Cheapest SR-22 insurance in Utah
We found that State Farm has the cheapest SR-22 insurance in Utah. On average, SR-22 coverage from State Farm is $112 per month or $1,342 a year. That’s 51% cheaper than the average cost of SR-22 car insurance in Utah.
You can also find cheap SR-22 insurance in Utah from Farm Bureau, USAA, and a few other companies we researched. Remember to compare rates before you buy, since insurance costs can vary so much by company, especially for high-risk drivers.

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Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
---|---|---|
State Farm | $112 | $1,342 |
Farm Bureau | $120 | $1,446 |
USAA | $147 | $1,761 |
GEICO | $171 | $2,048 |
Progressive | $171 | $2,050 |
UAIC | $183 | $2,197 |
Allstate | $189 | $2,268 |
American Family | $207 | $2,481 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Utah
We found the companies with the cheapest SR-22 insurance in Utah by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Utah?
An SR-22 is a form that your car insurance company files with the state that proves you’re covered, it’s not actually a type of car insurance. In Utah, when you have an SR-22 on your policy you must have at least the following amounts of coverage:
Bodily injury liability (BIL): $30,000 per person, $65,000 per accident
Property damage liability (PDL): $25,000 per accident
Personal injury protection (PIP): $3,000
Having an SR-22 raises the cost of your car insurance because it means you were caught driving without insurance or committed a serious roadway violation, like driving under the influence or reckless driving. You’ll pay the increased rates for at least as long as the SR-22 is required (you’ll also have to pay a small filing fee with an SR-22).
In Utah, drivers have to maintain an SR-22 for three years. It could be longer if you let your coverage lapse. And if your SR-22 coverage lapses, you’ll also have to pay fines that get larger with each offense.
How to get SR-22 insurance in Utah
Utah drivers can follow these steps to get an SR-22 and start driving again:
Find a company that offers coverage: Not every company in Utah will insure high-risk drivers, and that can include your current car insurance company. You may have to search for a SR-22 coverage from a few companies before finding a policy.
Pay any additional fines: Utah requires a $100 license reinstatement fee. Depending on the reason for the suspension and your past history, your fines could be even higher.
Wait for your SR-22 to process: When your SR-22 processes, you’ll get notified by Utah’s Department of Motor Vehicles. Don’t drive before that, because you risk more penalties.
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Non-owner SR-22 insurance in Utah
Even drivers who don’t own a car can be required by the state to get SR-22 insurance. If your license was suspended or you committed a serious violation, you may need something called non-owner SR-22 insurance.
Non-owners insurance is coverage for drivers who don’t own a car. A non-owners policy comes with enough coverage for you to drive legally, but it doesn’t come with comprehensive or collision coverage. This usually makes it cheaper than a regular policy.
But just like a regular policy, you can have your non-owner insurance company attach an SR-22 form to fulfill your requirement.
That said, it can also be hard to find a company that offers non-owner SR-22 insurance, so plan to spend more time shopping. You will also have to call companies to ask about this coverage, as it’s not offered online.
Frequently asked questions
Who has cheap SR-22 insurance in Utah?
State Farm has the cheapest SR-22 insurance in Utah, but we found eight companies that have lower rates than the statewide average. These include Farm Bureau, USAA, GEICO, Progressive, and others.
How long do you have to have SR-22 insurance in Utah?
Under Utah’s laws, you have to have SR-22 insurance for at least three years. It could be longer depending on your offense, driving and suspension history, and whether your coverage lapses.
How do you get rid of SR-22 insurance in Utah?
When you no longer need SR-22 insurance, you’ll be able to let your insurance company know the SR-22 will be removed from your record.