Utah drivers with high-risk traffic violations like driving under the influence (DUI) or reckless driving on their record must file an SR-22. This form filled out by their insurance provider confirms their insurance meets the minimum insurance requirements in Utah. SR-22 policies are not different from standard car insurance policies, just more expensive due to the severity of the associated traffic violations. MoneyGeek found that the most affordable SR-22 car insurance provider in Utah, USAA, costs an average of $666 per year.
Utah SR-22 Insurance: What It Is and How Much It Costs
Which Utah Insurance Companies Offer the Cheapest SR-22 Insurance?
Due to the seriousness of the associated driving violation, SR-22 insurance is typically more expensive than a typical car insurance policy. The cost of the form itself is only a small one-time fee, but having a DUI or reckless driving charge on your record can increase insurance premiums dramatically. Minimum coverage SR-22 insurance in Utah costs about $1,044 per year when an SR-22 is filled due to a DUI. A typical policy in Utah without an SR-22 costs $694 per year, on average.
If you’re looking for cheap SR-22 insurance in Utah, there are some low-cost options available. MoneyGeek found that the most affordable company for SR-22 car insurance in Utah was USAA, with an average annual cost of $666 for a minimum coverage policy. USAA policies are only accessible to past and member armed forces members and family. The most affordable policy for all customers is State Farm, at $827 annually.
Cheapest Companies for SR-22 Insurance in Utah
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These costs are for a policy meeting the minimum car insurance requirements in Utah or a full coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. Average car insurance costs vary from provider-to-provider. Insurance expenses are higher if you have a serious violation because of increased premiums, filing charges and loss of good driver discounts. If you need SR-22 coverage in Utah and want affordable rates, it is advisable to compare quotes from at least three different insurance providers.
SR-22 insurance involves a filing cost, usually a one-time fee of $25.
SR-22 insurance can become more expensive because of the loss of good driver discounts.
The severity of the violation decides how much more the insurance costs: the graver the offense, the more expensive the policy.
What Is SR-22 Insurance in Utah? Who Needs It? How Do You Get It?
While usually referred to as “SR-22 insurance,” SR-22 is not a separate insurance policy. Rather, it is a form filled by your insurance providers through the state proving that you meet the minimum liability insurance coverage requirements in your state. SR-22s are needed by drivers with serious traffic violations, like reckless driving or DUIs, on their record. Insurance after a DUI can be more expensive than rates for drivers with clean records.
Drivers who require SR-22 coverage need to show that they meet minimum car insurance requirements in Utah. These include:
- $25,000 bodily injury liability per person
- $65,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- $3,000 personal injury protection
Who Needs SR-22 Insurance in Utah? And for How Long Do They Need It?
Violations that trigger the need for SR-22 coverage can differ from state to state. In Utah, the offenses that are most likely to require SR-22 coverage include:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
An SR-22 is usually not required after a minor violation like a ticket or standard accident. In those cases, drivers can shop around to find lower rates without paying the high costs associated with SR-22 coverage.
How long you need SR-22 insurance in Utah depends on your conviction, but the usual duration is three years. However, any lapse in coverage can result in longer periods.
How Do You Get SR-22 Insurance in Utah?
At your request, your insurance provider can electronically file an SR-22 with the state. Since SR-22 forms are needed by high-risk drivers, some providers might choose not to cover you if you need one. When you do obtain coverage, it will be at rates much higher than you had before your driving violation.
Non-Owner SR-22 Insurance in Utah
If you do not own a car in Utah or need proof of insurance to get a license, the most convenient car insurance coverage to purchase is the non-owner SR-22 insurance. You can use this policy to get your driving privileges reinstated if you are caught committing a traffic violation while using a rented or borrowed car.
Your driving license can get suspended as a result of any major traffic violations such as a speeding ticket, at-fault accident or a DUI. Typically, non-owner SR-22 insurance offers cheaper rates than what car owners pay in Utah, allowing drivers who borrow or rent cars to save money on their premiums.
The average cost of non-owner SR-22 insurance in the state is $801 per year. USAA offers the cheapest coverage at about $386 per year, followed by GEICO at roughly $520 per year. However, USAA policies are limited to military members and their families only.
The Average Cost of Non-Owner SR-22 Car Insurance in Utah
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MoneyGeek obtained the above scores using policies from drivers with a DUI on their driving record. The policies cover $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
FAQs About SR-22 Insurance in Utah
Drivers looking for SR-22 car insurance in Utah often have questions regarding rates, who to shop with and the form filing process. Find answers to some of the most commonly asked questions below.
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MoneyGeek analyzed car insurance premiums from 10 of the top insurance companies in Utah that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Utah. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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