Cheapest SR-22 Car Insurance in Utah

UAIC provides the most affordable cheapest SR-22 insurance in Utah at $140 monthly for minimum coverage and $204 for full coverage, about 31% below the state's average rates. Keep in mind these rates apply to 40-year-old drivers with a DUI. GEICO, Progressive, Kemper and Farmers may offer better rates for your specific situation.

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

While UAIC leads for most drivers needing SR-22 insurance and those with racing violations, it only wins in two of seven categories studied. GEICO matches this with two category wins, offering particularly affordable rates for young drivers with suspensions and those with other violations.

* 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.

Our analysis identified the top insurance providers overall, but your rates depend on personal factors like age and driving record. The table below matches you with affordable options by comparing rates across five major insurers based on your age, gender, coverage needs, credit score and driving history.

GEICO provides the cheapest SR-22 car insurance in Utah, with rates starting at $130 per month in Salt Lake City. You can review its rates for major cities across Utah below.

* 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.

SR-22 car insurance in Utah costs $1,812 annually for minimum coverage and $3,071 for full coverage policies. Utah ranks 22nd most affordable for minimum coverage and 17th for full coverage nationwide. Monthly rates vary from $101 to $820, depending on individual driver factors.

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

Based on our analysis of Utah SR-22 insurance rates, Mexican Hat offers the lowest monthly premiums at $107, while West Valley City has the highest at $164. You can review costs for major cities in the state for both full and minimum required coverage policies.

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

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.