For most drivers in Utah, Farmers Union offers the cheapest car insurance with a DUI, with rates of $82 per month for minimum coverage. However, Progressive, Kemper and GEICO also have very affordable rates for those with a DUI conviction.
DUI Car Insurance in Utah
Updated: June 26, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Utah is offered by Farmers Union Insurance with rates starting at $82 per month.
Depending on your driver profile and coverage level chosen, monthly Utah car insurance costs with a DUI can average $123.
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 post-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.
Compare Cheap Car Insurance With a DUI in Utah
While the information above covers most drivers, it doesn't represent everyone with a DUI in Utah. Below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the rates that are best for your profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Utah law for most drivers.
How Much Does DUI Car Insurance Cost in Utah?
For most drivers, car insurance with a DUI in Utah costs approximately $1,473 per year for minimum coverage. However, depending on your unique driver profile and coverage level chosen, the yearly costs can change significantly. Compared to clean drivers without a DUI, those with the driving violation can increase rates by around 61%.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $123 | $1,473 | $47 | $560 | 61% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Utah law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN UTAH?
In Utah, a DUI conviction remains on your driving record for 10 years, and insurers consider it during that entire period when setting rates. Most companies will keep your premiums elevated for three to five years, with some continuing to factor the DUI into your rates for 10 years. Utah also mandates filing an SR‑22 certificate for three years after a DUI, though repeat offenses can extend that requirement. Even after the SR‑22 period ends, your insurance may still be impacted by your DUI history if you don’t maintain a clean driving record.
Additional Costs to Consider When Having a DUI in Utah
While higher insurance premiums are often expected after a DUI, there are several additional financial obligations that can quickly add up.
- Fines and fees. A first-time DUI in Utah typically carries fines of around $700, plus nearly a 90% surcharge and court security fees, bringing the cost to approximately $1,370. Repeat offenses may involve higher fines and additional financial penalties.
- Towing and vehicle impoundment. After a DUI arrest, your vehicle will likely be impounded and subject to 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 must pay a $100 to $255 reinstatement fee plus an IID installation and monitoring fee (up to $75 install plus $60 to $80/month) for 18 months. Subsequent offenses can require longer IID periods, up to three years for test refusal or underage violations.
- License reinstatement and SR‑22 filing. To reinstate your driving privileges, you’ll need to pay fines, complete required steps, and maintain SR‑22 insurance, costing $300–$900 annually for three years. Any lapse in coverage or interruption in SR‑22 filing can lead to re-suspension or additional fees.
- Attorney fees and accident costs. If you hire legal representation, expect to pay at least $2,000 for basic defense; DUI cases involving crashes will 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, and $25,000 property damage and PIP. This SR‑22 and the required insurance policy must remain active for three years starting from 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 typically results in a minimum fine of $700, but after adding surcharges and security fees, total costs reach approximately $1,383. Subsequent DUI convictions carry higher mandatory fines of about $800 plus similar surcharges, while 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 a five-day jail sentence, home confinement, or electronic monitoring. Court sentences may also 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
If you've been convicted of a DUI in Utah, finding affordable auto insurance may be more difficult. Here are some proven strategies to help reduce your costs and secure the coverage you need, even if standard providers have denied you.
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Understand your needs
Utah drivers with a DUI must meet higher insurance minimums, but it's still smart to evaluate if additional coverage or policy upgrades make sense for your situation. We also provide an auto insurance coverage needs calculator to help you begin.
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Research costs and discounts
Before comparing policies, get familiar with the average insurance rates in Utah based on your profile. While insurers don’t offer DUI-specific discounts, you can still benefit from standard savings like discounts for early sign-up or getting a quote online.
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Compare multiple providers
Even with a DUI on your record, prices vary widely between insurers. Make sure you’re comparing quotes with identical coverage levels.
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Use state high-risk car insurance programs if denied
Utah participates in a high-risk insurance pool through the Utah Automobile Insurance Plan (UAIP) if standard carriers decline to cover you. This program helps make sure that drivers with serious violations like DUIs can still access legally required auto coverage.
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Make lifestyle or vehicle changes
Cut costs by improving your credit. In Utah, drivers with poor credit and a DUI pay an average of $2,005 more annually than those with good credit for the same minimum policy. You can also lower rates by choosing a cheaper car to insure, such as an older or safety-rated model.
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Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, a pay-per-mile insurance plan could help you save significantly. Many insurers also offer telematics or usage-based discounts, which reward safe driving habits with up to 40% off.
Cheap DUI Insurance in Utah: Bottom Line
Overall, we found the cheapest overall car insurance providers for Utah drivers with a DUI are Farmers Union Insurance, Progressive and Kemper. While this is what our research found, we still recommend that you compare rates for yourself, research costs and decide what coverage you need.
DUI Insurance in Utah: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked 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?
Overall a DUI can increase your rates up to 61% for minimum coverage and 62% for full coverage compared to those without a DUI.
How much does DUI car insurance in Utah cost?
For minimum coverage the average rate is $123 monthly and for full coverage it is $218 per month.
How We Chose the Cheapest Car Insurance for Utah's DUI Drivers
To determine the top companies for drivers with DUIs in Utah, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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.
sources
- AIPSO. " Utah Automobile Insurance Plan (UAIP)." Accessed July 5, 2025.