Auto Insurance with an SR-22 in Utah

If you need an SR-22 for auto insurance in Utah, don't worry. This relatively common requirement is sometimes requested after a driving citation such as a DUI conviction, a citation for driving without proof of insurance, an at-fault accident with substantial property damage, driving with a suspended license, or collecting excessivelicense points.

Finding affordable insurance with a SR-22 in Utah might take some research, but it never hurts to try. The Zebra examined how much a SR-22 usually costs in Utah and how to get one — let’s dive in.

How much does an SR-22 cost in Utah?

Car insurance with an SR-22 in Utah can be expensive. This isn't because of the SR-22 itself — filing fees are $15 to $35 — but because of the insurance rate increases initiated by the driving violation that necessitated the SR-22 in the first place.

Insurance companies charge higher-risk clients higher premiums on account of the heightened probability of a claim payout. The rate increase you could face may depend on the number and severity of the infractions — below are typical auto insurance rates for drivers with SR-22s in Utah.

Rating factorAverage annual rateIncrease vs. no violations
No violations$1,306
At-fault collision (>$2,000)$1,771$465
Speeding (21-25 mph > limit)$1,565$260
Reckless driving$1,847$541

If you are looking for affordable auto insurance with a SR-22, The Zebra is here to help. Enter your ZIP code to get personalized auto insurance quotes from popular companies.

Requesting an SR-22 in Utah

For currently insured drivers

If you currently have auto insurance, requesting an SR-22 certificate is relatively simple. Contact your insurance company ask the company to file a SR-22 request for you. If your insurer refuses to file for an SR-22, you should shop around for a new insurance company.

Uninsured drivers

When applying for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from purchasing insurance from some carriers, while others would be happy to cover you.

For non-owners

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to earn the certificate. If you don't own a vehicle, you should purchase a non-owners auto insurance policy before pursuing an SR-22. Non-owners auto coverage can be less expensive than a standard policy since it won’t provide protection for physical damage to your car.

Methodology and sources

The Zebra performed auto insurance rate analysis through its proprietary insurance quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra surveyed almost 53 million premiums to explore trends related to car insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on car insurance rates.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.