- Understanding SR-22 insurance in Utah
- How much does SR-22 insurance cost in Utah?
- Average SR-22 insurance cost in Utah by violation
- Non-owners SR-22 insurance in Utah
- How long do you need an SR-22 in Utah?
- Reasons for requiring SR-22 insurance in Utah
- Tips to lower SR-22 insurance costs in Utah
- Methodology
- SR-22 insurance in Utah: FAQ
- Compare Utah SR-22 rates with other states
Understanding SR-22 insurance in Utah
SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Utah. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.
Most Utah drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Utah?
While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Utah is $2,199 but varies significantly based on the driver and infraction.
Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Utah by violation
Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.
For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.
This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $2,159 |
| DUI/DWI first offense | $2,865 |
| DUI/DWI second offense | $4,313 |
| Reckless driving | $2,951 |
| SR22 Filing Only | $2,199 |
| SR22 with 1 DUI | $3,354 |
SR-22 insurance cost by company for a first DUI
After a single DUI, the cheapest company on average is Progressive with average rates of $2,098. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.
Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn't as severe as with multiple infractions.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $2,098 | $175 |
| State Farm | $2,320 | $193 |
| Nationwide | $2,547 | $212 |
| GEICO | $2,744 | $229 |
| Allstate | $3,067 | $256 |
| Auto-Owners | $3,682 | $307 |
| Farmers | $5,258 | $438 |
| USAA | $2,380 | $198 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is State Farm, with an average annual rate of $2,320. Drivers can get reckless driving tickets for many reasons, such as excessive speeding, running red lights, texting while driving, or tailgating. No matter the reason, reckless driving in Utah results in fines, an SR-22 requirement, and increased car insurance rates.
Check the table below to see how average insurance rates for reckless driving compare across different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,320 | $193 |
| Nationwide | $2,547 | $212 |
| Progressive | $2,597 | $216 |
| GEICO | $3,038 | $253 |
| Allstate | $3,067 | $256 |
| Auto-Owners | $3,682 | $307 |
| Farmers | $5,481 | $457 |
| USAA | $1,903 | $159 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after being ticketed for driving without insurance is Nationwide at an average yearly rate of $1,370.
In Utah, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.
Below are the car insurance rates by company for drivers with a lapse in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,370 | $114 |
| GEICO | $1,542 | $129 |
| State Farm | $2,320 | $193 |
| Progressive | $2,475 | $206 |
| Farmers | $3,305 | $275 |
| USAA | $1,592 | $133 |
Non-owners SR-22 insurance in Utah
Utah might require you to file an SR-22 form even if you don't own a car as a prerequisite to get your license back. If you borrow or rent a car occasionally, you can get non-owner SR-22 insurance, which meets legal requirements, and the SR-22 can be filed with that policy.
It is important to note that non-owner car insurance only provides extra liability coverage when you drive someone else's car. If you buy a car, you will require the right insurance to legally drive it in Utah.
How long do you need an SR-22 in Utah?
Typically, Utah drivers must maintain an SR-22 for two years. However, if you fail to maintain insurance during this time, the consequences can be severe. Not only will you be in violation of the law, but you may also face additional fines and penalties.
Reasons for requiring SR-22 insurance in Utah
"Most Utah drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Utah for reasons such as:
- Getting a DUI
- Reckless driving
- Receiving several traffic violations in a short period
- Failing to keep auto insurance
- Refusing to take a breathalyzer test
- Causing an at-fault accident that results in serious injuries or death
Tips to lower SR-22 insurance costs in Utah
Although your insurance rates will go up if you need an SR-22, you can still find affordable coverage by shopping around.
You can lower your auto insurance costs with an SR-22 by:
- Using all available discounts. Most insurance companies let you bundle discounts to help you save more.
- Raising your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Taking a defensive driving course. Some insurers offer a discount for completing the course, and some states remove points from your license, which can help lower your insurance rates.
- Signing up for a usage-based program. If you show good driving habits while being monitored, you could earn a discount.
- Shopping around for SR-22 insurance. Compare quotes from several companies to find the cheapest SR-22 insurance in Utah.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Utah: FAQ
What happens if I fail to maintain SR-22 insurance in Utah?
If you don't keep your insurance and maintain your SR-22 filing, the consequences can be serious. You might face:
- Losing your driver's license
- Paying fines
- Higher car insurance costs
- Restarting your SR-22 time period
- Getting your car taken away
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Your new insurer must file the SR-22 on your behalf. Make sure your new policy, along with the SR-22, is active before you cancel your old one.
Compare Utah SR-22 rates with other states
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