously mentioned, the level of coverage you choose impacts the price of your auto insurance. The following providers offer the lowest minimum coverage car insurance after a DUI in Utah:
However, if you’re a member of the military, USAA offers the lowest insurance in Utah for minimal coverage after a DUI, at $666 per year.
| USAA | $666 |
| State Farm | $827 |
| Progressive | $869 |
| GEICO | $883 |
| Farmers | $890 |
| Allstate | $912 |
| American Family | $1,010 |
| Esurance | $1,030 |
| Nationwide | $1,306 |
| MetLife | $2,046 |
When it comes to car insurance, the cheapest option isn't always the best because it might not offer enough coverage in case of an accident. While Utah law requires drivers to have the state's minimum coverage, we suggest figuring out how much car insurance you really need to be financially secure.
MoneyGeek identified the best insurers based on affordability, customer satisfaction, financial soundness and other considerations. We found that State Farm is the top auto insurance company for someone with a DUI in Utah for both full and minimum coverage.
State Farm and GEICO are the top two companies offering full coverage auto insurance for DUI offenders in Utah. Take a look at both companies in more detail below.
State Farm's full coverage insurance costs the typical driver $1,299 per year. The average premium for DUI offenders is $1,429, roughly 10% higher.
State Farm is a top-rated car insurance provider and has branches around the country. Despite the absence of extra coverages such as OEM, it is a cost-effective option for most drivers.
GEICO's full coverage insurance costs roughly $677 per year for motorists with a spotless record. On the other hand, DUI offenders pay an average of $1,534 per year, a considerable increase of 77.5%.
GEICO provides low-cost insurance for all kinds of drivers and offers a variety of discounts, including anti-theft system and multiple-car. However, it does not cover the cost of a new automobile or a better car replacement.
Minimum car insurance coverage is the most cost-effective choice, but it may suit everyone's requirements. MoneyGeek researched auto insurance companies in Utah that provide minimum coverage insurance. Read more about our top picks, State Farm and GEICO, in the table below.
Without a DUI, State Farm minimum coverage insurance costs about $748 per year. On the other hand, DUI offenders pay an average of $827 per year, which is 10% higher.
State Farm ranks high for financial stability but has an average customer satisfaction rating due to a high number of customer complaints. It offers ridesharing insurance, savings to students and various discounts, including bundling and anti-theft. It does not, however, offer pay-in-full or paperless discounts.
In Utah, a GEICO basic coverage policy for drivers with a clean driving record might cost about $393 per year. DUI offenders, on the other hand, pay $833, an extra 77%.
GEICO gets above-average ratings for consumer happiness and has good reviews for price, stability, and discounts. However, one of its disadvantages is that it does not provide coverage for new or better automobile replacement.
The average cost of car insurance in Utah increases by 51% after a DUI. If you've been convicted of a DUI, full coverage insurance will set you back $1,674 per year on average. In contrast, non-DUI drivers in the state pay roughly $1,108 for the same coverage.
MoneyGeek explains how and why your car insurance costs in Utah vary if you get a DUI.
How long does a DUI affect the cost of your car insurance?
The look-back period refers to how long a DUI stays on a driver's record. Each subsequent DUI carries a heavier punishment during the look-back period, intended at deterring repeat offenders. It's worth mentioning that each state's look-back time differs. The look-back period in Utah is 10 years.
Full Coverage
$1,108
Full Coverage
$1,674This is 51% more expensive.
After a DUI, you're classified as a high-risk driver, which raises the cost of your Utah auto insurance. Use MoneyGeek's car insurance calculator to get a more tailored idea of how your premiums could change after a DUI.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 20, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  GEICO | 84 /of 100 | $75 |
| 2 | 88 /of 100 | $88 | |
| 3 |  Nationwide | 84 /of 100 | $88 |
| 4 | 81 /of 100 | $90 | |
| 5 | 84 /of 100 | $95 | |
| 6 | 92 /of 100 | $98 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In addition to higher car insurance rates, other DUI-related costs can reach hundreds of dollars. Here are some of the extra expenses you may shoulder:
Some auto insurance companies refuse to cover drivers who have been convicted of drunk driving. Insurance companies are private businesses and have the legal power to deny or refuse to renew coverage for DUI offenders.
Utah’s look-back period prolongs the difficulty of getting insurance after a DUI for 10 years. But you can still shop about, compare pricing, and choose the insurance company that will best fit your needs.
Utah requires an SR-22 insurance form for all drivers convicted of a DUI. This is a document that your insurer submits to the state on your behalf confirming you have the state-required bare minimum coverage. You should be aware that SR-22 insurance in Utah has its own set of costs, like filing fees and loss of discounts.
Driving while drunk or under the influence of drugs or alcohol may result in severe legal consequences. License suspension, fines, taxes, installing an ignition interlock device (IID) and prison time are all common DUI penalties. MoneyGeek has compiled a list of several Utah DUI laws in the table below.
Blood alcohol concentration (BAC) determines how much alcohol is in someone's bloodstream. In 2019, Utah became the first and only state to make driving with a BAC of.05% or above unlawful. Note that even if you aren't above the legal limit, you may be arrested if you seem unable to drive safely.
If a BAC is 0.16% or greater, the court must order (or explain why the order is not appropriate) treatment, as well as one or both of the following:
Your license will be suspended for at least 120 days if you are found driving with a BAC of 0.05% or higher.
None.
Mandatory for repeat convictions; highly incentivized for first convictions.
Yes.
Yes.
It can be tough to get affordable car insurance after a DUI conviction in Utah. To help you with the process, MoneyGeek answers some frequently asked questions.
It’s best to ask your insurance company directly. Utah law does not require companies to continue to cover DUI offenders, so insurers have the option to cancel or refuse to renew policies.
After a DUI, rates in the state climb by 51.13% on average. Utah’s usual full coverage car insurance costs $1,108 per year. This amount increases to $1,674 if you are convicted of DUI.
Unless you have a military background, in which case USAA is the cheapest, American Family is the most affordable option for full coverage auto insurance after a DUI in Utah. MoneyGeek suggests State Farm if you're seeking the overall best-rated auto insurer in the state, regardless of price.
Due to Utah's look-back period, your auto insurance rates might increase for up to 10 years; the time will depend on your individual circumstances.
If you have a DUI, getting car insurance can be tough. We recommend comparing prices to find the insurance that meets your specific needs.
To determine the top companies for individuals with DUIs in Utah, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
