Cheapest SR-22 Car Insurance in Utah

Kemper provides Utah's lowest SR-22 insurance at $1,467 for minimum coverage and $1,996 for full coverage. The minimum rate is $804 below the state average of $2,271, or about 35% cheaper, offering solid savings in a relatively expensive Western market.

Allstate, the most expensive on our list, costs $1,835 for minimum coverage, still 19% below the state average but $368 more than Kemper. Utah shows moderate pricing differences between carriers compared to most states.

The table below lists the five companies providing the most affordable SR-22 coverage options in Utah.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

GEICO most frequently ranks as the low-cost leader across categories. The least expensive group is Drivers With Other Violations, at $926 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Drivers With Racing Violation, at $1,804 with UAIC. The $877 spread is unusually high, showing how racing violations carry steep penalties in Utah.

Your SR-22 rate ultimately reflects the severity of your violation and the insurer's evaluation of your risk profile.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Mexican Hat posts the lowest minimum coverage SR-22 at $1,242 (Progressive), while West Valley City averages $1,894 (UAIC). The $652 gap, or roughly 52% higher, aligns with population density, congestion, and claim frequency in the Salt Lake metro area.

Traffic intensity, repair costs, and theft risk explain much of the city-level SR-22 variance across Utah.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive stands out as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and useful coverage options, earning the highest overall MoneyGeek score. Consider GEICO, Farmers, Allstate and UAIC in your search as well.

To comply with Utah laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $65,000 personal injury liability per accident
• $15,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Filing an SR-22 for Utah's minimum coverage requirements is just one part of compliance. Drivers must also follow additional insurance laws and state regulations.

In Utah, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Utah:

MoneyGeek analyzed hundreds of thousands of quotes across Utah to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Utah SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Utah's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $65,000 personal injury liability per accident
• $15,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.