SR22 Insurance Utah: Get Compliant & Save Money
If you need SR22 insurance in Utah due to DUI, license suspension, or other violations, we’re here to help. Our brokers shop multiple providers to find you the most affordable SR22 coverage while ensuring full state compliance. Get back on the road legally with minimum Utah liability requirements.
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Why Choose A Plus Insurance for Your Utah SR22 Filing
Navigating SR22 insurance requirements in Utah can be confusing and expensive. As licensed insurance brokers, we specialize in helping high-risk drivers obtain affordable SR22 coverage while meeting all Utah Department of Public Safety requirements.
Expert SR22 Processing
We handle the complete SR22 filing process with Utah authorities, ensuring proper documentation and timely submission to reinstate your driving privileges.
Multi-Carrier Comparison
We work with over 25 insurance providers specializing in SR22 coverage in Utah, finding you the best rates even with violations on your record.
Continuous Compliance Monitoring
We monitor your SR22 status throughout the required period (typically 3 years in Utah) and prevent coverage lapses that could reset your filing timeline.
Utah SR22 Insurance Requirements & Regulations
What is SR22 Insurance in Utah?
SR22 insurance in Utah isn’t actually insurance—it’s a certificate of financial responsibility filed by your insurance provider with the Utah Department of Public Safety. This filing proves you carry the state-mandated minimum liability coverage after serious driving violations.
Utah requires specific minimum coverage levels for all drivers, which must be maintained alongside your SR22 filing:
| Coverage Type | Utah Minimum Requirement | With SR22 Filing |
|---|---|---|
| Bodily Injury (Per Person) | $30,000 | $30,000 (minimum) |
| Bodily Injury (Per Accident) | $65,000 | $65,000 (minimum) |
| Property Damage | $25,000 | $25,000 (minimum) |
| Personal Injury Protection (PIP) | $3,000 | $3,000 (required) |
Common Reasons for SR22 Requirement in Utah
You typically need SR22 insurance in Utah after: DUI/DWI convictions, driving without insurance, multiple traffic violations, at-fault accidents without insurance, license suspension/revocation, or excessive points on your driving record. The Utah Driver License Division mandates SR22 filings to monitor high-risk drivers.
SR22 Insurance Costs in Utah: What to Expect
SR22 insurance in Utah typically costs 30-50% more than standard auto insurance due to the high-risk designation. However, costs vary significantly based on your specific violation, location, age, and driving history.
SR22 Filing Fees in Utah
Most Utah insurance companies charge a one-time SR22 filing fee between $15-$35. Some providers include this in your premium, while others charge separately. We work with companies like Dairyland that often waive SR22 filing fees entirely for qualified applicants.
For personalized rate comparisons based on your specific situation, request a free SR22 insurance quote or call our specialists at 888-445-2793.
How Long Do You Need SR22 Insurance in Utah?
SR22 insurance requirements in Utah typically last 3 years from the date your driving privileges are reinstated. However, this duration can vary:
| Violation | Typical SR22 Duration | Important Notes |
|---|---|---|
| First DUI Conviction | 3 Years | Mandatory ignition interlock may also be required |
| Second DUI Offense | 5 Years | Longer monitoring period for repeat offenses |
| Driving Without Insurance | 3 Years | Must maintain continuous coverage |
| Multiple Serious Violations | 3-5 Years | At discretion of Utah courts |
| Child Support Suspension | 1-3 Years | Until child support payments are current |
The SR22 Process in Utah
1. Obtain minimum liability insurance from a Utah-approved provider
2. Your insurer files Form SR22 with Utah Driver License Division
3. Pay any reinstatement fees to Utah DLD
4. Maintain continuous coverage for the required period
5. Your insurer notifies Utah if coverage lapses
6. After required period, SR22 requirement is removed
Need help navigating this process? Call our SR22 experts at 888-445-2793 for step-by-step guidance.
Frequently Asked Questions: SR22 Insurance Utah
SR22 insurance in Utah is a certificate filed by your insurance company with the Utah Driver License Division proving you carry the state-required minimum liability insurance. It’s required after serious driving violations to monitor high-risk drivers. The SR22 itself isn’t insurance—it’s proof of insurance.
SR22 insurance in Utah typically increases premiums by 30-60% depending on your violation, age, location, and driving history. The SR22 filing fee itself is usually $15-$35, though some companies waive this fee. For accurate pricing, get a personalized quote based on your specific situation.
Yes, Utah offers non-owner SR22 insurance policies for drivers who don’t own a vehicle but need to maintain SR22 certification. These policies provide liability coverage when driving borrowed or rented vehicles. This is common for those using public transportation but needing to maintain driving privileges.
If your SR22 insurance lapses in Utah, your insurer is required to notify the Utah Driver License Division, which will immediately suspend your driving privileges. The SR22 requirement period may restart from zero, extending the time you need to maintain the filing. Continuous coverage is essential.
After a DUI in Utah, you must: 1) Serve any court-mandated suspension period, 2) Obtain Utah minimum liability insurance, 3) Have your insurer file SR22 with Utah DLD, 4) Pay reinstatement fees, 5) Install ignition interlock if required. We specialize in post-DUI insurance and can guide you through each step.
Additional Insurance Services in Utah
While addressing your SR22 needs, consider these additional coverage options available through our brokerage:
Utah Homeowners Insurance
Protect your Utah home with comprehensive coverage tailored to local risks including fire, theft, and liability protection.
Recreational Vehicle Insurance
Coverage for motorcycles, ATVs, RVs, and other recreational vehicles with optional SR22 filings if needed.
Business Insurance
Commercial auto policies with SR22 filings available for business vehicles and fleet coverage.
Bundle multiple policies for additional savings. Call 888-445-2793 to discuss bundling options that can reduce your overall insurance costs.
Last Updated on by Brian Muse