Compare 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.

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.

Our pick for SR-22 drivers: The General

Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.

• Qualify even as a high-risk driver
• Get instant access to proof of insurance
• Take advantage of 10 discount opportunities
• File a claim conveniently by app

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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.

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Name	Product	Roadside assistance	Accident forgiveness	Payment schedule	States served
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.	Get quotes More Info	Compare	loading Fetching your data...
Esurance				12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
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.	More Info	Compare	loading Fetching your data...

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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.

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.

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.