- Utah Minimum Car Insurance Coverage: What You Need to Know
- How Long Do You Need SR-22 Insurance in Utah? Duration and Requirements Explained
- Cost for full coverage SR22 Insurance Utah
- Laws pertaining to SR22 Insurance Utah
- DUI and SR-22 Insurance Utah
- State requirements SR22 Insurance Utah
- Company fees for SR22 Insurance Utah
- Liability rates by company- SR22 Insurance Utah
- Lowest rates by city- SR22 Insurance Utah
- Child Support- SR22 Insurance Utah
- Reasons you may be required to carry an SR22 filing- SR22 Insurance Utah
- Need an SR22, but no vehicle?- SR22 Insurance Utah
- Frequently Asked Questions about SR22 Insurance Utah
- What is SR22 insurance and why do I need it in Utah?
- How long do I need to maintain SR22 insurance in Utah?
- How can A Plus Insurance help me get affordable SR22 insurance in Utah?
- What We Do at A Plus Insurance
Utah Minimum Car Insurance Coverage: What You Need to Know
Utah requires drivers to carry minimum car insurance coverage that includes $25,000 per person for bodily injury, $65,000 per accident for bodily injury involving multiple people, and $15,000 per accident for property damage. Meeting these minimum liability limits is not just a legal requirement but also essential for protecting yourself and others on the road.
For drivers needing SR22 insurance in Utah, it’s important to understand that this is a certificate proving you have the required minimum coverage after certain violations, such as driving without insurance or DUI convictions. SR22 insurance in Utah indicates you’re considered high-risk, and maintaining this certification is necessary to reinstate your driving privileges.
Our auto insurance brokerage specializes in helping Utah drivers navigate the complexities of SR22 insurance, ensuring they meet all legal requirements while securing the coverage they need. Whether you need SR22 insurance or want to understand Utah’s minimum coverage requirements better, our experienced team is here to assist you with personalized guidance.
How Long Do You Need SR-22 Insurance in Utah? Duration and Requirements Explained
Typically, SR22 insurance in Utah is required for three years, though more severe offenses, like DUI convictions or multiple traffic violations, can extend this requirement to five years. It’s crucial to maintain continuous SR22 coverage during this period, as any lapse or cancellation could reset the SR22 duration, prolonging the time you need this specialized insurance. Ensuring consistent coverage helps you meet Utah’s legal requirements and avoid any potential setbacks in reinstating your driving privileges.
Cost for full coverage SR22 Insurance Utah
If you are financing a vehicle, you will likely need to carry full coverage which is Comprehensive and Collision on the vehicle. If you need an Utah Insurance SR-22 filing as well, you can add that onto your policy for a small fee. Below is the average cost for full coverage, with an SR-22 in each city.
| Bristol West | $133 |
| American Family | $141 |
| Travelers | $144 |
| Acceptance RTR | $147 |
| Progressive Insurance | $147 |
| AssuranceAmerica | $154 |
| National General | $158 |
| Nationwide | $160 |
| USAA | $164 |
| Allstate | $165 |
| GAINSCO | $167 |
| Mendota Ins. Company | $171 |
| State Farm | $175 |
| Farmers | $177 |
| Liberty Mutual | $177 |
Laws pertaining to SR22 Insurance Utah
The Utah Department of Revenue will require you to file an SR-22 filing after a suspended or revoked license. This will require you to carry the minimum liability limits. The type of offense will determine the amount of time the Utah SR-22 Insurance filing needs to be in force. Generally, you will need to carry an SR22 for at least 3 years.
DUI and SR-22 Insurance Utah
If you have been convicted of a DUI In Utah, you will be required to carry an SR-22. The SR-22 will let the state know that you are carrying the minimum liability requirements. The first offense will require the SR-22 for 3 years, and the second offense will require 5 years.
State requirements SR22 Insurance Utah
In Utah, you must carry the minimum liability auto insurance limits listed below. This covers the other party for any damages you are liable for. Your liability limits will pay out $25,000 each person for bodily injury, up to $65,000 per accident, and $15,000 for property damage.
| State | State Min | PIP? |
| Utah | 25/65/15 | 3,000 |
Company fees for SR22 Insurance Utah
Some companies do not offer SR-22 filings because they do not insure ‘high risk’ drivers. For example, Travelers and State Farm Insurance do not offer SR22 filings. If you require an SR22, you could either purchase a separate policy, or move insurance companies altogether. They may be a preferred company that does not allow those types of violations. Most companies that do offer Utah SR-22 Insurance Filing charge a flat fee of $5-$25 per term. Some companies, like Dairyland Insurance, do not charge at all.
| Company | Fee |
| Liberty Mutual | $15-$25 |
| Acceptance RTR | NA |
| Bristol West | $25.00 |
| Geico | $25.00 |
| Allstate | Unknown |
| Farmers | $15-$69 |
| GAINSCO | $25.00 |
| American Family | na |
| State Farm | Unknown |
| Progressive Insurance | $25.00 |
| Mendota Ins. Company | NA |
| National General | NA |
| Safeco | na |
| AssuranceAmerica | NA |
| State Auto | na |
| The General | $25.00 |
| Nationwide | na |
| Travelers | na |
| Dairyland | Free |
Liability rates by company- SR22 Insurance Utah
Liability Insurance is the minimum requirement per each state. Each state requires different liability limits, you can check your states requirements below. By having the minimum liability limits, you can add an SR-22 to the insurance policy, that will let the State know you are complying by carrying the required insurance.
| Company | SR22 Liability (average) |
| Geico | $100.00 |
| State Farm | N/A |
| Acceptance RTR | $125.00 |
| Nationwide | N/A |
| 21st Century | N/A |
| GAINSCO | $109.00 |
| Allstate | N/A |
| National General | $87.00 |
| Liberty Mutual | $99.00 |
| The General | $98.00 |
| AssuranceAmerica | $93.00 |
| American Family | N/A |
| Travelers | N/A |
| Farmers | $87.00 |
| Bristol West | $87.00 |
| Safeco | N/A |
| Progressive Insurance | $82.00 |
| Dairyland | $103.00 |
Lowest rates by city- SR22 Insurance Utah
Need to find an affordable insurance policy to comply with your SR-22 filing? Check for your city below, and the suggested insurance company. Many of the companies listed specialize in Utah SR-22 insurance, and they are able to offer a competitive price.
| City | Price |
| City of Orange | Geico |
| Linden | Geico |
| Berkeley | Dairyland* |
| Clifton | Liberty Mutual |
| North Bergen | Geico |
| Fair Lawn | Liberty Mutual |
| Belleville | Farmers |
| Edison | The General |
| Vineland | Progressive |
| Passaic | Geico |
| Trenton | The General |
| Old Bridge | The General |
| Union City | Liberty Mutual |
| Bloomfield | Geico |
| Bayonne | The General |
| Elizabeth | Dairyland* |
| Hackensack | Progressive |
| Willingboro | Geico |
| Hoboken | The General |
| East Brunswick | Progressive |
| Freehold | Geico |
| Evesham | Farmers |
Child Support- SR22 Insurance Utah
If your license has been suspended or revoked from failure to pay child support, you will need to obtain liability insurance with an SR-22 in order to get your license reinstated. The general amount of time required to carry the SR-22 is 1-3 years in Utah.
Reasons you may be required to carry an SR22 filing- SR22 Insurance Utah
A conviction for any of the major violations below may result in the requirement to carry an SR-22 for a specific amount of time. Your insurance company will notify the state automatically via an electronic process that you are carrying an SR22.
| Driving while Suspended/revocation |
| License suspension for failure to pay fines |
| At Fault accident with no insurance |
| DWI (Driving while intoxicated) |
| Too many tickets in short period of time |
| Multiple Traffic Offenses |
| Previous incarceration |
| Failure to maintain mandatory insurance coverage required by state law |
| Excessive points violations |
| Suspension of license due to child support |
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Need an SR22, but no vehicle?- SR22 Insurance Utah
If you do not own a vehicle, but are required to obtain SR-22 insurance, you can purchase a Non-Owners policy, or a Broadform policy. These policies do work differently as far as the coverage. A Non-Owners policy follows the driver for any vehicle that a driver does not own. A Broadform follows the driver for any vehicle that a driver owns, or does not own. This will cover you for the minimum liability requirements and you can attach the Utah SR-22 filing onto that policy for a small fee.
Frequently Asked Questions about SR22 Insurance Utah
What is SR22 insurance and why do I need it in Utah?
SR22 insurance is a certificate of financial responsibility required for individuals with certain driving violations. In Utah, it’s mandatory for drivers with offenses such as DUI. For personalized assistance and to get your SR22, call A Plus Insurance at 1.888.445.2793.
How long do I need to maintain SR22 insurance in Utah?
The duration for maintaining SR22 insurance in Utah varies based on the offense. Typically, it’s required for three years. To understand your specific situation and find the best rates, contact A Plus Insurance at 1.888.445.2793.
How can A Plus Insurance help me get affordable SR22 insurance in Utah?
A Plus Insurance shops multiple carriers to help you find the most affordable SR22 insurance rates in Utah. Call us at 1.888.445.2793 for expert assistance in meeting the SR22 insurance requirements in Utah.
For personalized advice on SR22 insurance in Utah, call us at 1.888.445.2793.
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Last Updated on by Marlon Moss