Cheapest SR-22 insurance in Utah

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In Utah, the cheapest SR-22 insurance options are offered by GEICO at $793 per year and Nationwide at $1,188 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.

An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.

Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.

Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.

What’s an SR-22?

An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.

You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.

Key Takeaways

An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
You might need an SR-22 in Utah due to DUI, reckless driving, or license suspension/revocation.
Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.

Do I need to buy SR-22 insurance in Utah?

As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.

Examples of offenses that might require an SR-22:

DUI, DWI, or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.

You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.

Average SR-22 car insurance cost in Utah

The average cost of SR-22 car insurance in Utah is $1,816.

This is $801 higher than in New Hampshire, which has the cheapest SR-22 insurance.

However, it’s also $2,225 less expensive than in Michigan, the most expensive state for SR-22 insurance.

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

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Cheapest SR-22 insurance companies in Utah

Insurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Utah.

Company	Average annual premium	Average monthly premium
GEICO	$793	$66
Nationwide	$1,188	$99
Auto-Owners	$1,576	$131
Progressive	$1,749	$146
American Family	$1,989	$166
State Farm	$2,043	$170
Allstate	$2,338	$195
Farmers	$2,602	$217
Kemper Insurance	$2,885	$240
USAA*	$993	$83

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Utah by city

As mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in Utah.

City	Average annual premium
Hurricane	$704
Bountiful	$755
Ogden	$755
Plain City	$756
Mendon	$768
Midvale	$786
Randolph	$796
Beaver	$800
Salt Lake City	$801
Heber	$803
South Salt Lake	$887

SR-22 insurance requirements in Utah

The Utah DMV mandates all drivers in Utah to have the following minimum car insurance coverage:

$30,000 for injury or death per person
$65,000 for injury or death per accident
$25,000 for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in Utah cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
GEICO	$1,746	$793
Progressive	$2,071	$1,749
State Farm	$2,240	$2,043
American Family	$2,575	$1,989
Nationwide	$2,620	$1,188
Allstate	$2,920	$2,338
Kemper Insurance	$3,095	$2,885
Farmers	$3,557	$2,602
Auto-Owners	$4,232	$1,576
USAA*	$1,880	$993

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Utah

If you have an SR-22 in Utah, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.

First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies might even specialize in high-risk drivers and be able to offer you better SR-22 rates.

Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.

You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.

There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Utah, recommends the following:

Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront: If possible, paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.

Opt for non-owner insurance: If you don’t own a vehicle but want to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.

Non-owner SR-22 insurance in Utah

Another term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.

Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.

If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance.

Read more about how non-owners car insurance works in Utah

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI on your record, the state will require you to prove that you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney who has experience with traffic laws.

How long do you need SR-22 insurance in Utah?

You typically need to maintain an SR-22 for three years.

In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.

The bottom line on SR-22 in Utah

Utah’s average SR-22 insurance rate is $1,816, compared to the overall average car insurance cost in Utah, which is $1,601. That means Utah’s SR-22 rate is $215 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Utah.” Accessed November 2025.
Progressive Insurance. “What is an SR-22?” Accessed November 2025.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.