Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare SR-22 insurance in Utah

Get cheap SR-22 insurance in Utah

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.

How much does an SR-22 cost in Utah?

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.

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.

Compare SR-22 car insurance in Utah

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 Accident forgiveness Payment schedule States served
Progressive
Optional
12 months, 6 months
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
12 months, 6 months, custom
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Root
6 months, monthly
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, West VA
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Allstate
Optional
Monthly
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
12 months, monthly
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
The General
Optional
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
Farmers
12 months, custom, Monthly
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
loading

Compare up to 4 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.

Do I need SR-22 insurance in Utah?

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’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.

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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

    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.

      Avatarfinder 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

Go to site