SR-22 in Utah: What You Need to Know

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  • What is it?
  • Who needs it?
  • How to get it
  • The cost?
  • Insurance implications
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In Utah, if you’ve been convicted of a major driving violation, your insurance company will need to file an SR-22 form on your behalf for you to regain your driving privileges—this “proof of insurance” guarantees that you carry the mandated minimum auto insurance requirements as set by the state.
If you need an SR-22 form to get back on the road, you should know that your car insurance premiums will go up—but that doesn’t mean you’ll have to break the bank to be insured.
Jerry is an AI-powered car insurance broker that can help any drivers—even high-risk ones—find great policies at affordable prices.
Sign-up takes less than a minute, and then Jerry will hunt down up to 50 quotes from the country’s best insurance providers, delivering them right to your smartphone. It will also search for a better rate for you before every renewal period.
To learn all you need to know about SR-22 certificates in Utah, keep reading!
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What is an SR-22 in Utah?

An SR-22 form or certificate in Utah is required for any driver hoping to get back on the road after having their driver’s license suspended due to a major traffic violation.
Filed electronically by your insurer, the SR-22 is a “proof of insurance” that guarantees you have the state’s minimum liability requirements, at the very least.
Utah requires all drivers to have liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person per accident
  • $65,000 for bodily injury for more than one person per accident
  • $15,000 for property damage coverage per accident
  • $3,000 for personal injury protection (PIP)
In Utah, SR-22 forms are usually required for three years from the date of conviction, though this can depend on the severity of the conviction. Any lapse in SR-22 coverage will lead to your insurer reporting to you the state, meaning your SR-22 period will be extended, and you’ll have to pay the requisite SR-22 fees a second time.
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Who needs SR-22 in Utah?

In Utah, if a driver has their license suspended or revoked for any of the following reasons, they will need their insurance carrier to file an SR-22 form for them in order legally get back on the road:
  • Driving while uninsured
  • DUI or DWI conviction
  • Dangerous driving
  • Driving while your license is suspended

How to get an SR-22 certificate in Connecticut

To get an SR-22 form filed on your behalf, follow these steps.

Find an insurer

You’ll need to find an insurer that is willing to file an SR-22 form on your behalf, as many insurers won’t insure high-risk drivers. Do your research and find a carrier that files SR-22 certificates in Utah.

Pay the SR-22 fee

Once an insurer agrees to cover you and file an SR-22 for you, pay the fee so the form can be processed and filed. In Utah, filing fees range from $15 to $25.

Verify minimum liability coverage

You’ll need to buy liability insurance that meets or exceeds Utah’s state requirements before your insurer will file an SR-22 for you.

Submit your SR-22

Once you’ve paid the filing fee, your insurer will file your SR-22 with the Utah DMV. So long as the filing is accepted, you’ll soon receive a letter in the mail from your insurance company confirming this.

How much does it cost?

Every insurer is different, but expect to pay about 10% more for car insurance with SR-22 coverage than the average driver would pay for standard, minimum car insurance.
Of course, any insurance quote should be measured against several others, as insurers all have their own formulas when determining rates.
Key Takeaway When searching for car insurance with SR-22 coverage, compare quotes from several insurance carriers to find the most affordable rate.

How an SR-22 impacts your insurance in Utah

If you are required to obtain SR-22 coverage, your insurance premiums will go up for as long as you are on probation, most likely three years.
Rest assured, this is temporary—so long as you drive safely and responsibly throughout your probationary term, your insurance rates will decrease once your probation expires.
Key Takeaway If you’re required to have SR-22 coverage, you’ll pay higher rates than you would with standard car insurance.

How to find cheap car insurance with Jerry

Even with SR-22 coverage, drivers can still find deals on car insurance. With Jerry, drivers with blemishes on their record can still find a great car insurance policy at a decent price.
Jerry is a smart car insurance broker, capable of generating up to 50 competitive quotes from the country’s best insurers after just a 45-second sign-up process. After you pick the policy that works best for you, Jerry handles all the forms, phone calls, and hassles, so you don’t have to!
Best of all, Jerry is 100% free to use!
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