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 is 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 the Beehive State.
Do I need SR-22 insurance in Utah?
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?
In most states, you will still be required to file an SR-22 even if you don’t own a car if you intend to get behind the wheel of any car. 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.
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.
How do I file for an SR-22 in Utah?
- 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.
- 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.
- Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22.
- 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.
- Submit your SR-22. In Utah, typically your insurance provider will electronically file your SR22 on your behalf.
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 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 five years to 10 years. Some repeat offenders can be required to carry an SR-22 for life.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.