- Does a DUI raise car insurance rates in Utah?
- How much does a DUI raise your insurance in Utah?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Utah?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Utah
- Utah DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Utah DUI insurance: Frequently asked questions
- Compare Utah DUI car insurance rates with other states
Does a DUI raise car insurance rates in Utah?
Utah car insurance averages $1,825 with a clean driving record. However, average car insurance rates after a DUI increase to $2,983, which is $1,158 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $4,490.
How much does a DUI raise your insurance in Utah?
The cheapest insurer after a DUI is Progressive, with average premiums of $2,098. The next most affordable option is State Farm, where rates are $222 higher than those of Progressive. Nationwide offers the third-lowest car insurance rates for drivers with a DUI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DUI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage car insurance rates after a DUI in Utah.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Progressive | $1,845 | $2,098 | $3,337 |
| State Farm | $2,175 | $2,320 | $2,320 |
| Nationwide | $1,135 | $2,547 | $3,562 |
| GEICO | $1,325 | $2,744 | $4,973 |
| Allstate | $2,279 | $3,067 | $4,258 |
| Auto-Owners | $1,393 | $3,682 | $9,262 |
| Farmers | $2,638 | $5,258 | $7,982 |
| USAA | $1,237 | $2,380 | $2,674 |
PEOPLE ASK:
What happens when you get a DUI in Utah?
If you're convicted of a DUI in Utah, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for life.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Utah?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Utah car insurance and stays on your record for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $5,212.
Below are the cheapest insurers after a DUI for each age group:
- For teens: Nationwide has the most affordable rate at $5,212.
- For young adults: Progressive offers the lowest-priced coverage for young adults at $2,416.
- For adults: Progressive provides the best rate, averaging $2,098.
- For seniors: Progressive delivers the cheapest average rate at $1,993.
This table illustrates how a DUI affects car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Nationwide | $4,087 | $5,212 | $1,125 | 28% |
| State Farm | $6,029 | $6,460 | $431 | 7% |
| GEICO | $4,523 | $7,315 | $2,792 | 62% |
| Allstate | $7,382 | $10,693 | $3,311 | 45% |
| Auto-Owners | $3,951 | $11,316 | $7,365 | 186% |
| Farmers | $11,066 | $19,433 | $8,367 | 76% |
| Nationwide | $4,087 | $5,212 | $1,125 | 28% |
| State Farm | $6,029 | $6,460 | $431 | 7% |
| GEICO | $4,523 | $7,315 | $2,792 | 62% |
| Allstate | $7,382 | $10,693 | $3,311 | 45% |
| Auto-Owners | $3,951 | $11,316 | $7,365 | 186% |
| Farmers | $11,066 | $19,433 | $8,367 | 76% |
| USAA | $3,693 | $5,866 | $2,173 | 59% |
| USAA | $3,693 | $5,866 | $2,173 | 59% |
How much does a DUI raise your insurance in your city?
The most affordable city in Utah for car insurance after a DUI is Hurricane, while the most expensive is South Salt Lake, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,407. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
This table shows the average car insurance rates after a DUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Beaver | $1,760 | $2,888 | $1,128 | 64% |
| Bountiful | $1,814 | $2,966 | $1,152 | 64% |
| Heber | $1,912 | $3,110 | $1,198 | 63% |
| Hurricane | $1,680 | $2,754 | $1,074 | 64% |
| Mendon | $1,730 | $2,829 | $1,099 | 64% |
| Midvale | $1,994 | $3,284 | $1,290 | 65% |
| Ogden | $1,909 | $3,114 | $1,205 | 63% |
| Randolph | $1,869 | $3,010 | $1,141 | 61% |
| Salt Lake City | $2,038 | $3,331 | $1,293 | 63% |
| South Salt Lake | $2,092 | $3,407 | $1,315 | 63% |
| Beaver | $1,760 | $2,888 | $1,128 | 64% |
| Bountiful | $1,814 | $2,966 | $1,152 | 64% |
| Heber | $1,912 | $3,110 | $1,198 | 63% |
| Hurricane | $1,680 | $2,754 | $1,074 | 64% |
| Mendon | $1,730 | $2,829 | $1,099 | 64% |
| Midvale | $1,994 | $3,284 | $1,290 | 65% |
| Ogden | $1,909 | $3,114 | $1,205 | 63% |
| Randolph | $1,869 | $3,010 | $1,141 | 61% |
| Salt Lake City | $2,038 | $3,331 | $1,293 | 63% |
| South Salt Lake | $2,092 | $3,407 | $1,315 | 63% |
How to get car insurance after a DUI in Utah
Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Utah, as each company sets its own rates after a DUI.
Utah DUI insurance requirements and penalties
A DUI in Utah means you must meet specific requirements for high-risk drivers. In Utah, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Utah DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.16 | 120 days | None | Mandatory for repeat convictions; highly incentivized for first convictions | Yes | Yes |
| 0.16 | 120 days | None | Mandatory for repeat convictions; highly incentivized for first convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Utah drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for life.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Utah drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Utah DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DUI in Utah?
Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Utah DUI car insurance rates with other states
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