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Cheap DUI Car Insurance in Utah (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Utah (2022)

For drivers with a DUI or DWI offense in Utah, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Utah. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Utah.

CarrierAvg. Monthly Cost
Sun Coast General Insurance Agency, Inc.$95
Travelers$124
Freedom National$125
Kemper$131
Liberty Mutual$151
GAINSCO$171
Bristol West$183
Dairyland Insurance$191
Metropolitan Property and Casualty Insurance Company$192
American Family Insurance$225

DUI Car Insurance Costs in Utah

In Utah, a DUI or DWI offense will on average have drivers paying $344 per month and $4,128 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 91% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$180
Avg. Monthly Cost - After DUI
$344
$164 ▴
91.11% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Utah?

It may be years before you really understand how much a DUI impacts your life. But you can anticipate higher car insurance rates right away. By how much and for how long? DUI drivers experience a 91 percent increase in car insurance rates in Utah. They pay $164.44 more than non-DUI drivers, at a monthly average of $344.44.

Rates generally stay elevated for three to five years, over which time you will have paid nearly $10,000 more to insure your ride. Keeping a clean driving record from here on out is optimal. After several good driving years, rates can decrease considerably.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$180$34491.11%

What Are the Average Car Insurance Prices After a DUI in Utah?

Individual circumstances dictate how much someone will pay for car insurance. However, looking at averages gives us a very good idea of the range of rates you can expect both before and after a DUI. If you have a DUI in Utah, expect to pay an average of $344 for insurance. Averages also tell us that drivers without a DUI pay $164 less.

Utah ranks 30th for insurance costs after a DUI. This means that compared to the rest of the country, your insurance costs would be more in 29 other states.

Utah After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$34430th

How Long Is the Lookback Period for a DUI in Utah?

In some states, DUIs are considered by the courts forever. In Utah, the lookback period is 10 years. This means that the courts recognize every impaired driving offense within 10 years for the purposes of handing down penalties and punishments.

For example, if you get pulled over a second time for a DUI in Utah and already have an offense on your record—and it's less than 10 years old—the court will hand down harsher penalties.

Utah DUI Penalties

Utah has the nation's lowest drunken driving limit at .05 blood alcohol content (BAC). Going over this limit means subjecting yourself to fines, jail time, and loss of your driver's license, among other things.
If it's your first offense in Utah, you'll face up to six months in jail, up to $1,000 in fines, and 90 days without your license. You may also be required to use an ignition interlock device. Penalties increase with each subsequent DUI offense. They also increase if someone under 16 is in the vehicle at the time of your offense.

Top Auto Insurance Companies

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FAQs - Utah Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Utah. Insurify analyzed the latest data for the five most populous cities in Utah to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Utah and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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