SR22 Insurance Utah Guide

This guide will explain what SR22 insurance is, why you might need it, and how to obtain it in Utah.


7/12/202311 min read

sr22 insurance utah
sr22 insurance utah

SR22 Insurance Utah Guide

Understanding insurance policies can often be overwhelming, especially when it comes to specialized coverages such as the SR22. If you're in Utah and have heard about SR22 insurance but aren't quite sure what it is, you're not alone. This guide will explain what SR22 insurance is, why you might need it, and how to obtain it in Utah.

What Is SR22 Insurance?

Contrary to popular belief, SR22 is not actually a type of insurance. Rather, it's a form that your insurance company must file with the Utah state government to verify that you're maintaining car insurance coverage. It's often required after certain driving violations, such as a DUI conviction, repeated traffic offenses, or driving without valid insurance.

It's important to remember that the SR22 form itself is not insurance, but a proof-of-insurance certificate. However, people often use the term "SR22 insurance" to refer to the auto insurance policy required with the SR22 form.

Who Needs SR22 Insurance?

You might need SR22 insurance in Utah if you've been involved in a traffic incident or violation that has resulted in a suspension of your driving privileges. Typically, the court or the Department of Public Safety (DPS) will inform you if you need to file an SR22 form.

The reasons you might need to file an SR22 form in Utah could include:

  1. DUI or DWI offenses

  2. Reckless driving

  3. At-fault accidents

  4. Driving without insurance coverage

  5. Other serious moving violations

How To Obtain SR22 Insurance in Utah?

If you're required to get SR22 insurance in Utah, the first step is to find an insurance provider who can file the form on your behalf. Not all insurance companies offer this service, so it might require some shopping around. Here is a comprehensive Utah car insurance guide to help you find a suitable provider.

The insurer will add an SR22 endorsement to your existing policy, or if you don't have one, you'll need to purchase a new policy that includes SR22 coverage. The insurance company will then file the SR22 form with the Utah DPS.

Remember that maintaining your SR22 insurance is crucial. If your policy lapses, your insurance company is required by law to inform the DPS. This could result in a suspension of your driving privileges.

The Cost of SR22 Insurance in Utah

The cost of SR22 insurance in Utah varies depending on several factors. These include your age, driving history, and the reason you're required to carry an SR22. On average, the filing fee for an SR22 form ranges from $15 to $25.

However, the primary cost associated with SR22 insurance isn't the filing fee—it's the potential increase in your insurance premiums. Insurance companies often view drivers who need an SR22 as high-risk, which could result in higher insurance rates. It's advisable to check out the Utah insurance rules to get more details on the specific cost factors.

Life After SR22 Insurance

Typically, drivers in Utah are required to carry SR22 insurance for three years. After this period and assuming you've maintained your insurance coverage and committed no further driving offenses, you'll no longer be required to have the SR22 endorsement.

It's important to note that you shouldn't cancel your SR22 insurance as soon as you're no longer required to have it. Check with the Utah DPS before making any changes to ensure you've met all requirements.

Exploring Utah Responsibly

Navigating the SR22 insurance landscape in Utah can be challenging, but with proper guidance, it's an achievable task. However, responsible driving extends beyond understanding your insurance needs. When exploring the scenic landscapes of Utah or the bustling city of Salt Lake City, ensure you're also considering other insurance needs.

Before your road trip, consider your health cover with a solid Utah health insurance guide. If you have pets, check out the pet insurance Utah guide for travel coverage, and secure your home using this Utah home insurance guide. And for those unexpected dental emergencies, a look into the dental insurance Utah guide wouldn't hurt.

Whether you're a local or a visitor, a proper understanding of SR22 insurance in Utah can save you from legal troubles and hefty fines. So keep in mind to prioritize safe and responsible driving during your Utah adventures.

Making the Most of Your Utah Stay

If you're visiting Utah or simply looking for a weekend getaway, Salt Lake City offers many comfortable and stylish hotel options. From the homey Homewood Suites by Hilton to the luxe The Little America Hotel, there's a fit for every taste and budget. You can check the complete list of top-rated SLC Hotels for more options.

Furthermore, Salt Lake City offers an array of dining options that cater to all culinary preferences. Whether you fancy a sizzling steak at Valter's Osteria or want to explore the Himalayan cuisine at The Himalayan Kitchen, you won't be disappointed. Here are the 20 best restaurants in Salt Lake City to get you started.

Comparing and Contrasting SR-22 Insurance Across States

SR-22 insurance, often just referred to as "SR-22," can be a bit puzzling, especially given that it varies from state to state. However, if you are in Utah or planning a move, this is a topic you need to understand thoroughly. This blog post aims to break down the complexities of SR-22 insurance and how it compares to the requirements in other states, with a particular emphasis on Utah.

What Is SR-22 Insurance?

The first common misconception to clear up is that SR-22 isn't an insurance policy. It's a certificate that your insurance company sends to the state to prove you're maintaining coverage and meeting the minimum liability requirements. It's generally required after a serious driving violation, such as a DUI conviction, or after an at-fault accident while driving without insurance.

The rules and requirements for SR-22 can vary significantly from one state to another. For example, while the SR-22 insurance Utah rules stipulate that you must carry this certification for three years, other states may require a different duration. In addition, not all states require SR-22 insurance. If you move from a state that does not require SR-22 to one that does (or vice versa), you may face some unique challenges.

Let's delve into a comparative analysis of how SR-22 insurance works in Utah and other states.

SR-22 Insurance in Utah

If you're found guilty of a major traffic offense in Utah, such as driving under the influence (DUI), you'll likely be required to carry SR-22 insurance. After your license is reinstated, the Utah Insurance Rules mandate that the SR-22 certification must be maintained for a period of three years. This rule applies even if you move out of state. If your policy lapses during this period, your insurer is obliged to inform the Utah Driver License Division, which could result in the suspension of your license.

It's essential to note that if you don't own a vehicle but still want to maintain your license, you'll need a non-owner SR-22 policy.

SR-22 Insurance in Other States

Just as a Salt Lake City DUI Attorney would help you navigate the legal requirements after a DUI charge, so too can they guide you through the SR-22 process. But how does this compare with the process in other states?

In some states like New York, North Carolina, and Delaware, SR-22 insurance isn't required, no matter the severity of your traffic violation. Conversely, in states like Texas and California, SR-22 requirements are stricter, with minor infractions also leading to an SR-22 requirement.

In Florida, for instance, if you cause an accident that results in bodily injury and property damage, you might be required to carry additional insurance coverage, similar to the SR-22. However, this would be in the form of an FR-44 document, which demands higher liability limits than the SR-22.

Moving between states can complicate matters. If you're required to maintain an SR-22 in one state but then move to another, you'll typically still need to fulfill the SR-22 requirements for the state where the offense occurred. It's advisable to consult with a Salt Lake City personal injury attorney or equivalent legal expert in your new state to ensure you're meeting all obligations.

Finding Help With SR-22 Insurance

Navigating the SR-22 insurance requirements, whether in Utah or elsewhere, can be a daunting task. This is where legal professionals can provide valuable guidance. For Utah residents, the Salt Lake City Law page offers resources for various legal requirements, including finding a Salt Lake City accident lawyer or understanding the process for filing SR-22.

Whether you're dealing with the aftermath of a traffic violation or just trying to understand SR-22 insurance, remember to consult with a professional who understands the unique laws in your state. And, if you find yourself visiting Salt Lake City and need accommodation suggestions, check out our top picks for Hotels Downtown Salt Lake City or The 7 Best Hotels Downtown Salt Lake City.

Navigating SR-22 insurance requirements can be challenging, but with the right information and resources, you can successfully meet your obligations and keep your driving privileges intact.


SR22 insurance in Utah may seem like a complex issue, but with the right information, you can navigate this requirement with ease. If you need an SR22, it's crucial to understand what it is, why you might need it, and how to obtain and maintain it. And remember, safe and responsible driving is the best way to avoid needing SR22 insurance in the first place. Enjoy your journey through Utah, and always prioritize safety.

Utah SR 22 Insurance FAQ

What is SR-22 Insurance in Utah?

SR-22 insurance in Utah is a document filed by your car insurance company to the state. It's not a type of insurance, but rather a certificate that proves you carry the state's minimum car insurance requirements. This certificate is typically required after a serious traffic violation like a DUI or reckless driving.

Why would I need an SR-22 in Utah?

You may need an SR-22 in Utah if you have had your license suspended or revoked as a result of a DUI, reckless driving, driving without insurance, or some other traffic offenses. In these instances, the SR-22 certificate proves that you have the required insurance coverage to drive.

How do I get SR-22 insurance in Utah?

To get SR-22 insurance in Utah, you'll need to contact your auto insurance provider. Not all insurers offer SR-22 filing services, so you may need to shop around if your current insurer doesn't offer this service.

What are the costs associated with SR-22 insurance in Utah?

SR-22 insurance in Utah comes with two main costs: the filing fee and the increased premium. The filing fee is a one-time charge that typically ranges from $15-$25. However, the bigger expense is the increase in your car insurance rates, which can potentially double or even triple depending on your violation.

How long do I need to carry SR-22 insurance in Utah?

In Utah, you're typically required to carry SR-22 insurance for three years from the date of your conviction. However, the exact duration can vary depending on the severity of your violation and the judgment of the court.

Can I get SR-22 insurance if I don’t own a car?

Yes, you can get non-owner SR-22 insurance in Utah if you don't own a car. This type of insurance is designed for drivers who need to meet their SR-22 requirements but don't own a vehicle.

Can I get rid of my SR-22 status early?

No, you cannot get rid of your SR-22 status early. You're required to maintain your SR-22 status for the court-ordered period, which is typically three years for most violations in Utah.

What happens if my SR-22 insurance lapses or cancels?

If your SR-22 insurance lapses or cancels, your insurance company is required by law to inform the Utah DMV. This could result in your driving privileges being suspended again.

How do I find cheap SR-22 insurance in Utah?

To find cheap SR-22 insurance in Utah, it's a good idea to shop around and compare quotes from different insurance companies. Keep in mind that your rates will be higher than average due to the nature of the SR-22.

Does every state require SR-22 insurance?

No, not every state requires SR-22 insurance. Each state has its own laws and regulations regarding high-risk insurance. It's important to check the requirements for your specific state.

Will my SR-22 insurance affect my credit score?

No, having an SR-22 insurance certificate itself won't affect your credit score. However, if the events leading up to the SR-22 filing involved fines or tickets that you didn't pay, these could show up on your credit report and negatively affect your score.

Can I switch insurance providers if I have SR-22 insurance?

Yes, you can switch insurance providers even if you have SR-22 insurance. However, you must ensure there is no lapse in coverage during the transition. Any lapse will be reported to the state, which could result in the suspension of your driving privileges.

What's the difference between an SR-22 and SR-22a?

An SR-22 is a form that provides proof of financial responsibility. The SR-22a is a similar form but is used for specific cases, including repeat traffic offenders and drivers who have received a judgment for financial responsibility for an accident.

Can I get SR-22 insurance in Utah if I move to another state?

If you're required to file an SR-22 in Utah, and you move to another state, you'll still need to meet the SR-22 requirements for Utah. Contact your insurance provider for more details on out-of-state SR-22 requirements.

Do I need SR-22 insurance after a DUI in Utah?

Yes, you typically need SR-22 insurance after a DUI conviction in Utah. The exact requirements can vary, so it's important to check with your court or state DMV for your specific situation.

Is SR-22 insurance required for a Utah hardship license?

Yes, SR-22 insurance is typically required to obtain a hardship license (also known as a limited driving privilege) in Utah. A hardship license allows you to drive to and from specific locations, such as work or school, during a suspension period.

Can I drive in other states with my Utah SR-22 insurance?

Yes, your Utah SR-22 insurance is valid when driving in other states. However, it's essential to ensure your policy meets the minimum auto insurance requirements for the state you're driving in.

Is an SR-22 required for a reckless driving conviction in Utah?

Yes, an SR-22 is typically required for a reckless driving conviction in Utah. If you're convicted of reckless driving, you'll likely need to carry SR-22 insurance for three years from the date of your conviction.

What happens if I don’t get SR-22 insurance in Utah when required?

If you don't get SR-22 insurance in Utah when required, you risk having your driver's license suspended. Failure to maintain proper insurance could also result in fines or other penalties.

Can I get SR-22 insurance from any auto insurance provider in Utah?

Not all auto insurance providers in Utah offer SR-22 filing services. You'll need to check with your current insurer or shop around if they don't offer this service.

What happens when I don't need SR-22 insurance in Utah anymore?

When you no longer need SR-22 insurance in Utah, you can contact your insurance provider and ask them to remove the SR-22 filing from your policy. This may result in lower car insurance premiums.

How will I know when I don't need SR-22 insurance anymore?

Typically, the court or DMV will inform you when you no longer need SR-22 insurance. You can also keep track of your required filing period, which is usually three years in Utah.

Does an SR-22 cover any vehicle I drive in Utah?

Yes, an SR-22 covers any vehicle you drive in Utah. However, if you own a vehicle, you'll need an owner's SR-22 policy. If you don't own a vehicle but still drive, you'll need a non-owners SR-22 policy.

Will my employer know I have an SR-22?

Your employer will not be automatically notified if you have an SR-22. However, they might find out if they perform a driving record check and it shows on your driving record.

Will my SR-22 insurance be canceled if I sell my car?

Your SR-22 insurance will not automatically be canceled if you sell your car. However, if you plan to stop driving altogether, you can cancel your insurance policy. If you get another car or plan to drive another vehicle, you must ensure that your SR-22 insurance is still in place.

How does SR-22 insurance work if I move out of Utah?

If you move out of Utah, you will still be required to meet the SR-22 requirements of Utah. However, you should notify your insurer of the move so they can adjust your policy and ensure you're meeting the insurance requirements of your new state.

What's the difference between SR-22 insurance and regular auto insurance?

The main difference between SR-22 insurance and regular auto insurance is the SR-22 form, which is a certificate proving that you carry the state's required minimum auto insurance. Regular auto insurance policies do not include this form, which is typically only required after serious traffic violations.

How can I reduce my insurance rates after getting an SR-22?

To reduce your insurance rates after getting an SR-22, you can take a defensive driving course, maintain a clean driving record, or shop around for different insurance providers. After maintaining a clean record for a few years, you may be able to negotiate lower premiums.