Utah Car Insurance with a DUI

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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If you happen to are found guilty of DUI in Utah, your auto insurance will get more expensive — it's just a matter of how much you'll end up paying.

How does a DUI influence auto insurance premiums in Utah?

In Utah, a DUI can boost your annual car insurance premium by an average of $405. That’s 172% less than the U.S. average premium increase after a DUI.

Area Avg. Annual Rate — without DUI Avg. Annual Rate — with DUI Avg. Increase After DUI
Utah $1,306 $1,710 +31%
United States $1,548 $2,556 +65%

How to find car insurance coverage in Utah with a DUI violation

Getting reasonable auto coverage after a DUI violation is far from simple. In fact, a DUI typically brings about a larger rate increase than any other driving violation — more than reckless driving, racing, or an at-fault accident. Utah is a somewhat benign place in which to be convicted of a DUI: its insurance rate raises are among America's lowest.

Affordable auto insurance after a DUI in Utah

If you have been convicted of a DUI or DWI violation in Utah, it’s critical to review available insurance options thoughtfully. Car insurance costs after a DUI can vary greatly depending on the insurer. For example, the best cheap car insurance company after a DUI in Utah, Bear River, offers yearly premiums 66% below the state mean insurance price with a DUI conviction. The second-most affordable choice for car insurance after a DUI in Utah is Iowa Farm Bureau, while the most expensive company is AAA, at 72% above average.

Insurance Company Avg. Annual Rate — After DUI
Bear River $579
Iowa Farm Bureau $1,272
GEICO $1,514
State Farm $1,554
Progressive $1,668
American Family $1,714
Farmers $2,181
Allstate $2,197

There is no auto insurance company in particular that offers low-cost DUI auto insurance. The best way to save money following a DUI conviction is to compare rates.

Compare auto insurance quotes online or contact your insurance expert to gauge the choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Utah DUI laws

Drivers are DUI in Utah when their blood alcohol concentration measures 0.05% or higher. Commercial drivers are held to a stricter standard and are considered DUI when their BAC reads 0.04% or higher.

Drivers under 21 years old are DUI in Utah if they have any level of detectable alcohol in their system.

DUI penalties in Utah

There is a 10-year DUI lookback period in the state of Utah. Multiple DUI offenses within this timeframe result in harsher penalties and fines.

A DUI leading to injury results in enhanced fines and harsher sentencing. Penalties are also increased for a DUI with a passenger under 16 in the vehicle.

First-time DUI offenses in Utah lead to:

  • 48 hours to six months in jail
  • $700 to $1,000 in fines
  • A 90-day license revocation with the possibility for a longer revocation period
  • The possible requirement to install and use an ignition interlock device

A second DUI offense in Utah results in:

  • 10 days to six months in jail
  • $800 to $1,000 in fines
  • License revocation for one year with the possibility for a longer revocation period
  • Possible requirement to install and use an IID

Third-time DUI offenders in Utah are subject to:

  • Up to five years in jail
  • Up to $5,000 in fines
  • License revocation for one year with the possibility for a longer revocation period
  • Possible requirement to install and use an IID

DUI penalties for underage drinkers in Utah

Underage DUI offenders in Utah may be subject to the same laws and penalties as a driver who is 21 or older.

In addition, a first-time underage DUI offender will face a license suspension for two years or until age 21, whichever is longer. Two or more offenses within three years will result in a license suspension of one year.

Underage DUI offenders in Utah must also use an IID.

Sources and references:




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