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.
Cheapest SR-22 InsuranceUtahCheapest 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.
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.
| Progressive | Annual Premium$531 | Monthly Premium$44 |
| State Farm | Annual Premium$556 | Monthly Premium$46 |
| American Family | Annual Premium$719 | Monthly Premium$60 |
| Farmers Union Insurance | Annual Premium$788 | Monthly Premium$66 |
| Farmers | Annual Premium$887 | Monthly Premium$74 |
| Kemper | Annual Premium$901 | Monthly Premium$75 |
| Allstate | Annual Premium$920 | Monthly Premium$77 |
| Nationwide | Annual Premium$947 | Monthly Premium$79 |
| GEICO | Annual Premium$984 | Monthly Premium$82 |
| Iowa Farm Bureau | Annual Premium$1,194 | Monthly Premium$99 |
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:
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.
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.
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.
| Auto-Owners Insurance Co | Annual Premium$500 | Monthly Premium$42 |
| GEICO | Annual Premium$641 | Monthly Premium$53 |
| Nationwide | Annual Premium$736 | Monthly Premium$61 |
| State Farm | Annual Premium$842 | Monthly Premium$70 |
| Progressive | Annual Premium$861 | Monthly Premium$72 |
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.
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.
| At-Fault Accident | Annual Premium$780 | Monthly Premium$65 |
| DUI | Annual Premium$875 | Monthly Premium$73 |
| Clean | Annual Premium$517 | Monthly Premium$43 |
| Ticket | Annual Premium$649 | Monthly Premium$54 |
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.
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.
Annual Premium for Minimum Coverage
$530
Annual Premium for Minimum Coverage
$875This is 65% more expensive.
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.
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.
Your insurance company might immediately cancel your policy if you commit a severe driving violation and need to submit an SR-22.
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.
You might also have to pay a one-time SR-22 filing fee ranging from $15 to $50.
After committing a driving violation in Utah, you generally need to take these steps to get car insurance:
Filing an SR-22 form demonstrates to state authorities that your insurance policy meets Utah's minimum coverage requirements.
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.
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.
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.
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.
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.
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.
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.
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.
MoneyGeek has addressed the following frequently asked questions to help drivers in Utah understand how non-owner and SR-22 car insurance work:
Progressive offers the most affordable minimum coverage SR-22 car insurance in Utah, with an average annual cost of $531. State Farm is the cheapest full coverage option, charging an average of $1,004 annually. Non-owners can find the least expensive rates with Auto-Owners, which charges $500 per year.
The average cost of minimum coverage SR-22 car insurance for a driver with a DUI on their record in Utah is $875 per year. The average price for a full coverage policy is $1,589 per year. These figures represent an increase of $345 per year for minimum coverage and $624 per year for full coverage.
According to Utah state law, you must have an SR-22 on file for three years.
About Mark Fitzpatrick
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.
