Utah SR22 Insurance Facts, Laws (Everything You Need to Know)

​Navigating the complexities of SR-22 insurance in Utah is essential for drivers who have encountered serious traffic violations or lapses in coverage. This comprehensive guide delves into the specifics of obtaining and maintaining SR-22 insurance in Utah, highlighting unique state requirements and offering practical advice to ensure compliance and financial responsibility.​

If you are looking for SR-22 rate information, such has which companies offer the cheapest SR22 in Utah, go here instead.

Understanding SR-22 Insurance in Utah

An SR-22 is not an insurance policy but a Certificate of Financial Responsibility that your insurer files with the Utah Department of Public Safety (DPS). This form verifies that you carry at least the state’s minimum required auto insurance coverage. It’s typically mandated after certain driving infractions to reinstate or maintain driving privileges. ​

Who Needs SR-22 Insurance?

In Utah, drivers may be required to file an SR-22 for reasons including:​

  • Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) Convictions: Serious offenses that often necessitate SR-22 filing.​
  • Reckless Driving: Operating a vehicle with willful or wanton disregard for safety.​The General® Car Insurance+8CheapInsurance.com+8Investopedia+8
  • Driving Without Insurance: Operating a vehicle without the state’s mandated minimum liability coverage.​
  • Accumulation of Multiple Traffic Violations: Repeated infractions within a short timeframe.​
  • At-Fault Accidents Without Insurance: Being responsible for an accident while uninsured.​

It’s important to note that while many states require SR-22 filings for DUI/DWI offenses, Utah primarily mandates SR-22 filings for drivers caught without insurance. ​ValuePenguin

Utah Minimum Liability Insurance Requirements

To comply with Utah law, drivers must carry liability insurance with at least the following minimum limits:​

  • $25,000 for bodily injury or death per person.​
  • $65,000 for bodily injury or death per accident.​
  • $15,000 for property damage per accident.​

These minimums ensure that drivers can cover costs associated with damages or injuries they may cause in an accident. ​

The Process of Obtaining SR-22 Insurance in Utah

Securing SR-22 insurance involves several key steps:​

  1. Contact Your Insurance Provider: Inform your insurer of the SR-22 requirement. Not all companies offer SR-22 filings, so it’s crucial to verify this.​
  2. Purchase an Auto Insurance Policy: Obtain a policy that meets or exceeds Utah’s minimum liability coverage.​Utah DMV+6DPS – Driver License+6Insurance.com+6
  3. Pay the SR-22 Filing Fee: Insurers typically charge a one-time fee of around $25 for filing the SR-22 form. ​
  4. Insurer Files the SR-22 Form: Your insurance company submits the SR-22 to the Utah DPS on your behalf.​
  5. Maintain Continuous Coverage: It’s imperative to keep your policy active without lapses throughout the mandated period, usually three years. ​

Duration of SR-22 Requirement in Utah

The standard duration for maintaining SR-22 insurance in Utah is three years. However, this period can vary based on the severity and frequency of offenses:​

  • First Offense: Typically requires SR-22 for three years.​
  • Subsequent Offenses: May extend the requirement beyond three years, depending on the nature of the violation.​

It’s essential to maintain uninterrupted coverage; any lapse can reset the required period and lead to additional penalties. ​

Consequences of Allowing SR-22 Coverage to Lapse

Failing to maintain continuous SR-22 coverage can lead to severe repercussions:​

  • License Suspension or Revocation: The Utah DPS may suspend or revoke your driving privileges upon notification of a lapse.​
  • Fines and Penalties: You may incur additional fines or an extension of the SR-22 requirement period.​
  • Increased Insurance Premiums: A lapse can label you as a high-risk driver, leading to higher future insurance costs.​

To avoid these outcomes, ensure timely premium payments and communicate promptly with your insurer regarding any potential issues. ​

Non-Owner SR-22 Insurance in Utah

For individuals who don’t own a vehicle but need to fulfill SR-22 requirements, Non-Owner SR-22 Insurance is an option:​

  • Coverage: Provides liability coverage when driving vehicles not owned by the policyholder.​
  • Cost: Generally less expensive than standard auto policies, with annual premiums varying based on individual circumstances. ​An Insurance Company You Can Rely On
  • Purpose: Satisfies legal obligations and reinstates driving privileges without owning a car.​

This type of policy is ideal for those who frequently rent or borrow vehicles.​

License Reinstatement Rules After SR-22 in Utah

To reinstate your license in Utah after a suspension tied to an SR-22 requirement, you’ll typically need to:​

  1. Maintain Active SR-22 Coverage: Ensure continuous coverage for the mandated period.​
  2. Pay Reinstatement Fees: Fees vary based on the nature of the offense. For example, a no-insurance conviction requires a $40 reinstatement fee. ​DPS – Driver License
  3. Complete Additional Requirements: Depending on the violation, you may need to complete defensive driving courses or other court

Utah Ignition Interlock Device (IID) Requirements After DUI

In Utah, an Ignition Interlock Device (IID) is often required for drivers convicted of alcohol-related offenses, including DUI or DWI.

When is IID Required?

  • First DUI Offense:
    Mandatory IID for 18 months, even if it’s your first DUI (if under 21, duration increases to 3 years).
  • Second Offense (within 10 years):
    Required for 3 years, with possible extension if you violate IID rules.
  • Underage DUI (under 21):
    Utah enforces zero tolerance. IID is mandatory for 3 years even on first offense.

How IID Works in Utah

  • Installed in your vehicle to prevent it from starting if alcohol is detected on your breath.
  • Must be professionally installed and monitored.
  • You are responsible for all costs: typically $75–$100 install fee, plus $60–$80/month monitoring.

Key Note:

You must submit proof of IID installation to the Driver License Division (DLD) before your license can be reinstated.

(utah.gov source)

Utah SR-22 Insurance Costs by Violation Type

Costs vary based on the reason you need the SR-22, your driving history, and your ZIP code.

Violation Type Monthly Premium Estimate 3-Year Total Estimate
DUI / DWI $120 – $200/month $4,320 – $7,200
Driving Without Insurance $100 – $160/month $3,600 – $5,760
Reckless Driving $110 – $170/month $3,960 – $6,120
At-Fault Accident (Uninsured) $105 – $160/month $3,780 – $5,760

💡 These prices include both your standard auto policy + SR-22 filing fees.

Which Companies Offer SR-22 Insurance in Utah?

Not every insurer is willing to file SR-22s, especially for high-risk drivers. These national and local companies do:

National Providers:

  • Progressive – Known for non-owner SR-22s and high-risk tolerance.
  • The General – Specializes in high-risk drivers.
  • Dairyland Insurance
  • Geico
  • State Farm
  • Nationwide
  • Bristol West (via brokers)

Local Utah Brokers:

  • Bear River Mutual (in some cases with DUI forgiveness programs)
  • American Insurance of Utah – Focus on reinstatements
  • Insurance Center of Salt Lake

💡 Independent brokers can often find better rates by comparing multiple providers at once.

SR-22 vs. Non-Owner SR-22 in Utah

Feature SR-22 Policy Non-Owner SR-22
Requires vehicle? ✅ Yes ❌ No
Covers owned vehicle? ✅ Yes ❌ No
Covers rental/borrowed? 🚫 Sometimes ✅ Yes
Cheapest option? ❌ Usually higher ✅ Usually lower
Ideal for Car owners People w/o vehicle

Non-owner SR-22s are great for people who:

  • Don’t currently own a car
  • Borrow or rent cars
  • Need to reinstate their license, but don’t plan to drive often

Utah-Specific Forms and Compliance Issues

While the SR-22 itself is standardized, Utah does have a few unique forms and administrative quirks:

Utah Driver License Division (DLD) May Also Require:

  • Compliance Status Check Form
  • Alcohol/Drug Assessment Verification
  • Proof of IID Installation
  • Court Clearance Documents (if DUI or reckless driving)

Failure to submit any required documents can delay license reinstatement.

Also:

  • Utah may require re-taking the written test after certain suspensions (especially DUIs).
  • A $65 reinstatement fee is common for SR-22-related offenses.

(utah.gov driver reinstatement info)

Tips to Save Money on SR-22 Insurance in Utah

Even if you’re labeled high-risk, there are ways to lower your premium:

  1. Compare quotes from at least 3 companies (especially Progressive, Dairyland, and brokers).
  2. Raise your deductible – This can reduce monthly costs.
  3. Bundle with renters/homeowners if possible.
  4. Choose a non-owner policy if you don’t need a full auto policy.
  5. Maintain a clean record – No new tickets = better renewal rates after 1 year.

When Does SR-22 End in Utah?

SR-22 requirements in Utah typically end after 3 years, as long as:

  • You’ve had no lapses in coverage.
  • No additional driving violations during the SR-22 term.
  • Your insurer files an SR-26 form to notify the state your SR-22 is no longer needed.

After that, you’re free to shop regular insurance policies — often at much better rates.

Your Utah SR-22 Questions Answered

  • Q: Where in Utah do I file my SR-22 paperwork?
    • A: Your insurance provider files the SR-22 form electronically with the Utah Department of Public Safety (DPS). Drivers do not directly file this paperwork themselves.
  • Q: Are Utah’s SR-22 requirements different for underage DUIs?
    • A: Yes. Utah has a “Not-a-Drop” law. Drivers under 21 face stricter IID requirements and longer SR-22 periods, even for first-time offenses.
  • Q: What are the specific reinstatement fees in Utah after an SR-22 period?
    • A: Reinstatement fees vary. For example, a no-insurance conviction typically incurs a $40 reinstatement fee. Always consult the Utah Driver License Division (DLD) website for the most current fee schedule.
  • Q: Does Utah require a written driving test after an SR-22 period?
    • A: Utah may require re-taking the written test after certain suspensions, particularly DUIs. Check with the Utah DLD for your specific requirements.
  • Q: Where can I find the Utah SR-22 portal for insurance companies?
    • A: Insurance companies utilize the Utah DLD’s SR-22 portal. The URL is dldsr22.ps.utah.gov.
  • Q: Are there any Utah-specific forms required in addition to the SR-22?
    • A: Yes. The Utah DLD may require forms such as the Compliance Status Check Form, Alcohol/Drug Assessment Verification, and proof of IID installation.
  • Q: How does Utah’s .05 BAC law affect SR-22 requirements?
    • A: Utah’s lowered BAC limit can result in more DUI convictions, thus increasing the number of drivers needing SR-22 filings.
  • Q: Where can Utah drivers find approved IID installation companies?
    • A: Information regarding approved IID installers can be found through the Utah Courts, or by contacting the Utah DLD.
  • Q: Are there any Utah local insurance companies that specialize in SR-22 coverage?
    • A: Yes, companies like Bear River Mutual, and American Insurance of Utah, and also Insurance Center of Salt Lake, provide SR-22 coverage.
  • Q: Where can I find the most up to date information regarding Utah SR-22 laws?
    • A: The Utah Department of Public safety, and the Utah Driver License Division websites are the best places to obtain the most up to date information.

Resolving Common Utah SR-22 Issues

  • Issue: Difficulty finding an insurer in Utah that files SR-22s.
    • Solution: Contact independent Utah insurance brokers who can access a wider range of providers.
  • Issue: Confusion about Utah’s IID requirements after a DUI.
    • Solution: Contact the Utah DLD or refer to the official Utah Courts website for IID guidelines.
  • Issue: Problems with the Utah DLD’s online SR-22 portal.
    • Solution: Contact the Utah DLD directly at 801-965-4786 or [email address removed].
  • Issue: Inaccurate information on my Utah driving record affecting my SR-22.
    • Solution: Contact the Utah DLD to correct any inaccuracies on your driving record.
  • Issue: Understanding the Utah compliance status check form.
    • Solution: Contact the Utah DLD, or check their website for instructions regarding that specific form.

Utah SR-22 Checklist:

Utah SR-22: Compliance Steps

  • Verify the reason for your Utah SR-22 requirement with the Utah DPS or court.
  • Gather required Utah-specific documents (e.g., court orders, compliance status check form).
  • Contact Utah-based insurers or brokers for SR-22 quotes.
  • Ensure your insurance policy meets Utah’s minimum liability requirements.
  • Confirm your insurer files the SR-22 with the Utah DPS.
  • Maintain continuous coverage per Utah’s mandated period.
  • Pay all Utah-specific reinstatement fees.
  • Comply with Utah’s IID requirements (if applicable).
  • Verify the insurer files the SR-26 form with Utah DPS, at the end of the required period.
  • Keep all documentation, and records of communication with the Utah DLD.

Conclusion

SR-22 insurance in Utah is manageable — but only if you understand what’s required, stay compliant, and avoid coverage gaps. Whether you’re dealing with a DUI, no-insurance citation, or a reinstatement, this guide gives you a clear path forward.

By choosing the right insurer, keeping your record clean, and watching deadlines, you can not only meet legal obligations but also reduce the cost and duration of your SR-22 requirement.

Sources

https://dmv.utah.gov/register/insurance

https://dld.utah.gov/sr22-portal/

https://le.utah.gov/xcode/Title41/Chapter12A/41-12a-S402.html

https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S303.html

https://le.utah.gov/xcode/Title41/Chapter12a/C41-12a-P4_1800010118000101.pdf

https://le.utah.gov/xcode/Title41/Chapter12a/C41-12a_1800010118000101.pdf

https://le.utah.gov/xcode/Title41/Chapter12a/41-12a-S303.2.html

https://dmv.utah.gov/faq/insurance

https://www.thegeneral.com/car-insurance/utah/

https://www.thegeneral.com/car-insurance/basics/sr22/

https://www.breatheeasyins.com/sr22-state-information/utah

https://archibald-insurance.com/sr22-insurance/

https://serenitygroup.com/sr22-insurance/utah/