What is the Minimum Car Insurance Coverage in Utah?

The minimum car insurance coverage in Utah involves a set of liability limits that drivers are obligated to carry, these limits include at least $25,000 per person for bodily injury, $65,000 per accident for bodily injury when multiple people are involved, and $15,000 per accident for property damage. It’s crucial for drivers to be aware that meeting these minimums is not only a legal obligation but also a means of safeguarding themselves and others on the road.

When it comes to SR22 insurance in Utah, it’s important to understand that this is not a specific type of coverage but rather a certificate proving that a driver is carrying the required minimum coverage after being involved in certain violations. This may include driving without insurance, DUI convictions, or other serious traffic offenses. Acquiring SR22 insurance in Utah implies that the driver is considered high-risk, and maintaining this certification for a designated period is essential for reinstating driving privileges.

At our auto insurance brokerage, we specialize in guiding Utah drivers through the intricacies of SR22 insurance, ensuring they meet the necessary legal obligations while providing them with the protection they need on the road. If you find yourself in need of SR22 insurance or simply want to understand the requirements better, don’t hesitate to reach out to our experienced team for personalized assistance.

How Long Is SR-22 Required in Utah

For most offenses necessitating an SR-22, the typical requirement spans three years, though severe violations could extend this period to five years. Offenses such as DUI convictions or multiple traffic violations within a short timeframe often result in longer SR-22 mandates. It’s vital to maintain continuous coverage without any lapses or cancellations throughout this period, as any disruption might reset the SR-22 duration, potentially prolonging the time you need this specialized insurance.

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
Acceptance RTR$147
Progressive Insurance$147
National General$158
Mendota Ins. Company$171
State Farm$175
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.

StateState MinPIP?

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.

Liberty Mutual$15-$25
Acceptance RTRNA
Bristol West$25.00
American Familyna
State FarmUnknown
Progressive Insurance$25.00
Mendota Ins. CompanyNA
National GeneralNA
State Autona
The General$25.00

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.

CompanySR22 Liability (average)
State FarmN/A
Acceptance RTR$125.00
21st CenturyN/A
National General$87.00
Liberty Mutual$99.00
The General$98.00
American FamilyN/A
Bristol West$87.00
Progressive Insurance$82.00

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 of OrangeGeico
CliftonLiberty Mutual
North BergenGeico
Fair LawnLiberty Mutual
EdisonThe General
TrentonThe General
Old BridgeThe General
Union CityLiberty Mutual
BayonneThe General
HobokenThe General
East BrunswickProgressive

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

Need an SR22, but no vehicle?- SR22 Insurance Utah

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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.

Use An Insurance Broker!

Using an insurance broker, like A Plus Insurance, for your insurance needs offers several advantages. Here are five key reasons:

Expert Advice and Personalized Service
Access to a Wide Range of Products
Time and Cost Savings
Ongoing Support and Review
Risk Management and Education

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 Amanda Moss

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