Utah Hardship License Insurance & SR-22 Coverage
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Utah is a no-fault state, which means your own PIP coverage pays medical bills regardless of who caused the accident. Utah requires proof of insurance at registration and during traffic stops — officers verify coverage electronically through the state database. After a DUI or multiple-violation suspension, Utah requires SR-22 filing before you qualify for a hardship license, and the filing must stay active for 3 years from the suspension end date.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Filing
What Drivers Pay in Utah
$177–$384/mo
Typical monthly rate in Utah, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Insured for the Drive to Work
Keep Driving to WorkIf your license is suspended
Hardship Limited License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Utah require SR-22 filing for a hardship license?
Utah requires 3 years of continuous SR-22 filing starting from the end of your suspension period, not from the date you file. If your suspension ends January 1, 2026 and you file SR-22 that same day, you must maintain the filing until January 1, 2029. Any lapse triggers immediate hardship license revocation by the Utah Driver License Division.
Can I get a hardship license immediately after a DUI in Utah?
Utah requires a 120-day waiting period after a first-offense DUI conviction before you're eligible to apply for a hardship license. During those 120 days you cannot drive at all. After the waiting period, you must complete a DUI screening, enroll in an alcohol education program, install an ignition interlock device, and file SR-22 before the Driver License Division will consider your hardship application.
What hours can I drive on a Utah hardship license?
Utah hardship licenses restrict driving to approved purposes only — work, medical appointments, DUI program attendance, and court-ordered obligations. The Driver License Division specifies approved hours and routes on the license itself. Driving outside approved hours or routes is a Class B misdemeanor and results in immediate license revocation and extension of your underlying suspension.
Which carriers write hardship license insurance in Utah?
Bristol West, Dairyland, GAINSCO, The General, and Safe Auto write SR-22 policies for Utah hardship license holders. Standard carriers like State Farm, Allstate, and Progressive typically won't write new policies for drivers with active SR-22 requirements and restricted licenses. Rates and approval vary by violation type — DUI filers face stricter underwriting than lapse-suspension filers.
What happens if my SR-22 lapses while I have a Utah hardship license?
The carrier notifies the Utah Driver License Division electronically the same day your policy lapses or cancels. The Division revokes your hardship license immediately — there is no grace period. You lose driving privileges until you file new SR-22, pay a reinstatement fee, and reapply for hardship license approval, which can take 15–30 days.
Coverage Types
SR-22 Insurance
State filing proving you carry liability coverage. Required for hardship license eligibility in Utah after DUI, multiple violations, or driving uninsured.
Non-Standard Auto Insurance
Policies written for drivers with suspended licenses, DUI convictions, or multiple violations. Higher premiums but the only market that writes hardship license coverage.
Liability Insurance
Covers bodily injury and property damage you cause to others. Utah's 25/65/15 minimum is required for hardship license approval.
Non-Owner SR-22
SR-22 filing for drivers who don't own a vehicle but need proof of insurance to satisfy hardship license requirements. Covers liability when you drive a borrowed or employer-owned vehicle.