SR-22 insurance in Utah
What Utah requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Utah write the policies that carry it, from the state's own pages and the insurance company directory.
Utah uses the SR-22 filing. Who needs it: A conviction for driving without insurance or proof of insurance, an uninsured vehicle in your name in an accident, a court order for uninsured accident damages, and Driving Privilege Card holders without proof. How long: Typically 3 years from the conviction; your DLD letter states your exact period. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Utah; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Utah requires
From Utah Driver License Division (Department of Public Safety); sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | A conviction for driving without insurance or proof of insurance, an uninsured vehicle in your name in an accident, a court order for uninsured accident damages, and Driving Privilege Card holders without proof. |
| How long | Typically 3 years from the conviction; your DLD letter states your exact period. |
| State fees | No separate state SR-22 filing fee; insurer sets the policy cost. Reinstatement: $40 for no insurance; $85 plus a $262 administrative fee for alcohol/drug offenses. |
| Non-owner filing | Not stated on DLD pages. State law lets the certificate omit vehicles for a non-owner, so an operator's policy certificate is allowed. |
| How it's filed | Your Utah-licensed insurer or agent submits the AAMVA SR-22 through the DLD SR22 Portal in real time. You may also email, fax or hand it in; it must be signed within 30 days. |
| If the policy cancels | Your insurer files an SR-26 within 10 days of cancellation. What happens to you next (re-suspension, restart) is not stated by the state. |
| Minimum liability limits | 30/65/25 (bodily injury per person / per accident / property damage) or a $90,000 combined single limit, for policies since Jan 1, 2025. |
| Who handles it | Utah Driver License Division (Department of Public Safety) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Utah?
Typically 3 years from the conviction; your DLD letter states your exact period.
Who needs an SR-22 in Utah?
A conviction for driving without insurance or proof of insurance, an uninsured vehicle in your name in an accident, a court order for uninsured accident damages, and Driving Privilege Card holders without proof.
Can I get a non-owner SR-22 in Utah?
Not stated on DLD pages. State law lets the certificate omit vehicles for a non-owner, so an operator's policy certificate is allowed.
What happens if my policy cancels during the SR-22 period?
Your insurer files an SR-26 within 10 days of cancellation. What happens to you next (re-suspension, restart) is not stated by the state.
Sources
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.