Cheapest SR-22 Car Insurance in Utah (August 2024)


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An SR-22 is not an insurance policy, but a certificate proving you meet Utah's minimum coverage requirements after certain moving violations. It's filed by you or your insurer, and while the SR-22 itself doesn't alter rates, the associated violations can lead to higher premiums.

Progressive offers the most affordable SR-22 insurance at $547 per year. Following closely is American Family, with an annual rate of $740. These rates are for minimum coverage car insurance polices. For those who don't own a car but still need SR-22 coverage, Auto-Owners provides a competitive yearly rate of $500, and GEICO comes in at $641 annually.

MoneyGeek Logo IconCheapest SR-22 InsuranceUtah
2024

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

35,040Quotes Analyzed
 
14Companies Compared
 
48ZIP Codes

Cheapest SR-22 Car Insurance in Utah

The cheapest companies for minimum coverage SR-22 car insurance in Utah are:

  • Progressive: $46 per month, $547 per year
  • American Family: $62 per month, $740 per year

The least expensive providers for full coverage SR-22 insurance in Utah are:

  • American Family: $95 per month, $1,144 per year
  • Progressive: $100 per month, $1,195 per year

After a moving violation, expect to pay more for car insurance due to being labeled a high-risk driver. Nonetheless, affordable cheap SR-22 car insurance is achievable by comparing quotes. Whether you need state minimum coverage or full coverage car insurance, there are options to fit your budget.

Finding the cheapest provider for your SR-22 insurance in Utah can make a significant difference in your finances. Take the time to compare and choose wisely.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
Progressive$547$46
American Family$740$62
Farmers Union Insurance$806$67
Kemper$924$77
Nationwide$947$79
Farmers$1,106$92
Allstate$1,153$96
State Farm$1,151$96
GEICO$1,193$99
Auto-Owners Insurance Co$1,534$128
Iowa Farm Bureau$1,622$135
Compare Auto Insurance Rates

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

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

The companies with the cheapest non-owner SR-22 insurance in Utah are:

  • Auto-Owners: $42 per month, $500 per year
  • GEICO: $53 per month, $641 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension, revocation, or serious traffic violations. This coverage ensures that you meet the state minimum insurance requirements even without owning a car.

For those required to file an SR-22, it's crucial to find the most affordable non-owner car insurance to maintain compliance without overpaying.

Auto-Owners Insurance Co$500$42
GEICO$641$53
Nationwide$736$61
State Farm$842$70
Progressive$861$72
Unitrin$864$72
Kemper$864$72
Farmers$960$80
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for individuals who drive frequently but do not own a vehicle. It's ideal for those who rent cars or work as rideshare drivers, covering third-party bodily injury and property damage if you're at fault in an accident.

Non-owner vehicle insurance in Utah is generally more affordable than standard insurance. Comparing quotes from various insurers is the best way to find the most reasonable rates.

What Is SR-22 in Utah?

An SR-22 in Utah is a form that proves financial responsibility, not an insurance policy itself. It's filed by you or your insurer after certain violations like DUI, driving without insurance or repeat traffic offenses. Utah requires you to maintain an SR-22 for three years. Insurance companies must inform the state if your SR-22 is canceled, terminated, or lapsed.

An SR-22 insurance is a document your insurer files to the state to prove that you have minimum car insurance requirements:

  • $25,000 for bodily injury liability per person
  • $65,000 for bodily injury liability per accident
  • $15,000 for property damage liability per accident
  • $3,000 personal injury protection (PIP) per person

If you're without a car, you'll need SR-22 non-owner car insurance instead. Remember, an insurance card isn't enough; you need the SR-22 form.

Who Needs an SR-22 in Utah

Utah drivers who've faced a DUI, driven without insurance or committed serious traffic offenses may need to file an SR-22. This form, submitted by you or your insurance company, proves you have at least the state minimum coverage. It's a step to keep your driver's license active after certain violations. Typically, you'll need to maintain this for three years.

Below, we'll outline the types of convictions that trigger the need for an SR-22.

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    DUI Conviction

    Driving under the influence in Utah can lead to a mandate for SR-22 insurance to prove minimum coverage.

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    Uninsured Driving

    When pulled over and can’t provide proof of auto insurance, Utah drivers may be required to file an SR-22 as proof of future financial responsibility.

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    Serious Traffic Violations

    Serious traffic offenses in Utah, like reckless driving, can result in the need for SR-22 insurance certification.

How an SR-22 Impacts Your Car Insurance in Utah

Filing for an SR-22 in Utah can lead to more than just higher insurance rates and limited coverage options. You might also face additional filing fees, and there's a real risk that insurers could deny you coverage or cancel your policy mid-term. If you're required to file an SR-22, remember that any break in your insurance coverage could reset the clock on the mandatory period, which typically lasts for three years in Utah.

Knowing the consequences of not filing an SR-22 is just as important. If you're told you need one and don't file, you could lose your driving privileges.

Below is the list of how an SR-22 negatively impacts your car insurance:

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    Limited number of insurance options

    Residents of the Beehive State may find their choices narrowed when it comes to insurers willing to cover high-risk drivers post-SR-22 filing.

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    Possible policy cancellation

    Utah drivers should be aware that filing an SR-22 can lead to policy cancellation, leaving them in search of new coverage.

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    Long period of required filing

    After a serious traffic violation, Utahns are on the hook to maintain SR-22 documentation for three years, ensuring they meet the state minimum coverage.

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    Filing fees

    Utah imposes a filing fee for SR-22 forms, typically costing around $25, which is a small but necessary part of regaining driving privileges.

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WHAT TO DO IF NO ONE WILL INSURE YOU

Non-standard auto insurance is often the go-to for high-risk drivers with violations on their records. While these policies typically come at higher costs, they provide a necessary coverage solution for those who might not qualify for standard insurance due to their driving history.

Average Cost of SR-22 Car Insurance in Utah

The average annual cost of SR-22 car insurance for drivers with a DUI in Utah is $1,957 for full coverage and $1,066 for state minimum coverage. In contrast, drivers with a clean record pay $1,199 for full coverage and $648 for state minimum coverage. This shows a significant increase for those with a DUI.

The severity of your offense impacts your premiums more than the SR-22 certificate itself. Serious violations or repeat offenses can lead to higher rates or even non-renewal of your policy. Insurers consider these factors when determining your rates. The SR-22 certificate is typically required for 3threeyears. During this time, you must maintain minimum liability coverage of 25/65/15. Meeting these requirements is essential to keep your insurance valid.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$648$54
Speeding Ticket$789$66
At-fault Accident$947$79
DUI$1,066$89

How to Get SR-22 Car Insurance in Utah

Filing an SR-22 in Utah is essential after certain violations like DUI or driving uninsured. Non-compliance can lead to severe penalties. This state-mandated certificate proves you carry at least the minimum coverage for three years.

Here are the steps to secure an SR-22 in Utah:

1
Determine if you need an SR-22

If you've been charged with a DUI, found driving without insurance, or committed serious traffic offenses in Utah, you may be ordered by a municipal court to file an SR-22 to prove you have the state minimum coverage.

2
Contact your insurance provider

Reach out to your current insurance company to request an SR-22 filing. Some carriers may not support SR-22 policies, so you may need to find a new insurer.

3
Review your coverage

Ensure your policy meets Utah's minimum liability coverage requirements of 25/65/15 to comply with the SR-22 certification.

4
Pay the SR-22 fee

There will be a fee for filing an SR-22, typically around $25. Your insurance provider will inform you of the exact cost.

5
Confirm filing with the state

After your insurer files the SR-22, confirm with Utah's Driver License Division that your SR-22 is on file and your driving privileges are reinstated.

6
Maintain your insurance policy

Keep your insurance policy active and up to date. If your policy lapses, your insurer is required to notify the state, which could lead to a suspension of your driving privileges.

If your SR-22 in Utah lapses, your driving rights will be suspended again. You need to keep minimum coverage for three years after certain violations. If your SR-22 ends, your insurance company must tell Utah. The cost to get a new SR-22 isn't listed here.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you've completed the mandatory three-year SR-22 period in Utah, your insurance provider will file a Financial Responsibility Cancellation Form. This tells the state you've maintained minimum coverage and fulfilled the requirement.

How to Save on Car Insurance in Utah After a Violation

A DUI can hike up your car insurance costs. For example, Utah drivers with a clean record might pay an annual premium of around $645 for state minimum coverage. That number jumps to about $1052 after a DUI. But don't lose hope; you can still unearth car insurance after a DUI that won't break the bank. When you need an SR-22, it's key to shop around to find the most wallet-friendly option that meets Utah's coverage requirements.

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    Complete Dui Classes or Programs

    Enrolling in state-recommended DUI classes can demonstrate your commitment to safe driving. Although completion of the class will not guarantee lower rates, this proactive step may help you with legal requirements and help you convince insurers to offer you more affordable rates.

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    Look for Discounts

    Even after a DUI, you might still be eligible for car insurance discounts. Check with your provider for options like bundling policies, installing safety equipment, insuring multiple vehicles, paying in full or setting up electronic billing to help reduce your premiums.

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    Compare Car Insurance Quotes

    Insurance costs can differ greatly among providers. To find the most affordable state minimum coverage, compare auto insurance quotes from different insurers to get the best deal.

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    Maintain a Clean Driving Record

    Post-DUI, it's crucial to keep your driving record spotless. Avoiding further infractions can gradually lower your insurance rates, as insurers will see you as less of a risk over time.

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    Choose a Higher Deductible

    Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can lead to lower monthly premiums. However, make sure you have the funds to cover this deductible in case of a claim.

Compare Auto Insurance Rates

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

FAQ: SR-22 Insurance in Utah

Finding affordable SR-22 insurance in Utah can be tough due to higher premiums. Get answers to your questions about securing cost-effective SR-22 car insurance options here.

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

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.