Cheap SR-22 Insurance in Utah From $73
USAA offers the cheapest insurance for drivers with an SR-22, at $73 per month.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Updated November 20, 2024
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Table of contents
Driving without car insurance or while intoxicated could result in license suspension and fines. Additionally, you may need to file an SR-22 certificate proving you have state-mandated minimum liability insurance. Having an SR-22 classifies you as a high-risk driver, and you’ll likely pay more for insurance.[1]
Here’s what to know about SR-22 insurance in Utah and how to find affordable coverage.
Quick Facts
Utah state law requires holding an SR-22 certificate for three years.
Not all auto insurance companies provide SR-22 insurance in Utah.
Drivers can remove the SR-22 filing after the term.
Cheapest companies for SR-22 insurance in Utah
Your car insurance rates will rise if you need an SR-22 form. But it’s still possible to find affordable coverage. Here are some of the cheapest companies for SR-22 insurance in Utah.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $73 | $111 |
| Root | $88 | $128 |
| Auto-Owners | $90 | $135 |
| Sun Coast | $92 | $159 |
| State Farm | $98 | $148 |
| Progressive | $104 | $157 |
| GEICO | $105 | $158 |
| National General | $105 | $178 |
| Safeco | $114 | $147 |
| Dairyland | $122 | $262 |
| American Family | $124 | $187 |
| Allstate | $134 | $201 |
| GAINSCO | $143 | $299 |
| Nationwide | $145 | $221 |
| The General | $147 | $233 |
| Bristol West | $162 | $299 |
| Farmers | $172 | $261 |
| Liberty Mutual | $209 | $251 |
| State Auto | $227 | $342 |
| Direct Auto | $380 | $620 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Utah?
Driving under the influence or without valid insurance are the most common reasons for an SR-22 certificate in Utah. Typically, the state or a court order will let you know if you need an SR-22. The certificate shows that you’ve met the minimum requirements for insurance set in Utah. You may also see an SR-22 called a certificate of financial responsibility.
An SR-22 form isn’t a type of insurance but rather a form that goes with your insurance policy. Drivers with an SR-22 requirement generally must continue filing for a minimum of three years, at which point they can request its removal.
Your insurance company will file your SR-22 form. Standard car insurance provides coverage, while the SR-22 form shows proof of coverage.
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Difference between SR-22 and FR-44
Both SR-22 and FR-44 forms prove financial responsibility. Utah drivers only need to contend with SR-22 forms, which proves that you carry the state’s minimum amount of coverage.
Only two states require FR-44 forms: Florida and Virginia. While this form is similar to an SR-22 form, FR-44 forms require more than the state minimum amount of coverage and are used for more serious offenses. Utah doesn’t use FR-44 forms, but if you move from the state to Virginia or Florida, you may need to file one.
When you need SR-22 insurance
Driving without proof of insurance is one of the top reasons why people need an SR-22 certificate in Utah. Additionally, reckless driving, multiple traffic violations, or DUI convictions may also necessitate an SR-22 filing. All these examples are major offenses and put you in a high-risk category in the eyes of insurers.
The state may even suspend your driver’s license. If this happens, securing an SR-22 can help reinstate it.
How to get SR-22 insurance in Utah
If you need to file an SR-22 certificate, you’ll need to get SR-22 insurance from a company that offers it. Here’s what to do if you need Utah SR-22 insurance:[2] [3]
1. Reach out to your car insurance company
Contact your current insurance company and ask if it can file an SR-22 form. When filing, you’ll typically pay a fee of about $25. Your insurance company will submit the SR-22 form to the Utah Division of Motor Vehicles (DMV). You may need to provide documentation, such as the court order or state requirement.
2. Maintain liability insurance
To ensure you get back in good standing and continue to meet the SR-22 requirement, maintain the minimum liability coverage. In Utah, the liability coverage limits are $25,000 in bodily injury per person, $65,000 in bodily injury per accident, $15,000 in property damage liability per accident, and $3,000 in personal injury protection.
Be aware that after Jan. 1, 2025, these limits will increase to $30,000 in bodily injury per person and $25,000 in property damage liability per accident. It’s crucial to keep your SR-22 insurance for three years. If your coverage lapses, you’ll have to restart.
3. Confirm with the Utah DMV
Once you’ve finalized the process, confirm that the Utah Division of Motor Vehicles has your SR-22 form.
How long Utah requires SR-22 insurance
Utah typically requires drivers to maintain SR-22 insurance for at least three years. In general, most drivers in Utah have an SR-22 for not meeting the proof of insurance requirement. The length of time can vary by the offense.
Filing an SR-22 costs $25. You may need to pay every year you refile, so it’s important not to extend your SR-22 requirement.
To move forward with an SR-22 certificate, contact your current insurance company and ask if it can file an SR-22. Not all companies provide SR-22 insurance, so you may need to switch insurers. Before doing so, get multiple insurance quotes to find the best car insurance coverage.
The Utah Driver License Division now has an SR-22 portal to submit certificates, according to the Utah Department of Public Safety.
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How SR-22 insurance affects driving record and future rates in Utah
If you need SR-22 insurance in Utah, your premiums will increase due to the inciting event. While you maintain the SR-22 certificate during the three-year requirement, you can take steps to lower insurance costs and improve your driving record:
Look for discounts. Though your rates go up after you need an SR-22, you can still check with your insurance company for other discounts you may qualify for, such as bundling.
Avoid a lapse in coverage. To avoid further rate increases or problems, maintain your car insurance and continue to file the SR-22 certificate without interruption each year of your requirement.
Drive safely. Drive safely and with valid insurance coverage to avoid another SR-22 requirement. Safe driving can even get you a discount on your premium.
Complete a defensive driving course. Some insurance companies provide a discount if you complete a state-certified defensive driving course.
Shop around. Whether your existing insurance company provides SR-22 insurance in Utah or not, shopping around is a good idea. Compare quotes from reputable insurers to help you find affordable coverage.
Utah SR-22 insurance FAQs
If you need SR-22 car insurance in Utah, you may have additional questions about getting coverage and potential costs. Here’s some more information that can help.
How do you know if you need an SR-22?
If you need an SR-22 or FR-44 certificate, you’re generally notified by court order or by your state. After driving without car insurance or having a first offense like a DUI or reckless driving, you typically need an SR-22 to show you have the state’s minimum insurance requirements. If you have a question, you can reach out to the Utah DMV.
Are there any fees with SR-22 insurance?
The typical filing fee for an SR-22 certificate is $25. But fees can vary depending on your state and your insurer. To pay the fee, you may need to pay up front or have the fee included in your car insurance costs.
How much do car insurance rates increase after filing an SR-22?
How much car insurance rates go up after filing an SR-22 depends on the offense. For example, Utah drivers with a DUI pay an average of $171 for liability coverage per month. Drivers with a clean record pay $108 per month, on average.
The severity of the event will affect your new SR-22 rates. In addition to rate increases, filing an SR-22 certificate typically incurs a fee of $25.
How long do you have to hold an SR-22 in Utah?
High-risk drivers in Utah need to hold an SR-22 for at least three years. After three years, Utah drivers can contact their insurance company about removing the SR-22. An SR-22 shows proof of financial responsibility and that you hold the minimum liability requirements in Utah. Any lapses in coverage could extend your SR-22 requirement.
How do you get rid of an SR-22 in Utah?
To get rid of your SR-22 car insurance in Utah, contact your insurance company after the three-year term and request that it remove it. After you remove your SR-22 certificate, keep your car insurance policy active and avoid insurance lapses to avoid another SR-22.
What happens to your SR-22 in Utah if you move?
If you move, you typically need to keep your SR-22 insurance in Utah for a minimum of three years. Your SR-22 doesn’t necessarily move with you, so don’t cancel it to remain in good standing. Contact your insurer to notify it of the move and ask how to proceed.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Utah
Sources
- Utah Uninsured Motorist Provisions. "Fines and Penalties."
- Utah.gov. "Insurance."
- Utah.gov. "Utah Code Section 31A-22-304."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
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