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If you live in Utah and have recently been convicted of DWI or reckless driving, you may be required to get an SR-22 to prove your financial responsibility before you get your license back. Filing for SR-22 is simple if you can find a provider willing to cover you for an affordable rate.
The fee your provider charges for filing the SR-22 is between $20 to $50, depending on the company. But it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll typically see higher premiums.
SR-22s are often required after a driving conviction, such as driving without insurance or a DWI. After such a conviction, you’re considered a “high-risk” driver by Utah and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there — like the General — that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
You may see this listed as 25/65/15 on your insurance documents.
Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Utah car insurance.
Utah has strict laws around driving. You could be required to carry SR-22 insurance for as little as three years, but some repeat offenders are sentenced to keep SR-22 certification for life.
A lapse in SR-22 certification can result in your license being suspended. To reinstate your license after a lapse you’ll need to renew your policy and pay any reinstatement and court fees.
Your insurance provider is required to notify the state if your policy is canceled for any reason. Missing payments consistently and failing to renew can both cause a lapse.
An SR-22 is proof of future financial responsibility. It’s a form that demonstrates you have a car insurance policy that meets Utah’s minimum auto insurance requirements.
Your state DMV will let you know if you need to file an SR-22. Utah law may require you to file an SR-22 if:
You’ll still be required to file an SR-22 even if you don’t own a car if you intend to get behind the wheel. In this case you’ll need to purchase non-owner auto insurance and file an SR-22 before your license can be reinstated.
If you have an SR-22 from another state, you must maintain it while driving in Utah. Your SR-22 is likely to be sufficient in Utah, but it’s best to verify coverage with the DMV and your insurer.
You may want to contact your local DMV and your insurer before making any changes to your policy. You’ll be able to find out if your mandate has completely cleared and any additional steps you may need to take.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
You’re responsible for maintaining your insurance and, by extension, your SR-22 coverage. Talk with your insurance agent if you’re unclear on what those responsibilities entail. Keeping ahead of the curve during your filing period can help minimize additional costs and lessen your chances of getting another suspension.
Shop around and compare providers before settling on a policy. High premiums may follow you after your filing period, but you may still be able to find a good deal that fits your budget.
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Utah is requiring me to get an SR22 before they will reinstate my suspended license. The problem is I now live in Arizona and my vehicle is registered in Arizona. Arizona DMV will not give me a license. And I will not be driving in Utah with the car insured in Utah for Utah to honor my SR22.
Hi Matthew,
Thanks for visiting finder.
We’re sorry to hear this. In Utah, typically your insurance provider will electronically file your SR22 on your behalf. Ask your agent if they can do this for you as this is more convenient.
Hope this helps.
Cheers,
Nikki