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Key Takeaways
- The minimum coverage SR-22 insurance in Utah costs about $1,056 per year when an SR-22 is filled out as a result of a DUI.
- In Utah, SR-22 insurance for driver's costs, on average, is $2556 per year.
- In Utah, USAA charges an average of $678 a year for a policy with the bare minimum of coverage, making it the least expensive option for SR-22 auto insurance.
- When compared to SR-22 drivers with bad credit, the average monthly payment for those with bad credit but clean records is $2448 instead of $3036.
- You might need SR-22 insurance in Utah for a while, up to three years, depending on your charge.
What is SR-22 insurance in Utah?
For Utah drivers who have committed a significant traffic infraction like a DUI, SR-22 insurance is mandatory. A different insurance plan is not SR-22 insurance. Instead, it's additional paperwork that your insurer submits on your behalf to demonstrate that you comply with the state's minimum insurance requirements.
Which Utah insurance companies offer the cheapest SR-22 insurance?
The cost of SR-22 insurance is often more than that of standard auto insurance coverage because of how serious the underlying driving infraction is. Even while the form itself just requires a minor one-time payment, having a DUI or reckless driving ticket on your record can significantly raise your insurance rates.
When an SR-22 is filled due to a DUI, the minimum coverage SR-22 insurance in Utah costs roughly $1,056 per year. In Utah, the average cost of a standard policy without an SR-22 is $706 per year.
There are some affordable solutions available in Utah if you're seeking affordable SR-22 insurance. According to Way.com, USAA has the lowest SR-22 vehicle insurance rates in Utah, charging an average of $678 per year for a policy with the bare minimum of coverage.
Only previous, present, and family members of the military forces have access to USAA policies. State Farm has the most economical policy for all consumers, at $851 a year.
Cheapest companies for Sr-22 insurance in Utah
| Company | Average Annual Premium |
|---|---|
| USAA | $678 |
| State Farm | $839 |
| Progressive | $881 |
| Farmers | $902 |
| All State | $924 |
| American Family | $1022 |
| Esurance | $1042 |
| Nationwide | $1318 |
| MetLife | $2058 |
What is the average cost of SR-22 insurance in Utah?
The average cost of SR-22 insurance for a motorist is $2556 annually, compared to about $2112 for those who have no moving infractions.
Who offers the cheapest SR-22 insurance in Utah?
There are some affordable solutions available in Utah if you're seeking affordable SR-22 insurance. USAA has the lowest SR-22 vehicle insurance rates in Utah, charging an average of $678 per year for a policy with the bare minimum of coverage.
Only former, current, and family members of the military forces have access to USAA policies. State Farm has the most economical policy for all consumers, at $839 a year.
How much does credit score affect SR-22 insurance in Utah?
The average cost of SR-22 insurance, depending on your credit score, differs by $45 if you must purchase it. If you had no violations and good credit, your monthly payment would be $2014 instead of $2496 if you had exceptional credit.
The average monthly payment for people with bad credit but clear records is $2448, as opposed to $3036 for SR-22 drivers with bad credit.
| Credit Score | Average Annual Rate- No violation | Average Annual Rate- SR-22 | Difference |
|---|---|---|---|
| Excellent | $179 | $219 | $40 |
| Good | $198 | $243 | $45 |
| Average | $201 | $245 | $45 |
| Poor | $215 | $264 | $49 |
Who Needs SR-22 Insurance in Utah? And for How Long Do They Need It?
The offenses that necessitate SR-22 insurance can vary from state to state. The offenses in Utah most likely to necessitate SR-22 insurance include:
- DUI
- Reckless driving
- Driving a car without insurance
- Driving while under suspension
After a very modest violation, such as a citation or common accident, an SR-22 is typically not necessary. In some situations, drivers can compare prices to avoid paying the high premiums for SR-22 insurance.
Depending on your charge, you may require SR-22 insurance in Utah for up to three years. However, lengthier times can occur if there is a lapse in coverage.
How Do You Get SR-22 Insurance in Utah?
Your insurance company can digitally submit an SR-22 to the state at your request. Some insurance companies may decide not to cover you if you require an SR-22 because high-risk drivers are required to file these. When you do get coverage, the prices will be significantly higher than they were before your driving infraction.
Non-Owner SR-22 Insurance in Utah
But you could be saying, "But I don't have a car!" Do you only occasionally drive and always use a friend's car? If so, you might want to look into non-owner SR-22 insurance. It's difficult to qualify, and you must speak personally with the insurance provider, but if you do, you can save money.
Utah SR-22 Insurance: The Bottomline
| SR-22 Needed After | Serious traffic offense and/or suspension of the license |
| Required For | 3 years |
| Average Rate Increase | $40 |
| Minimum Bodily Injury Liability Coverage | $50,000 per person / $100,000 per accident |
| Minimum Property Damage Liability Coverage | $10,000 |
| Additional coverage required | Personal injury protection - $25,000 |
| Property protection insurance - $10000 |
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently asked questions
What is SR-22 insurance in Utah?
It is a form that your insurance companies fill out and submit to the state that demonstrates that you have the bare minimum liability insurance coverage required by law.
How much is SR-22 insurance in Utah?
The minimum coverage SR-22 insurance in Utah costs about $1,056 per year when an SR-22 is filled out as a result of a DUI.
Does USAA offer SR-22 insurance?
Yes, USAA offers SR-22 insurance with the lowest average annual premiums.
What happens to my SR-22 in Utah if I move?
If you move outside of Utah, an out-of-state filing is necessary. Even though it would be wonderful, traveling across states won't let you escape the SR-22 requirement.
Do I need an SR-22 in Utah if I don't have a car?
If you don't own a vehicle and don't borrow one from a family member or someone you live with, you should obtain non-owner SR-22 insurance.
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