Cheapest SR-22 Car Insurance In Utah 2026
For Utah drivers needing SR-22 insurance, Progressive provides coverage starting at $600 annually, focusing on liability.
We’ve saved shoppers an average of $600 per year on their car insurance.
Struggling to find cheap SR-22 insurance in Utah? You’re not alone. Several insurers increase rates by 25% to 100% or deny coverage altogether. After extensive research, I’ve identified the most cost-effective SR-22 providers to help you save money.
Using my background in insurance, I’ll explain costs, coverage options, and strategies to lower premiums, ensuring you find the right policy without overpaying.
Our Methodology
To identify the most competitive SR-22 insurance rates, we tailored our search for drivers with serious violations such as DUIs and reckless driving. One example we analyzed involved a 30-year-old male with average credit driving a 2017 Toyota Camry LE with full coverage:
• $50,000 bodily injury per person / $100,000 per accident
• $50,000 property damage per accident
• $50,000 uninsured/underinsured motorist per person / $100,000 per accident
• $500 deductible for both comprehensive and collision coverage
Insurance costs depend on factors such as location, driving history, and previous insurance records.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
What Is SR-22 Insurance?
SR-22 insurance acts as verification that you possess the state-required minimum auto insurance coverage, rather than serving as an insurance policy itself. Your insurance company files this certificate with the DMV to confirm your coverage.
Why Is SR-22 Insurance Required?
Common reasons for needing SR-22 insurance include:
- DUI or DWI offenses
- Driving without insurance coverage
- Reckless driving incidents
- Multiple traffic violations in a short period
- Being in an uninsured at-fault accident
- Having your license suspended or revoked
Typically, SR-22 must be maintained for about three years. Failing to keep it active can lead to a suspended license.
Example Scenario: Why You Might Need An SR-22
James was caught driving without insurance and caused an accident. Now, the state insists he file an SR-22 to prove he has adequate coverage before they’ll restore his license. His insurance costs more now, and he must keep SR-22 insurance for three years to maintain his driving rights.
What Is SR-22a Insurance?
In certain states like Missouri, Georgia, and Texas, SR-22a is a more stringent version of the SR-22 certificate, aimed at drivers with repeated traffic violations or financial responsibility issues.
| Feature | SR-22 Insurance | Sr-22a Insurance |
| Purpose | For drivers with a single serious violation (DUI, reckless driving, uninsured accident) | For drivers with multiple financial responsibility violations |
| States Required | Most states allow SR-22 | Typically required in Missouri, Georgia, and Texas |
| Premium Payment | Monthly payments allowed | Must prepay six months of premiums upfront |
| Strictness | Standard proof of insurance | Stricter enforcement for high-risk drivers |
| Non-Compliance Consequences | License suspension if coverage lapses | Immediate suspension with no grace period if coverage lapses |
Who Needs SR-22a Insurance?
An SR-22a could be necessary if you:
- Have been caught driving without insurance on multiple occasions.
- Have committed major or repeat traffic violations.
- Allowed your SR-22 to lapse or failed to comply with insurance regulations.
How To Get SR-22a Insurance?
- Search for an insurer that covers SR-22a filings – Not every provider offers this, so be prepared to check different companies.
- Prepay six months of insurance premiums – Unlike an SR-22, an SR-22a requires upfront payment.
- Your insurance company will submit the SR-22a to the DMV – Once processed, your driving privileges will be reinstated.
- Maintain continuous insurance – Any lapse in coverage resets the required period and could result in penalties.
Penalties For Not Maintaining SR-22a
Your license could be suspended immediately for failing to maintain your SR-22a policy, possibly requiring you to restart the filing period.
Cheapest SR-22 Insurance Companies In Utah
The most budget-friendly SR-22 insurance in Utah for liability coverage comes from these providers:
- Progressive – $600 annually
- American Family – $840 annually
- Farmers Union – $850 annually
Keep in mind that your premium depends on individual factors.
Cheapest SR-22 Insurance Policies With A DUI (Liability Only)
| Company | Annual Premium |
| Nationwide | $960 |
| American Family | $840 |
| Farmers Union | $850 |
| State Farm | $1,320 |
| Auto-Owners | $1,560 |
| Allstate | $1,200 |
| Progressive | $600 |
| Farmers | $1,200 |
| Geico | $1,220 |
| Iowa Farm Bureau | $1,680 |
Cheapest SR-22 Insurance With Full Coverage
In need of full coverage SR-22 insurance? These three insurers provide the lowest rates for policies that include both comprehensive and collision coverage:
- Progressive – $1,210 annually
- American Family – $1,200 annually
- Nationwide – $1,580 annually
Cheapest SR-22 Insurance Policies With A DUI (Full Coverage)
| Company | Annual Premium |
| Nationwide | $1,580 |
| American Family | $1,200 |
| Farmers Union | $1,860 |
| State Farm | $2,460 |
| Auto-Owners | $2,616 |
| Allstate | $1,944 |
| Progressive | $1,210 |
| Farmers | $1,980 |
| Geico | $2,304 |
| Iowa Farm Bureau | $3,072 |
The price of SR-22 insurance in Utah depends on:
- Traffic offenses – DUIs, reckless driving, and repeated violations increase premiums.
- Insurance provider – Some companies offer better rates for drivers with infractions.
- Residence location – Urban areas with high accident rates tend to have more expensive policies.
- Coverage type – Liability-only is cheaper, but full coverage provides greater protection.
Cheapest Non-Owner SR-22 Insurance Companies In Utah
A non-owner SR-22 insurance policy helps those who need an SR-22 but don’t own a car. It keeps you compliant with state laws and protects your ability to drive rented or borrowed vehicles. The most cost-effective options in Utah are:
- Auto-Owners – $510 annually
- Nationwide – $740 annually
- Geico – $645 annually
Below is a side-by-side comparison of these insurers.
| Company | Annual Premium |
| Auto-Owners | $510 |
| State Farm | $850 |
| Geico | $645 |
| Nationwide | $740 |
| Progressive | $870 |
What Is Non-Owner SR-22 Insurance?
- A non-owner SR-22 policy is a cost-effective option for drivers who need an SR-22 but don’t own a car.
- Covers liability for injuries and damage caused to others while driving a borrowed or rented vehicle.
- Does NOT include any coverage for the car itself.
- More affordable than traditional SR-22 insurance because it excludes vehicle-related protection.
Who Needs Non-Owner SR-22 Insurance?
A non-owner SR-22 policy might be required if:
- You need an SR-22 to reinstate your suspended license.
- You have a DUI or DWI conviction but do not own a vehicle.
- You frequently drive borrowed or rental cars and need liability coverage.
Practical Tip: Insurance costs can differ based on your driving background, location, and insurer’s policies. To find the most competitive rates, compare quotes from multiple sources and see if you qualify for discounts like safe driver benefits or combining policies.
Average Cost Of SR-22 Insurance In Utah
The expense of SR-22 insurance in Utah varies depending on the gravity of your driving violation. DUIs, at-fault accidents, and speeding tickets can all lead to significant increases in your insurance premiums. Here’s a comparison of the average costs of SR-22 insurance for different violations:
| Violation | Annual Premium (Liability Only) | Annual Premium (Full Coverage) |
| DUI | $1,100 | $1,960 |
| At-Fault Accident | $950 | $1,780 |
| Minor Violation | $620 | $1,480 |
How SR-22 Affects Car Insurance Rates
If you’re mandated to get an SR-22, expect a substantial increase in your car insurance premiums, primarily due to the initial offense, such as a DUI or reckless driving, rather than the SR-22 itself. On average, drivers experience a $993 annual rise in premiums after filing for an SR-22.
Here’s a general breakdown of how these violations affect car insurance pricing.
| Violation | Annual Premium Increase | Additional Fees |
| DUI | $1,000-$3,000 | $15-$25 SR-22 filing fee |
| At-Fault Accident | $500-$1,500 | $15-$25 |
| Driving Without Insurance | $600-$1,800 | $15-$25 |
| Reckless Driving | $800-$2,500+ | $15-$25 |
How To File An SR-22
Follow these steps in Utah to file an SR-22 and adhere to state statutes.
Find An Insurance Company That Offers SR-22 Coverage
Check with your current insurer regarding SR-22 filings; if they don’t provide it, compare rates from insurers specializing in high-risk driver insurance.
Purchase A Minimum Coverage Auto Insurance Policy
Before filing an SR-22 in Utah, you must possess at least the state’s minimum liability coverage. Your insurance carrier will incorporate the SR-22 form into your policy.
Pay The SR-22 Filing Fee
Your insurance provider imposes a one-time filing fee, generally between $15 and $25, to send the SR-22 form to the Utah DMV.
Wait For The DMV To Process Your SR-22
Processing your SR-22 form at the DMV typically takes 7 to 10 business days. You can confirm its approval by checking your driving record online or contacting the DMV.
Maintain Continuous Coverage For The Required Period
SR-22 is typically required in Utah for three years. It’s crucial to ensure your insurance remains active throughout this period. If your coverage is canceled, your insurance provider must inform the DMV, potentially leading to license suspension.
Request SR-22 Removal Once Your Requirement Ends
Once three years have passed, contact your insurance provider to request the removal of the SR-22 from your policy. Doing so might lower your premiums, as high-risk insurance rates often decrease once the SR-22 requirement is no longer active.
Writing Tip: If your insurer doesn’t offer SR-22 coverage, consider non-standard insurers specializing in high-risk drivers, such as Dairyland, The General, or Bristol West.
How Long Do I Need To Have SR-22 Insurance?
Each state has its own rules regarding how long an SR-22 is necessary. In Utah, you must have it for a minimum of three years, possibly up to five years depending on the circumstances. Remember, if you move out of state, you still have to fulfill this requirement.
What Can Affect How Long You Need An SR-22?
Your required SR-22 filing period depends on your traffic violation. Typical examples include:
- DUI/DWI convictions: 3-5 years.
- Reckless driving: 2-3 years.
- Driving uninsured: 1-3 years.
- Multiple traffic infractions: Usually 3 years, but it depends on state laws.
What Happens If You Let SR-22 Coverage Lapse?
Canceling or missing payments on your SR-22 policy before the required time ends will lead to your insurer notifying the DMV. This can result in:
- Suspension of your license
- Resetting your SR-22 obligation
- Increased car insurance rates
Other Effects Of SR-22 Insurance
Filing an SR-22 affects more than your insurance rates; it can also influence your driving privileges, financial options, and employment opportunities. Here’s a detailed look:
1. Increased Insurance Costs
One of the key consequences of an SR-22 is an insurance premium spike.
- DUI convictions: Costs may go up two to three times.
- Multiple infractions: Expect at least a 50% rate hike.
- Reckless driving: Higher premiums for 3-5 years.
2. Limited Insurance Options
Not all insurers offer SR-22 filings. Some companies drop high-risk drivers, forcing them to find coverage from non-standard insurers that charge higher premiums.
3. Risk Of License Suspension
Failing to meet SR-22 filing requirements may lead to an immediate suspension of your license. To drive again legally, you must:
- Pay all unpaid fines
- Reinstate your SR-22 policy
- Provide valid insurance documentation to the DMV
4. Potential Loss Of Car Registration
Your car’s registration may be suspended in some states if your insurance lapses, meaning you can’t legally drive or renew your license plates.
Example: California enforces automatic registration suspension for SR-22 noncompliance until valid insurance proof is received.
5. Employment Consequences
Having an SR-22 can restrict your job options, especially in fields requiring a clean driving record, such as:
- CDL trucking positions
- Uber, Lyft, and rideshare driving
- Courier and delivery services
Many companies won’t employ drivers with an SR-22 due to increased insurance risks.
6. Restrictions On Leasing Or Financing A Car
When securing a car loan, lenders check your driving record. If you need an SR-22:
- Loan rates may be less favorable.
- Certain financial institutions might decline approval.
- Lease agreements may be prematurely ended.
SR-22 Insurance State Requirements
Each state has its own SR-22 rules. For instance, Delaware, Kentucky, New Mexico, New York, North Carolina, and Oklahoma do not require SR-22 filings. Conversely, in states such as Florida and Virginia, you may need both SR-22 and FR-22 forms for specific violations like DUIs or DWIs.
| State | Alternative Form | When It’s Required |
| Florida & Virginia | FR-22 | For DUIs or reckless driving |
| Indiana | SR-50 | To verify past insurance coverage |
| Arkansas | SR-21 | Proof of insurance after an accident |
Distinguishing Factors:
- SR-22 – Required to prove future coverage responsibility.
- SR-50 – Used to confirm past insurance.
- FR-22 – Demands higher liability limits in certain states.
How Much Does Credit Score Affect SR-22 Insurance Costs
The cost of car insurance is heavily affected by your credit score, especially when an SR-22 is involved. Insurers use credit-based insurance scores to estimate the likelihood of claims being filed. Lower scores indicate higher risk and more costly premiums.
How Credit Score Impacts SR-22 Insurance Costs In Utah
How Credit and SR-22 Impact Premiums:
- Insurance companies charge drivers with poor credit 72% more on average.
- Those required to file an SR-22 see an 18% increase.
- The combination of both can lead to rates doubling.
| Credit Score | Average SR-22 Annual Premium | % Increase |
| Excellent (750+) | $961 | – |
| Good (700 – 749) | $1,132 | +18% |
| Fair (650 – 699) | $1,472 | +53% |
| Poor (600 -649) | $1,839 | +91% |
| Very Poor (below 600) | $2,225 | +131% |
Alternatives To SR-22
Compliance with SR-22 requirements varies by state; however, some states utilize different forms of financial responsibility. Explore these alternative options and their state-specific applications.
Can You Get Car Insurance Without An SR-22?
If you need an SR-22, you may have a few other options to explore:
- Assigned Risk Insurance: Some states have high-risk pools for drivers who struggle to find coverage.
- Non-Owner SR-22 Insurance: If you don’t own a car, this can be a more affordable option.
- Waiting Until the SR-22 Period Ends: If you can go without a car, you can avoid high premiums by waiting out the requirement.
How To Get Cheaper Car Insurance In Utah After A DUI
After a DUI, your car insurance may become more expensive, but you have options. Shop around for better rates, as some insurers are more lenient with DUI history. Seek discounts for bundling insurance or completing a safe driving course. Keeping a clean driving record is crucial—DUI-related increases last several years, but maintaining good habits can gradually reduce your rates.
FAQs
Do you need SR-22 insurance if you don’t have a car?
Absolutely, SR-22 insurance might still be needed even without owning a vehicle. If you’re required to have SR-22 because of a driving offense, securing a non-owner SR-22 policy is essential.
How do you get rid of SR-22?
Removing SR-22 insurance requires maintaining continuous coverage for the period mandated by your state. Once this period expires and you no longer require SR-22, you can request your insurer to delete it from your policy.
How much does SR-22 cost?
Depending on your state, driving history, and insurance provider, SR-22 insurance costs will vary. You’ll likely pay a $15 to $25 filing fee along with increased premiums.
About Cara Carlone
Cara Carlone is a Chartered Property Casualty Underwriter (CPCU) with 20+ years of experience in underwriting, portfolio management, and competitive analysis. She has led underwriting strategy at LOOP and produced market research at Amica Insurance. She now applies her deep industry expertise to create clear, accurate, and consumer-focused insurance content for Insuranceopedia. In her free time, she enjoys baking, reading, and listening to podcasts.