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.
Best Companies for DUI Insurance in 2023


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.
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Cheapest Car Insurance Companies in Utah After a DUI
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.
Cheapest Companies for Full Coverage in Utah 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:
- American Family: $1,426 per year
- State Farm: $1,429 per year
However, if you have a military background, USAA offers the cheapest full coverage premium of $1,188 after a DUI in Utah.
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in Utah After a DUI
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:
- State Farm: $827 per year
- Progressive: $869 per year
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.
Cheapest Car Insurance for Minimum Coverage After a DUI
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.
Top Car Insurance Companies in Utah After a DUI
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.
Best Companies for Full Coverage in Utah After a DUI
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.

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.

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.
Best Companies for Minimum Coverage in Utah After a DUI
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.

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.

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.
How Much Does Car Insurance Cost in Utah After a DUI?
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?
Full Coverage
$1,108Full 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.
Auto Insurance Calculator
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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:
- Fines, court and attorneys' fees: A DUI conviction usually entails fines and court costs, as well as the cost of hiring a lawyer to help you post bail or defend yourself against a false allegation.
- Towing/impound fee: You'll pay to have your car returned if it's towed and confiscated due to an arrest.
- Drug education and treatment: After your first offense, you may be required to complete an alcohol or drug education program.
- DMV reinstatement fee: You'll pay a fee to recover your driving privileges after your license has been suspended.
Getting Car Insurance in Utah After a DUI
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.
Utah DUI Laws
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.
Driving with a BAC at or above 0.05% is considered a DUI
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.
Driving with a BAC of 0.16% will result in increased penalties
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:
- An ignition interlock device as a condition of probation
- Electronic monitoring at home
Period of license revocation on first offense
Your license will be suspended for at least 120 days if you are found driving with a BAC of 0.05% or higher.
Limited driving privileges during your suspension
None.
Ignition interlocks
Mandatory for repeat convictions; highly incentivized for first convictions.
Open container laws
Yes.
Repeat offender laws
Yes.
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Frequently Asked Questions
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.
Methodology
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.
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sources
- Utah State Legislation. "Utah Code: Driving Under the Influcence." Accessed April 25, 2022.
- Foundation for Advanced Alcohol Responsibility. "National Drunk Driving Statistics Map." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.
- Insurance Institute for Highway Safety. "Alcohol and drugs." Accessed April 25, 2022.
- National Conference for State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.