How to Get Non-Owner SR-22 Insurance in Utah

Utah drivers who need an SR-22 can purchase non-driver car insurance.
Written by Jacqulyn Graber
Reviewed by Christelle Agustin
Utah drivers who need an SR-22 for license reinstatement but don’t own a car can purchase an affordable non-owner SR-22 coverage plan. Just keep in mind that not every auto insurance provider offers it.
Per state law, Utah drivers must carry a valid car insurance policy and provide proof of insurance at the scene of accidents, traffic stops, and vehicle inspections. If you’re considered a high-risk driver, however, the burden of proof is even more severe. 
Motorists with a history of major violations, such as DUIs, may need to file an SR-22 with the Utah Division of Motor Vehicles (DMV) which proves they’ve got the legally required
car insurance
coverage. And if you don’t have a car, non-owner car insurance is the affordable answer! Here are all the details. 

What is SR-22 insurance?

Although some people might call it “
SR-22 insurance
,” an SR-22 isn’t actually a type of car insurance at all. Instead, it’s a certificate of financial responsibility, filed with the Utah Division of Motor Vehicles (DMV) by your insurance provider. 
The point of an SR-22 is to confirm that you’ve purchased a car insurance policy that meets all of
Utah’s car insurance laws
. You’ll often have to file an SR-22 certificate (in addition to paying a license reinstatement fee) if you’d like to reinstate your driving privileges after a
reckless driving
, or another serious violation. 
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Utah auto insurance requirements

Per Utah state law, all drivers must carry car insurance policies that include the following amounts of coverage:
Purchasing additional types of car insurance is optional (and a good idea!). Only liability insurance and PIP are required by law. Thus, you can meet your SR-22 requirements by purchasing a liability-only policy.

Who needs an SR-22?

SR-22 certificates are mostly required of drivers of certain infractions. Generally, it’s the only way to get your license back after a license suspension—even if you don’t own a vehicle. 
Utah drivers with the following offenses may need to file an SR-22 to regain their driving privileges: 
SR-22s may also be required for certain non-driving violations, such as neglecting to pay child support. In addition to paying a filing fee, car insurance rates are generally higher with an SR-22 filing

How to get non-owner SR-22 insurance in Utah

So what if you are required to file an SR-22 but don’t own a vehicle?
Non-owner car insurance
is generally the cheapest option. Put simply, non-owner car insurance is basic liability coverage for drivers who don’t own—or don’t live with someone who owns—a vehicle that they drive regularly.
Non-owner car insurance policies are great for people who regularly rent or borrow vehicles, as well as for non-car owners who need SR-22 certificates. 
Most car insurance companies will sell non-owner policies—however, not all of them will issue SR-22s.
are two great options to consider.
To secure a non-owner policy that offers SR-22 certificates, you’ll have to:
  • Contact some local insurance agencies and ask if they offer non-owner insurance to drivers with SR-22 requirements. 
  • Do your best to secure at least three to five quotes before choosing a policy.
    Comparing car insurance quotes
    is the best way to find affordable coverage regardless of driving history.
  • Look for any
    car insurance discounts
    that may apply to you. Some companies will lower your premiums if you take a defensive driving course or pay your bill in full. 
You’ll be required to maintain your non-owner policy for as long as your SR-22 filing requirement lasts—which is typically three years, depending on the offense. However, once that time period’s up, don’t simply cancel the coverage unless you’re not planning to drive at all! Driving without insurance could land you back where you started, with even higher costs and a longer filing period. 
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Only Utah drivers with serious violations on their driving records will be required to file SR-22s. While minor violations—such as low-level speeding—will likely raise your insurance rates, it’s unlikely that you’ll be required to file an SR-22 certificate unless you have committed a more major offense.
Utah requires drivers with SR-22s to carry them on file for a minimum of three years before waving it. If you’ve committed a very serious offense—or multiple offenses—the requirements could be longer.
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