SR-22 Insurance in Utah
Everything you need to know about SR-22 insurance — what it is, who needs it, what it costs, and how to get filed quickly and affordably.
What Is an SR-22?
An SR-22 is not actually insurance. It is a certificate of financial responsibility — a form filed by your insurance company with the Utah Driver License Division (DLD) that proves you carry an active auto insurance policy meeting the state's minimum liability requirements.
Think of it as proof to the state that you have insurance. Your carrier files the SR-22 electronically on your behalf, and if your policy ever lapses or is cancelled, they are legally required to notify the state by filing an SR-26 (cancellation notice).
Utah's Minimum Liability Requirements for SR-22
- $25,000 bodily injury per person
- $65,000 bodily injury per occurrence
- $15,000 property damage per occurrence
Your SR-22 policy must meet or exceed these limits at all times during your filing period.
SR-22 Filing
A certificate proving you carry the required minimum liability coverage. Filed electronically with the Utah DLD by your insurance carrier.
Get an SR-22 QuoteStandard SR-22
For vehicle owners who need to prove financial responsibility. Attached to your existing auto insurance policy.
Get a QuoteStandard SR-22 Insurance
A standard SR-22 is the most common type. It's attached to your auto insurance policy if you own a vehicle. Your insurance carrier adds the SR-22 endorsement to your policy and files the certificate with the Utah DLD on your behalf.
If you already have auto insurance, your current carrier may be able to add the SR-22 filing — but not all carriers offer this service. If yours doesn't, or if their rates increase dramatically, we can help you find a new carrier who specializes in SR-22 filings at competitive rates.
What's Included
A standard SR-22 policy includes at minimum the state-required liability coverage. You can also add collision, comprehensive, medical payments, and uninsured motorist coverage to your policy for additional protection.
Non-Owner SR-22 Insurance
A non-owner SR-22 is designed for drivers who need an SR-22 filing but do not own a vehicle. This is common for drivers whose cars were repossessed, sold, or who simply don't own a car but still need to satisfy the state's SR-22 requirement to reinstate their license.
A non-owner policy provides liability coverage when you drive vehicles that are not registered in your name — such as a friend's car, a family member's vehicle, or a rental car. It does not cover damage to the vehicle you're driving (the owner's policy covers that).
Who Needs Non-Owner SR-22?
- Drivers who sold their vehicle but still need SR-22 filing
- Drivers who don't own a car but want to reinstate their license
- Drivers who occasionally borrow or rent vehicles
- Drivers who want to maintain continuous coverage during a gap in vehicle ownership
Non-owner SR-22 policies are generally less expensive than standard SR-22 policies since they only cover liability — not the vehicle itself.
Non-Owner SR-22
Liability coverage for drivers who don't own a vehicle but need SR-22 filing to reinstate their license.
Get a QuoteDUI Insurance
Specialized coverage for drivers with DUI/DWI convictions. Satisfies court and state requirements for license reinstatement.
Get a QuoteDUI Insurance in Utah
A DUI conviction in Utah almost always triggers an SR-22 requirement. If you've been charged with DUI or DWI, you'll need to obtain SR-22 insurance before the state will reinstate your driving privileges.
DUI insurance isn't a separate type of policy — it's standard auto insurance with an SR-22 filing attached. However, because DUI drivers are classified as high-risk, premiums are significantly higher than standard rates. The increase varies by carrier, which is why comparing quotes is critical.
After a DUI in Utah, You Typically Need To:
- Obtain auto insurance that meets Utah's minimum liability requirements
- Have your carrier file an SR-22 with the Utah DLD
- Maintain continuous SR-22 coverage for three years
- Pay reinstatement fees to the Utah DLD
- Complete any court-ordered programs (alcohol education, community service, etc.)
Which SR-22 Coverage Do You Need?
The right policy depends on your situation. Here's a quick guide.
| If you... | You need... |
|---|---|
| Own a vehicle and need SR-22 | Standard SR-22 attached to your auto policy |
| Don't own a vehicle but need SR-22 | Non-Owner SR-22 (liability-only) |
| Have a DUI/DWI conviction | SR-22 + DUI insurance to satisfy court requirements |
| Had license suspended for no insurance | Standard SR-22 to reinstate your license |
| Finance or lease your vehicle | SR-22 + full coverage (collision + comprehensive) |
| Want maximum protection | SR-22 + higher liability limits + collision + comprehensive |
Not sure what's right for you? We'll help you find the right policy.
Get a Personalized QuoteThe SR-22 Timeline in Utah
Understanding the process helps you plan ahead and avoid costly mistakes.
Conviction / Requirement
The state notifies you that an SR-22 filing is required before your license can be reinstated.
Policy + Filing
You obtain an SR-22 policy. Your carrier files the SR-22 electronically with the Utah DLD — often same day.
3 Years Continuous
Maintain continuous coverage for three years with no lapses. After that, the SR-22 requirement is removed.