Cheapest SR-22 Car Insurance in Utah (2024)

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Updated: May 20, 2024

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MoneyGeek found that Progressive and State Farm offer the cheapest SR-22 car insurance in Utah, charging an average of $531 and $556 per year, respectively. Auto-Owners Insurance Co and GEICO are the most affordable options for non-owner car insurance, with average costs of $500 and $641 per year, respectively.

An SR-22 form demonstrates that your policy meets the state’s minimum requirements and helps you reinstate your license in case of a suspension.

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Cheapest Companies for SR-22 Car Insurance in Utah

Why Trust MoneyGeek? Our team obtained data from the Utah Department of Labor and Regulations Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

35,040Quotes Analyzed
12Companies Compared

Cheapest Companies for SR-22 Car Insurance in Utah

MoneyGeek found out that the following insurers offer the least expensive SR-22 insurance in Utah for drivers with a DUI looking for minimum coverage:

These cheapest insurers for full coverage are:

Your insurance rates will generally increase after a driving violation. However, you can still find affordable SR-22 car insurance in Utah by shopping around and comparing quotes from multiple companies. See the table below for the cheapest car insurance companies offering SR-22 insurance in Utah and their rates. The rates range from $531 to $1,199 annually.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
ProgressiveAnnual Premium$531Monthly Premium$44
State FarmAnnual Premium$556Monthly Premium$46
American FamilyAnnual Premium$719Monthly Premium$60
Farmers Union InsuranceAnnual Premium$788Monthly Premium$66
FarmersAnnual Premium$887Monthly Premium$74
KemperAnnual Premium$901Monthly Premium$75
AllstateAnnual Premium$920Monthly Premium$77
NationwideAnnual Premium$947Monthly Premium$79
GEICOAnnual Premium$984Monthly Premium$82
Iowa Farm BureauAnnual Premium$1,194Monthly Premium$99
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What Is SR-22 in Utah?

An SR-22 is a mandated certificate of financial responsibility that you must file after being convicted of serious driving violations, like a DUI or reckless driving. It lets the state authorities know that your insurance policy meets the minimum liability coverage limits of the state. Some common reasons for filing this form include:

  • Being charged with DUI, DWI or other serious traffic violations
  • Multiple traffic offenses during a short amount of time
  • Driving without insurance
  • Being involved in an accident without sufficient insurance
  • Renewing a license that has been revoked or suspended

According to Utah law, you must keep an SR-22 on file for three years — which means you should have a policy that meets the state's minimum requirements for that duration.

Drivers generally don’t file an SR-22 themselves, as their insurer does it on their behalf and sends it to the relevant department. You should expect your rates to increase substantially after filing an SR-22, as insurers will consider you a high-risk driver.

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Once you’ve met the financial stability requirement, your insurer must file a Financial Responsibility Cancellation Form (SR-26) — letting the state authorities know your mandatory SR-22 filing period is over.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Utah

MoneyGeek found that the following insurers offer the cheapest non-owner SR-22 insurance in Utah:

USAA is particularly advantageous for individuals affiliated with the military, offering non-owner SR-22 car insurance at an annual premium of $425.

There are various situations where a non-owner driver may need to file an SR-22, such as when their vehicle is totaled or when they seek to reinstate their license.

The table below shows Utah's cheapest car insurance companies for non-owner vehicle insurance and their rates. The average costs range from $500 annually to $960 per year.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$500Monthly Premium$42
GEICOAnnual Premium$641Monthly Premium$53
NationwideAnnual Premium$736Monthly Premium$61
State FarmAnnual Premium$842Monthly Premium$70
ProgressiveAnnual Premium$861Monthly Premium$72
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Non-owner car insurance is ideal for individuals who regularly use rental cars, work as rideshare drivers or do not own a vehicle but need to file an SR-22 form. This type of policy provides bodily injury and property damage liability coverage for others — protecting you from the cost of damages in case of an accident. You can find the cheapest non-owner car insurance in Utah by comparing rates.

Average Cost of SR-22 Car Insurance in Utah

The average cost of SR-22 insurance in Utah for a driver with a DUI on their record is $875 per year for minimum coverage and $1,589 per year for full coverage.

However, you might also need to file an SR-22 for other violations like speeding tickets or at-fault accidents. These driving offenses generally categorize you as a riskier driver, leading insurance providers to charge higher premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
At-Fault AccidentAnnual Premium$780Monthly Premium$65
DUIAnnual Premium$875Monthly Premium$73
CleanAnnual Premium$517Monthly Premium$43
TicketAnnual Premium$649Monthly Premium$54
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We recommend you compare your insurance rates yearly or when you renew your policy. It will help you secure the most affordable rates for SR-22 car insurance in Utah.

How SR-22 Affects Car Insurance Rates in Utah

MoneyGeek found that drivers filing an SR-22 in Utah can expect an average increase of $345 per year in their rates. Other factors that can influence premiums include driving history, coverage details and the nature of the offense.

In addition to serious driving violations, you might also need to file an SR-22 because of unpaid child support, not carrying insurance or committing multiple violations in a short period.

Car Insurance Rate Comparison Based on Driving Records in Utah

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

Car insurance premiums after a DUI are on average:$345 more

This is 65% more expensive.

Other Effects of SR-22 on Car Insurance in Utah

Aside from premium increases, filing an SR-22 form in Utah will affect your car insurance in many ways. MoneyGeek outlined the consequences of filing an SR-22 below.

Limited number of insurance options

Due to the SR-22 filing, insurance companies will view you as a high-risk driver; there are going to be fewer companies that will offer you an insurance policy.

Possible policy cancellation

Your insurance company might immediately cancel your policy if you commit a severe driving violation and need to submit an SR-22.

Length of required filing

In Utah, state law requires that drivers maintain an SR-22 on file for a period of three years. If there is a lapse in coverage during this time, the driver will be required to file it for an additional three years.

Filing fees

You might also have to pay a one-time SR-22 filing fee ranging from $15 to $50.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Get SR-22 Insurance in Utah

After committing a driving violation in Utah, you generally need to take these steps to get car insurance:

  • Look for an insurance provider that offers policies to drivers with offenses on their records.
  • Find a plan that meets the minimum coverage requirements of Utah.
  • Ask your provider to submit an SR-22 on your behalf.
  • Make sure to pay all fees on time.

Filing an SR-22 form demonstrates to state authorities that your insurance policy meets Utah's minimum coverage requirements.

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According to Utah law, you must pay a $40 fee to reinstate your license. However, this fee will increase to $85 if the reason for license suspension is an alcohol or drug-related offense. But know that these fees are subject to change, which makes it essential to check your local DMV for the most recent information.

How to Get Cheaper Car Insurance in Utah After a DUI

Generally, you will have to pay higher rates for car insurance after a DUI conviction. However, it's still possible to find affordable policies by shopping around and comparing quotes. Below, MoneyGeek listed some ways to get cheap SR-22 car insurance in Utah.

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    Compare quotes immediately

    By comparing your options, you can save a lot on your insurance premiums. Each insurer has its own underwriting criteria and processes, which results in different rates. By exploring multiple quotes, you can choose an insurer that offers the cheapest coverage for your needs.

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    Complete DUI classes or programs

    Taking a DUI education class can positively impact your insurance rates. By demonstrating your commitment to improving as a driver and making responsible choices, insurance companies may view you as a lower-risk driver and offer you lower insurance premiums.

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    Look for discounts

    You can save money by taking advantage of the discount offerings provided by your insurance provider. Many insurance companies offer discounts for your vehicle's safety features, bundled policies and defensive driving.

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    Practice safe driving

    The best way to qualify for lower insurance rates is to practice safe driving habits and refrain from driving recklessly. Insurance companies assess risk when determining premiums, and a clean record indicates that you are a responsible and low-risk driver.

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    Shop rates over time

    MoneyGeek strongly advises getting insurance quotes periodically as you improve your driving history and demonstrate responsible behavior on the road. Comparing quotes from different insurers can help you make sure that you are getting the best possible rates.

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Non-standard auto insurance plans are also suitable for drivers with poor driving histories. While the cost may be higher, non-standard auto insurance may allow you to obtain necessary coverage when traditional insurance options are limited or unavailable.

Frequently Asked Questions About SR-22 Insurance in Utah

MoneyGeek has addressed the following frequently asked questions to help drivers in Utah understand how non-owner and SR-22 car insurance work:

What are the cheapest SR-22 car insurance options in Utah?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Utah?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.