Cheapest SR-22 Car Insurance in Utah

Progressive offers the cheapest SR-22 insurance in Utah at $46 monthly for minimum coverage, 49% less than the state average of $90. American Family has the lowest full coverage rate at $95.

Auto-Owners offers Utah's cheapest non-owner SR-22 insurance at $42 monthly or $500 annually. Consider non-owner insurance if you need minimum coverage but don't own a car. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Utah for drivers with an SR-22 is $1,080 annually for minimum coverage, 61% higher than the $671 average for those with clean records.

For full coverage, SR-22 drivers pay around $1,980 annually, while clean-record drivers pay about $1,227, marking a 61% increase.

Having an SR-22 form doesn't increase your insurance rate on its own. Instead, your premium depends on your violation type. Use the table below to compare SR-22 insurance prices in Utah for common violations across age groups.

An SR-22 isn't insurance but a form that proves you meet the state's minimum coverage requirements. Utah drivers with certain violations must file an SR-22 to reinstate their license. Insurers consider these drivers high-risk, often resulting in higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for insurance. It’s a certification from your insurer confirming you meet the insurance requirements to reinstate your driving privileges. This is essential for complying with Utah’s Financial Responsibility law.

In Utah, having an SR-22 is required for three years after serious traffic violations. This form certifies to officials that you meet the state's minimum coverage requirements. To comply with Utah's SR-22 laws, drivers must carry these state minimums:

• $30,000 personal injury liability per person
• $65,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $3,000 personal injury protection (PIP) per accident

In Utah, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Utah's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Utah during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 insurance coverage for the entire period. If you don't have coverage, you'll need an SR-22 insurance quote. Finding insurance with an SR-22 can be tougher than for drivers with clean records. Insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Utah may find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers drivers who don't own a vehicle but often drive. It protects you when driving someone else's car and is ideal for those who rent cars or drive for rideshare services. The policy covers third-party injuries or property damage if you're at fault in an accident. It's often cheaper than standard coverage. 

Compare quotes from different insurers to find the best rates. After purchasing a policy, your insurer can file an SR-22 form, ensuring compliance with state law and helping reinstate your license after three years.

Utah drivers with severe offenses need an SR-22 to meet state minimum coverage requirements. For serious or repeat offenses, carry it for three years. Although SR-22 rates are higher, cheap car insurance providers in Utah are available.

Below are frequently asked questions about SR-22 certifications in Utah:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Utah drivers with various profiles and needs.

Utah Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Utah's minimum coverage requirements, with the following limits:

• $30,000 personal injury liability per person
• $65,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $3,000 personal injury protection (PIP) per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.