Best Utah SR-22 Insurance in 2024
What are Utah SR-22 requirements?
If you’re a driver who has been convicted of a driving violation in the state of Utah, you may be required to file an SR-22 form by the state or the court. An SR22 form certifies that you have the minimum amount of liability insurance required in Utah. The form is filed with the Utah Department of Public Safety (DPS) by your car insurance company on your behalf. It’s often called SR22 insurance because it affects your car insurance coverage and cost.
Drivers who have committed high-risk traffic violations such as driving under the influence (DUI) or reckless driving must file an SR-22 form as proof of financial responsibility. An SR-22 policy is similar to a standard policy, except that it is more expensive due to the severity of the traffic violation. The filing fee is a small one-time charge, but a DUI or reckless driving charge on your driving record can drastically increase insurance premiums. On average, SR22 insurance after a DUI conviction in Utah costs 92% more than standard car insurance. Insurance after such serious violations will have higher rates compared to rates for drivers with clean records.
If you’re required by Utah to file an SR-22 form, you must maintain your SR22 insurance policy for the entire duration of your filing period. If your policy lapses, your car insurance company will need to notify the state that you no longer have an active SR22 insurance policy with the company. This could lead to your license and vehicle registration being suspended.
Generally, you must maintain your SR-22 insurance policy for a minimum of three years in Utah. However, the length of the filing period may depend on the severity of your offense. As long as you pay on time and keep a clean driving record, you will no longer need SR-22 insurance once your required time is up.
Once you no longer need SR-22 insurance, your car insurance rates may decrease, depending on the level of your offense. If your SR-22 insurance is cancelled or another driving offense occurred during your filing period, you may have to begin the process all over again.
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What are the SR-22 insurance limits in Utah?
An SR22 insurance form verifies that you have at least the minimum amount of car insurance coverage required in Utah. If you’re required to have SR-22 insurance in Utah, you’ll be required to have at least the following coverage:
- Liability:
- $25,000 for bodily injury coverage per person
- $65,000 for bodily injury coverage per accident
- $15,000 for property damage coverage per accident
- Personal injury protection:
- $3,000 per person
- Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $65,000 per accident
- Bodily injury caused by an underinsured motorist:
- $25,000 per person
- $65,000 per accident If you fail to file an SR-22 form in Utah when you’re required to, your vehicle registration may be suspended and you’ll be unable to register a new vehicle.
Who needs SR-22 in Utah?
SR-22s are required after you’ve committed certain traffic violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
An SR-22 filing is generally not required for minor violations such as a ticket or standard accident. If this is the case, drivers can shop around for the cheapest car insurance rates without paying the high costs related to SR-22 coverage.
How are Utah SR-22 insurance rates calculated?
Your Utah auto insurance rates may increase significantly if you need to file an SR22 form. Once you obtain SR-22 insurance, you’re placed into the category of a high-risk or non-standard driver. The specific amount you pay depends on many factors that go into the cost of SR-22 insurance, such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance in Utah is because of a DUI conviction. On average, drivers with one DUI conviction in Utah pay $1,913 per year for car insurance. That’s 92 % more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Utah drivers who have one DUI conviction from some of the largest companies in the state.
| Company | Car insurance rate |
|---|---|
| Progressive | $986 |
| Farmers | $1,257 |
| USAA* | $1,484 |
| American Family | $1,527 |
| Geico | $1,590 |
| Safeco | $1,729 |
| Nationwide | $1,750 |
| State Farm | $2,352 |
| Allstate | $2,384 |
| Auto-Owners | $3,630 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Alabama will differ. Rate data is provided by Quadrant Information Services.
While Utah SR-22 insurance policies are expensive, if you maintain your car insurance and SR-22 form for the duration needed all while keeping a clean driving record, your rates may go down over time.
How to get SR22 insurance in Utah?
To get SR22 insurance in Utah, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; you can’t file it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with your state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.
Even if your company does offer SR22 insurance, it may be a good idea for you to shop around for a new policy. Because SR-22 insurance significantly affects your rates in Utah and rates can vary by company, you may want to see if a different company can offer you a better rate.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Utah with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Utah, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
In addition to higher car insurance rates, you may be required to pay a fee to file an SR-22 form through your insurance company. This fee may range from $20 to $50 depending on the insurer you choose and the reason you’re required to file it.
Utah drivers may pay additional fees depending on their violation. For example, those convicted of a DUI may face many fees and fines. There is also a reinstatement fee in Utah to have your driver license reinstated after it has been suspended.
How are car insurance rates calculated?
When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history (in some states)
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.
How much car insurance do I need?
You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).
So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
How to save money on your car insurance?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How do we rank car insurance companies?
Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
- Cost
- Customer Service
- Overall Experience
- Claim service
- Purchasing experience
- Likelihood to recommend
Car Insurance Guide
Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.