Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Utah Cheapest SR-22 insurance in Utah The cheapest SR-22 insurance policies in Utah are offered by GEICO, at $793 a year, and Nationwide, at $1,188 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele 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. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 is an SR-22?An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.Key TakeawaysSR-22 car insurance in Utah costs $1,816, on average.GEICO offers the cheapest SR-22 insurance policies in Utah at $793 per year.SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.Do I need to buy SR-22 insurance in Utah?As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.Examples of offenses that might require an SR-22:DUI, DWI or other serious moving violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.Average SR-22 car insurance cost in UtahThe average SR-22 car insurance cost 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.Cheapest SR-22 insurance companies in UtahInsurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Utah.CompanyAverage annual premiumAverage monthly premiumGEICO$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 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in UtahUtah car insurance calculatorNon-owner car insurance in Utah: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in Utah Cheap SR-22 insurance in Utah by cityAs 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.CityAverage annual premiumHurricane$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 UtahThe 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 accidentThese 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.CompanySR-22 with 1 DUISR-22 Filing onlyGEICO$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 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in UtahYou may face sky-high insurance premiums if you need an SR-22 in Utah. However, there are ways to save on car insurance whether or not you require an SR-22.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 specialize in high-risk drivers and 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: 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 need 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 UtahSome states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.It’s generally a cheaper option than a standard car insurance policy since it only covers liability. Read more about how non-owners car insurance works in Utah Who needs SR-22 insurance?Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.How long do you need SR-22 insurance in Utah?You usually need to keep an SR-22 for three years.During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.The bottom line on SR-22 in UtahThe average SR-22 insurance rate in Utah is $1,816, while the average cost of car insurance in Utah is $1,601. This means SR-22 insurance in Utah costs $215 more per year.Keep in mind that there are numerous factors that affect the auto 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 MethodologySources:Shouse Law Group. “SR22 Utah.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.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. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Utah?Average SR-22 car insurance cost in UtahCheapest SR-22 insurance companies in UtahCheap SR-22 insurance in Utah by citySR-22 insurance requirements in UtahHow much does SR-22 in Utah cost with a DUI?How to get the cheapest SR-22 insurance in UtahNon-owner SR-22 insurance in UtahWho needs SR-22 insurance?How long do you need SR-22 insurance in Utah?The bottom line on SR-22 in UtahWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330