How to file for SR-22 insurance in Utah | finder.com

How to file for SR-22 insurance in Utah

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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 before you get your license back.

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.

Here’s what you need to know about obtaining and maintaining an SR-22 in Utah.

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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.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need SR-22 insurance in Utah?

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’re convicted of a DWI or reckless driving.
  • You’re involved in multiple accidents.
  • You’re issued multiple speeding tickets.

What if I don’t have a car or a license?

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.

What if I’m from another state?

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.

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How much does an SR-22 cost?

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.

The impact of an SR-22 on your car insurance rates

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.

Companies that offer SR-22 car insurance in Utah

Not every insurer offers SR-22 filing support. Compare cheap rates from Utah insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated September 18th, 2018
Company Median annual rate Learn more
Allstate $660 Read review
State Farm $593 Read review
Geico $617 Read review
Progressive $641 Read review
The General $772 Read review
Safeco $224 Read review
American Family $691 Read review
USAA $702 Read review
Average $613 Compare more reviews

How do I file for an SR-22 in Utah?

  1. Notify your insurer. If you already have insurance you will need to inform your provider that you are required to file an SR-22. Most insurance providers will file one for you.
  2. Find an insurer. Not all providers will insure someone who is required to file an SR-22. If your provider doesn’t offer SR-22 insurance, find a provider who will.
  3. Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22.
  4. Verify minimum liability coverage. If you’re insured, call your provider to make sure your policy includes Utah’s minimum insurance:
    • $25,000 for bodily injury per person.
    • $65,000 maximum per incident.
    • $15,000 for damage to another person’s property.

    You may see this listed as 25/65/15 on your insurance documents.

  5. Submit your SR-22. In Utah, typically your insurance provider will electronically file your SR22 on your behalf.

Find out how to get an SR-22 with top car insurance providers

How long will I need an SR-22 for in Utah?

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.

What happens if I let my SR-22 lapse?

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.

What happens when I don’t need SR-22 coverage anymore?

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.

Bottom line

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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2 Responses

  1. Default Gravatar
    MatthewJune 20, 2018

    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.

    • finder Customer Care
      nikkiangcoJune 20, 2018Staff

      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

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