Cheapest SR-22 Car Insurance in Utah: 2026 Rates and Requirements

Kemper offers the cheapest SR-22 car insurance in Utah at $127/month. Compare top providers, violation-based rates and filing requirements to find the best policy for your situation.

Written by Mark Fitzpatrick

Updated: April 29, 2026

Advertising & Editorial Disclosure

Key Takeaways

Kemper offers the cheapest SR-22 car insurance in Utah at $127 per month for minimum coverage, making it the most affordable option for drivers needing to file.

Utah drivers with a DUI pay an average of $110 per month for minimum coverage with an SR-22, $39 more per month than drivers with a clean record.

Utah requires SR-22 drivers to maintain continuous coverage for three years; a lapse restarts the entire filing period from the beginning.

Cheapest SR-22 Insurance in Utah

Kemper is the cheapest SR-22 car insurance provider in Utah at $127 per month for minimum coverage, $6 less than GEICO at $133 per month. Compared to Utah's clean-record average of $71 per month, SR-22 drivers pay 79% more for the same level of protection. Utah SR-22 filing runs through the Driver License Division (DLD) and Utah's per-accident bodily injury minimum is $65,000, a limit that sits between the $50,000 and $100,000 common in other states.

For drivers who only need state minimum liability, Kemper's $127 monthly rate is the most cost-effective way to reinstate your license. If you drive a financed or leased vehicle and need full coverage car insurance in Utah, Kemper also leads at $249 per month. If your credit has taken a hit alongside your driving record, you can search for car insurance for drivers with bad credit.


Kemper	$127	$249	13%
Geico	$133	$244	13%
Allstate	$152	$260	5%
Farmers	$153	$279	0%
UAIC	$153	$220	14%

Cheapest SR-22 by Violation in Utah

Nationwide offers the cheapest SR-22 rates for drivers with multiple speeding tickets at $111 per month for minimum coverage, the lowest rate among named violation categories. Drivers with a racing violation pay the highest rates among comparable categories, with Progressive starting at $170 per month, a $59 monthly gap over the speeding ticket category. If your SR-22 stems from a DUI, you can still get car insurance.

Data filtered by:


Drivers With Hit-And-Run Accident	Kemper	$128	$257	11%
Drivers With Hit-And-Run Accident	Progressive	$172	$257	1%

Cheapest SR-22 Insurance in Utah by City

Mexican Hat has the cheapest car insurance in Utah for SR-22 minimum coverage rate in Utah at $84 per month through Kemper, while West Valley City is the most expensive at $135 per month, a $51 monthly spread across the state. Kemper leads as the cheapest provider in most Utah cities, including Provo and Veyo, though GEICO takes the top spot in Bountiful, Salt Lake City and West Jordan.


Mexican Hat	Kemper	$84	$191	12%
Veyo	Kemper	$103	$203	11%
Bountiful	Geico	$112	$204	14%
Provo	Kemper	$119	$228	11%
Salt Lake City	Geico	$130	$238	15%
West Jordan	Geico	$132	$236	13%
West Valley City	Kemper	$135	$262	11%

Best SR-22 Insurance Companies in Utah

Progressive earns the top overall ranking for SR-22 insurance in Utah, offering strong coverage options. Progressive is the best fit for SR-22 drivers who want to balance cost with reliable protection while reinstating their Utah license. Its broad discount availability and competitive SR-22 rates make it a practical choice for most Utah drivers working through the filing process.

GEICO ranks second among the best car insurance providers in Utah based on affordability, making it a strong option for SR-22 drivers who prioritize keeping monthly costs as low as possible.


Progressive	4.81	4.92	4.85	4.56
Geico	4.61	4.93	3.26	4.4
Farmers	4.58	4.68	5	4.24
Allstate	4.54	4.68	4.24	4.35
UAIC	4.35	4.97	2.88	3.62

Top Pick for Best SR-22 Insurance in Utah

Progressive

Progressive offers SR-22 drivers in Utah minimum coverage starting at $145 per month, backed by one of the strongest coverage scores among top-rated Utah SR-22 insurers. The company posts an NAIC complaint ratio of 0.76, below the national average of 1.0, indicating fewer customer complaints than expected for its size. Our research found Progressive well-suited for SR-22 drivers who need reliable coverage options alongside competitive rates. The company holds an AM Best A+ financial strength rating.

Top Pick for SR-22 in Utah

GEICO

GEICO offers SR-22 minimum coverage in Utah at $133 per month, the second-lowest rate among top-ranked providers, with the second-highest affordability sub-score among all five scored insurers. The company's NAIC complaint ratio is 0.84, below the national benchmark of 1.0, reflecting above-average customer satisfaction for its market size. Our research found GEICO a strong pick for cost-conscious SR-22 drivers who want a nationally recognized insurer with thorough digital tools. GEICO holds an AM Best A++ financial strength rating.

How Much Is SR-22 Insurance in Utah?

Utah drivers with a DUI pay an average cost of car insurance in Utah of $110 per month for SR-22 minimum coverage, compared to $71 per month for drivers with a clean record, a 55% increase for having a DUI on your record. Other violations, such as speeding (11 to 15 MPH over) and texting while driving, carry lower SR-22 surcharges. Use MoneyGeek's car insurance calculator to estimate your specific rate.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	$110	$1,317	+$39/mo
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$103	$1,241	+$32/mo
Speeding 11-15 MPH over limit	State Minimum Liability Only	$83	$1,000	+$12/mo
Texting While Driving	State Minimum Liability Only	$82	$984	+$11/mo

SR-22 FILING FEE IN UTAH

Utah insurers charge a one-time filing fee to submit your SR-22 to Utah Driver License Division (DLD). Fees run $15 to $25. This fee is separate from your insurance premium and from the $30 DLD reinstatement fee paid directly to the state to restore your driving privileges.

Utah SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Utah Driver License Division (DLD) to confirm you carry the state's minimum required coverage. Utah requires SR-22 filings for three years following serious violations such as DUIs, reckless driving convictions, driving without insurance, or license suspension. Common triggers also include accumulating too many points on your driving record within a set period.

If your SR-22 coverage lapses at any point, your insurer is required to notify the Utah DLD immediately and your license will be suspended with no grace period. The three-year clock resets from scratch when a lapse occurs. Reinstating your license requires a new SR-22 filing and a $30 reinstatement fee paid through the Utah DLD portal or by mail. If you've been denied coverage by standard insurers, learn about low-income car insurance in Utah as a fallback option.

Utah Minimum Liability Limits

Utah law requires all drivers, including those with an SR-22, to carry at least the following minimum liability coverage limits, known as 25/65/15.

$25,000 Bodily Injury Per Person

Covers up to $25,000 in medical expenses for a single person injured in an accident you cause. This limit applies per injured individual, not per accident.

$65,000 Bodily Injury Per Accident

Covers up to $65,000 total for all bodily injuries in a single accident. Utah's per-accident limit of $65,000 is structured differently from the more common $50,000 or $100,000 seen in other states, sitting between those national benchmarks.

$15,000 Property Damage

Covers up to $15,000 for damage you cause to another person's vehicle or property. Utah's $15,000 property damage minimum is on the lower end nationally, and many financial advisors recommend purchasing higher limits to avoid out-of-pocket exposure in a serious accident.

SR-22 Filing Types in Utah

Utah issues two types of SR-22 certificates depending on whether you own the vehicle you are insuring. Unlike some states such as Virginia and Florida, Utah does not use the FR-44 form: all filings use the standard SR-22.

Owners Certificate

Filed for drivers who own the vehicle they are insuring. This is the most common SR-22 type and is attached to a standard auto insurance policy covering your owned vehicle.

Operators Certificate

You can get non-owner SR-22 insurance if you don't own a vehicle. Filed with the Utah Driver License Division (DLD).

SR-22 Fees, Lapse Rules and Filing Process

Utah's $30 reinstatement fee is among the lowest in this series, and its distinctive 25/65/15 minimum liability structure, with a $65,000 per-accident limit, makes it the only state in this series where the bodily injury per-accident minimum falls between the $50,000 and $100,000 common elsewhere.

SR-22 Filing Fee

Utah insurers charge a one-time fee of $15 to $25 to file your SR-22 with the Utah Driver License Division (DLD). This is a carrier-set fee, separate from your monthly premium and from the $30 DLD reinstatement fee.

Coverage Lapse Consequences

License suspended immediately with no grace period. The three-year SR-22 clock restarts from scratch. A new SR-22 and the $30 reinstatement fee are required before your license can be reinstated.

Filing Process

Your insurer files electronically with the Utah Driver License Division (DLD). The certificate is submitted within 24 to 48 hours. The Utah Driver License Division confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers have denied you coverage, you may qualify for the Utah Automobile Insurance Plan (UTAIP), which provides state minimum liability coverage (25/65/15) as a last resort. Apply through any licensed Utah insurance agent. UTAIP rates are higher than voluntary market rates.

SR-22 Insurance in Utah: Bottom Line

Kemper is the cheapest SR-22 car insurance provider in Utah at $127 per month for minimum coverage, the lowest rate available among providers analyzed. Progressive is the best pick for SR-22 drivers who need strong coverage options and reliable claims service to protect themselves during the three-year filing period. Before your SR-22 requirement ends, contact your insurer to confirm the exact removal date and request written confirmation that the filing has been lifted with the Utah DLD.

Frequently Asked Questions About SR-22 Insurance in Utah

Who has the cheapest SR-22 car insurance in Utah?

Kemper offers the cheapest SR-22 car insurance in Utah at $127 per month for minimum coverage among providers analyzed for a 40-year-old driver with good credit. GEICO is the second-cheapest at $133 per month. Rates vary based on your specific violation, age, credit score and the city you live in, so comparing multiple quotes before purchasing is the most effective way to find the lowest rate.

How much does SR-22 insurance cost for a DUI in Utah?

Utah drivers with a DUI (BAC >= .08) pay an average of $110 per month for SR-22 minimum coverage. That's $39 more per month than the clean-record average of $71 per month, a 55% surcharge for the DUI violation. Full coverage for DUI drivers costs more, and comparing quotes from multiple SR-22 insurers is the most effective way to reduce your premium.

How long do you need an SR-22 in Utah?

Utah requires most drivers to maintain an SR-22 for three years from the date of the qualifying violation or license suspension. The clock runs continuously only if your coverage stays active. Any lapse, even a single missed payment, causes your insurer to notify the Utah Driver License Division (DLD), your license is immediately suspended, and the three-year period restarts from scratch.

Does Utah allow insurers to use credit scores when pricing SR-22 policies?

Yes. Unlike California, which prohibits the use of credit scores in auto insurance pricing, Utah allows insurers to factor your credit-based insurance score into your premium. Drivers with poor credit will pay more for SR-22 coverage than those with good credit, even for the same violation. Improving your credit over your SR-22 period can help lower your rates at renewal.

How much does the SR-22 filing fee cost in Utah?

Utah insurers charge a one-time SR-22 filing fee of $15 to $25, set by the individual carrier. This fee is paid at policy inception and covers the cost of electronically submitting the certificate to the Utah Driver License Division (DLD). It is separate from your monthly insurance premium and from the $30 DLD reinstatement fee, which you pay directly to the state to restore your driving privileges.

What happens if a Utah insurer denies me SR-22 coverage?

If two or more standard market insurers deny you coverage, you may be eligible for the Utah Automobile Insurance Plan (UTAIP), the state's assigned risk pool. UTAIP provides access to state minimum liability coverage (25/65/15) as a last resort for high-risk drivers who cannot get coverage in the voluntary market. You can apply through any licensed Utah insurance agent. Expect to pay higher premiums than you would in the standard market, but UTAIP allows you to meet the SR-22 requirement and reinstate your license.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Utah cities and violation types. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations including DUIs, speeding convictions and at-fault accidents. Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (25/65/15) and full coverage (100/300/100 with $1,000 deductible).

SR-22 rate data and provider scores were last updated in 2025 using the most recent available data from Quadrant Information Services. MoneyGeek reviews and updates this page regularly to reflect current market conditions in Utah.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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Sources

Progressive. "Progressive insurance reviews." Accessed May 16, 2026.