SR-22 Insurance in Utah: Find the Cheapest Rates
American Family has the cheapest SR-22 insurance in Utah, at $198 per month.
Find Cheap SR-22 Insurance Quotes in Utah
SR-22 insurance in Utah costs $231 per month, on average.
Utah drivers need an SR-22 certificate from their insurers if they are caught driving without insurance . An SR-22 certificate is an addition to your policy to prove you have the mandated minimum coverage.
Getting an SR-22 certificate can cost around $25 per year, though auto insurance rates have increased an average of 20% for full coverage with SR-22.
The cheapest SR-22 insurance in Utah
American Family has the cheapest insurance with an SR-22 in Utah, at $198 per month.
American Family's average price is 14% less than the state average of $231 per month.
Progressive is also fairly affordable, at $209 per month, though its customer service isn't rated as highly as American Family.
Find Cheap SR-22 Insurance Quotes in Utah
USAA had even better prices than American Family at just $136 per month, but it's only available if you or a family member have served in the U.S. military.
Cheapest companies for SR-22 in Utah
Insurer |
Monthly rate
| Price increase vs. clean record |
|---|---|---|
| American Family | $198 | 19% |
| Progressive | $209 | 23% |
| Farm Bureau | $227 | 13% |
| State Farm | $234 | 7% |
| Geico | $245 | 31% |
*USAA is only available to current and former military members and their families.
Depending on which company you choose, you could see your rates rise as much as 39%. State Farm only raises rates by 7%, but it's still more expensive overall than American Family.
Non-owner SR-22 insurance cost
If you were convicted of driving someone else's car while uninsured, you may need to get an insurance policy and SR-22 certificate in order to reinstate your driver's license — even if you don't own a car.
In this case, you can buy a non-owner SR-22 insurance policy . Fortunately, non-owner SR-22 insurance is much cheaper than regular insurance, at an average of $96 per month in Utah.
Farm Bureau has the best average price for non-owner SR-22 Insurance, at $112 per month.
Insurer | Monthly non-owner rate |
|---|---|
| Progressive | $69 |
| Farm Bureau | $75 |
| American Family | $112 |
| Geico | $114 |
| State Farm | $120 |
| Farmers | $160 |
| USAA | $18 |
When do you need SR-22 insurance in Utah?
Utah drivers will most commonly need SR-22 coverage if they are ticketed or get into an accident and do not have insurance.
In those situations, your license can be suspended, and you will need to file an SR-22 form as part of the process of getting it back.
SR-22 is required by courts after a DUI, reckless driving or other violations on the road, but in Utah, it is primarily required after someone is caught driving without insurance. You can get several kinds of SR-22 coverage — owner, operator, owner operator — and each covers you in specific situations.
SR-22 type | Driving your vehicle | Driving a vehicle owned by someone else |
|---|---|---|
| Owner | ||
| Operator i | ||
| Owner/operator |
When do I need non-owner SR-22 insurance in Utah?
Drivers who don't own a car but have been cited for driving without insurance in Utah must get non-owner SR-22 coverage to be able to drive legally. A policy that includes that certificate means you can drive vehicles not owned by members of your household.
The price of adding non-owner SR-22 is often cheaper than regular insurance with SR-22, which covers your own vehicle. However, some companies will not offer non-owner SR-22 coverage, so you might have to shop with higher-risk insurers
You would also be required to get a non-owner SR-22 policy if you are caught driving uninsured, then get rid of your car.
Frequently asked questions
What is SR-22 insurance in Utah?
SR-22 insurance is a car insurance policy that has an SR-22 form attached to it. An SR-22 form proves your insurance is active, and that your insurance company agrees to tell the government right away if you cancel your policy. In Utah, most drivers are required to get an SR-22 if they are caught driving without insurance.
How much is SR-22 insurance in Utah?
The average price of SR-22 insurance in Utah is $929 per year for minimum coverage. Farm Bureau offers the lowest widely available rates, at $672 per year.
Does USAA offer SR-22 insurance?
Yes, USAA offers SR-22 insurance. The company has the lowest rates overall, but they are only available to members of the military and their family members.
Methodology
We collected auto insurance quotes from nine companies across every ZIP code in Utah. Quotes were for a 30-year-old man with average credit and Utah's minimum coverage limits.
-
$25,000 per person/$65,000 per accident of bodily injury liability
- $15,000 of property damage liability per accident
- $3,000 personal injury protection (PIP) per accident
ValuePenguin used Quadrant Information Services to gather insurance rate data. Information was publicly sourced from insurer filings and should be used only for comparative purposes — your rates may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.