Auto Insurance with an SR-22 in Utah

The Zebra
Aug. 27, 2019

If you need an SR-22 certificate to get car insurance in Utah, don't worry. This relatively common requirement is sometimes necessary after a citation like a DUI, a citation for driving without insurance, an at-fault crash, a ticket for driving with a suspended license, or accumulating too many license points.

Getting cheap coverage with an SR-22 certificate in Utah might take some research, but it's worth the trouble. We assessed how much a Utah SR-22 is estimated to cost and how to request one — let's take a look.

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How much is Utah SR-22 insurance?

Insurance with an SR-22 stipulation in Utah can be pricey. This isn't because obtaining the SR-22 certificate is expensive — filing fees are usually $15 to $35 — but a product of the insurance rate increases from the offense that necessitated the SR-22.

Insurance companies charge high-risk motorists more expensive rates to account for the increased risk of claims payouts. The rate increase you’ll face depends on the number and severity of violations — listed below are average car insurance prices for drivers with SR-22s in Utah.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,111.79
At-fault accident (>$2,000)$1,439.00$327.21
Speeding (21-25 mph > limit)$1,325.14$213.35
Reckless driving$1,552.65$440.86
Leaving the scene$1,513.19$401.40

If you are trying to find affordable car insurance after obtaining an SR-22, we're here to help. Enter your ZIP code to receive personalized auto insurance quotes from top companies.

Requesting an SR-22 in Utah

If you have auto insurance:

If you currently have auto insurance, getting an SR-22 is relatively simple. Call up your insurance company and request it file an SR-22 request on your behalf. If your insurance company isn’t willing to request a certificate, you’ll need to shop for a new policy with a new insurance company.


When filing for a new policy, you might face an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from purchasing insurance from some companies, while others may happily sell you a policy.

Don't own a vehicle?

If you don't own a vehicle, it could be more difficult to obtain an SR-22, since you typically need to show proof of insurance to obtain the document. If you don't own a car, you should buy a non-owners car insurance policy before filing for an SR-22. A non-owners policy is typically less expensive than standard coverage since it doesn't protect against physical damages to your automobile.


From September to December 2017, The Zebra conducted auto insurance rate analysis via its proprietary quote engine, including data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to examine trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.