Car Insurance After a DUI in Utah: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Utah increases car insurance rates by an average of 71%, raising a typical full coverage policy from $1,836/year to $3,140/year. That's an increase of $1,304/year ($109/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Utah
Before DUI
$153/mo
$1,836/year full coverage
After DUI (+71%)
$262/mo
$3,140/year full coverage
Cheapest Companies After DUI in Utah
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $194/mo | $2,324/yr | Military families |
| Erie Insurance | $207/mo | $2,481/yr | Rate lock guarantee |
| GEICO | $215/mo | $2,575/yr | Clean driving record |
| Progressive | $230/mo | $2,763/yr | Telematics savings |
| State Farm | $238/mo | $2,857/yr | Good students |
| Travelers | $249/mo | $2,983/yr | Multiple discounts |
| Nationwide | $272/mo | $3,266/yr | Bundling home + auto |
| Farmers | $283/mo | $3,391/yr | Signal telematics |
| Allstate | $293/mo | $3,517/yr | Accident forgiveness |
| Liberty Mutual | $309/mo | $3,705/yr | New car replacement |
USAACheapest
Monthly
$194/mo
Annual
$2,324/yr
Best for: Military families
Erie Insurance
Monthly
$207/mo
Annual
$2,481/yr
Best for: Rate lock guarantee
GEICO
Monthly
$215/mo
Annual
$2,575/yr
Best for: Clean driving record
Progressive
Monthly
$230/mo
Annual
$2,763/yr
Best for: Telematics savings
State Farm
Monthly
$238/mo
Annual
$2,857/yr
Best for: Good students
Travelers
Monthly
$249/mo
Annual
$2,983/yr
Best for: Multiple discounts
Nationwide
Monthly
$272/mo
Annual
$3,266/yr
Best for: Bundling home + auto
Farmers
Monthly
$283/mo
Annual
$3,391/yr
Best for: Signal telematics
Allstate
Monthly
$293/mo
Annual
$3,517/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$309/mo
Annual
$3,705/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Utah, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Utah
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Utah
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Utah
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $262/mo | +71% |
| Year 1 | $251/mo | +64% |
| Year 2 | $234/mo | +53% |
| Year 3 | $207/mo | +36% |
| Year 5 | $175/mo | +14% |
| Year 7 | $153/mo | Normal |