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

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.

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.

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.

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.

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.

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:

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.

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:

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.

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.

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.