Does a DUI raise car insurance rates in Utah?
Utah car insurance averages $2,356 with a clean driving record. However, average car insurance rates after a DUI increase to $3,342, which is $986 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 $5,284.
How much does a DUI raise your insurance in Utah?
The cheapest insurer after a DUI is Progressive, with rates averaging $2,719. The next cheapest insurer is Dairyland, a difference of $140 from Progressive. United Insurance Co has the third-most affordable car insurance rates with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average 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 | $2,260 | $2,719 | $3,933 |
| Dairyland | $2,059 | $2,859 | $3,915 |
| United Insurance Co | $2,590 | $2,937 | $4,218 |
| GEICO | $1,550 | $3,361 | $6,105 |
| Iowa Farm Bureau | $3,143 | $3,560 | $7,212 |
| Allstate | $2,919 | $3,965 | $5,545 |
| Farmers | $2,967 | $4,039 | $5,817 |
| State Farm | $4,472 | $4,782 | $4,782 |
| Auto-Owners | $2,097 | $5,398 | $13,254 |
| USAA | $1,354 | $2,628 | $2,966 |
People ask
What happens when you get a DUI in Utah?
If you're convicted of a DUI in Utah, the consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
If someone else gets a DUI while driving your car, it goes on their record, not yours. However, your insurance could still be affected if they cause an accident and you file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. or if they regularly drive your vehicle but weren't listed on the policy.
Your insurance covers your car when someone else drives it with your permission, but violations like DUIs stay with the driver who committed them.
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?
A DUI affects your car insurance rates in Utah for about 10 years. However, the DUI may stay on your official driving record longer. Your rates will start to go down after a few years if you avoid new violations and keep continuous coverage.
Insurance companies check your driving record when setting your rates. Each company has its own rules for how long it considers a DUI.
If you keep a clean record, your rates should gradually decrease. Still, the exact timing depends on your insurer, state rules, and your overall driving history.
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 pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger drivers' car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $5,926.
These are the cheapest companies after a DUI by age:
- For teens: Dairyland is the cheapest at $5,926.
- For young adults: Progressive offers the cheapest young adult coverage at $3,123.
- For adults: Progressive, with an average rate of $2,719.
- For seniors: Progressive has the most affordable average rate at $2,331.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Dairyland | $4,546 | $5,926 | $1,380 | 30% |
| United Insurance Co | $6,708 | $7,687 | $979 | 15% |
| GEICO | $5,656 | $9,300 | $3,644 | 64% |
| Iowa Farm Bureau | $8,497 | $9,645 | $1,148 | 14% |
| Progressive | $9,736 | $10,067 | $331 | 3% |
| Allstate | $9,999 | $14,556 | $4,557 | 46% |
| State Farm | $14,715 | $15,789 | $1,074 | 7% |
| Farmers | $13,322 | $16,582 | $3,260 | 24% |
| Auto-Owners | $6,335 | $17,818 | $11,483 | 181% |
| USAA | $4,224 | $6,742 | $2,518 | 60% |
How much does a DUI raise your insurance in your city?
The cheapest city in Utah for car insurance with a DUI is St. George, while the most expensive is West Valley City at an average of $3,858. Where you live affects car insurance rates, regardless of whether you have a DUI. Drivers in areas with higher traffic and more vehicle thefts pay higher insurance premiums because their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % increase |
|---|---|---|---|---|
| St. George | $2,205 | $3,108 | $903 | 41% |
| Layton | $2,347 | $3,306 | $959 | 41% |
| Ogden | $2,422 | $3,424 | $1,002 | 41% |
| Provo | $2,429 | $3,436 | $1,007 | 41% |
| Sandy | $2,459 | $3,485 | $1,026 | 42% |
| Orem | $2,503 | $3,537 | $1,034 | 41% |
| South Jordan | $2,506 | $3,551 | $1,045 | 42% |
| West Jordan | $2,580 | $3,637 | $1,057 | 41% |
| Salt Lake City | $2,602 | $3,681 | $1,079 | 41% |
| West Valley City | $2,748 | $3,858 | $1,110 | 40% |
How to get car insurance after a DUI in Utah
Insurers will label you as a high-risk driver, but you can still get car insurance after a DUI in Utah. You can stay with your current insurer or look for companies that cover high-risk drivers. Start by checking if you need to file any state forms, then compare quotes from several insurers.
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 lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Utah, since each insurer offers different 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 | 0.16 |
| Administrative license suspension after a first offense | 120 days |
| Limited driving privileges during suspension | None |
| Ignition interlocks | Mandatory for repeat convictions; highly incentivized for first convictions |
| Open container laws | Yes |
| Repeat offender laws | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
Utah drivers can expect to pay higher car insurance rates after a DUI for 10 years.
If you avoid new tickets, accidents, and lapses in coverage, your rates should improve over time. Still, the DUI can affect your eligibility for certain insurers or discounts even after your rate starts to drop.
It is a good idea to compare quotes at each renewal. Another insurer may offer a lower rate sooner than your current one.
Tips to save money after a DUI
You can save money after a DUI by comparing quotes, avoiding additional violations and taking advantage of discounts. While these steps will not remove the DUI, they can help reduce your overall costs.
While your rates will remain higher for a period, these steps can significantly reduce how much you pay.
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates in all 50 states and Washington, D.C., through our data partner, Quadrant Information Services. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Base rate averages are based on our full coverage data setand the following parameters:
- 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:
- Ages ranging from 16 to 75
- Rates after a DUI
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.
Do you need an SR-22 after a DUI in Utah?
Yes, you are required to obtain an SR-22 after a DUI in Utah as proof that you carry the minimum insurance required by law. Your insurer files the form with the state. The filing fee is generally small, but the DUI conviction that triggered the requirement can substantially increase your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods..
Can you get full coverage car insurance after a DUI?
Yes, you can get full coverage car insurance after a DUI, but it will generally cost more and fewer insurers may be willing to offer it. Full coverage includes liability, collision and comprehensive insurance. Comparing quotes from several companies can help you find the best coverage at a more affordable rate.
Compare Utah DUI car insurance rates with other states
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