Cheapest SR-22 Car Insurance in Utah in 2027
Auto-Owners has the cheapest SR-22 insurance in Utah for drivers caught without insurance
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- Utah drivers who are caught without car insurance need an SR-22 certificate to get their license reinstated.
- An SR-22 proves to the state you have at least the minimum required car insurance coverage.
- SR-22 insurance is usually more expensive than regular car insurance. You’ll pay higher rates for having violations on your driving record, and you may pay a small filing fee for the SR-22 form itself.
The cheapest SR-22 insurance in Utah
Auto-Owners has the cheapest insurance with an SR-22 in Utah if you were caught driving without insurance, at $75 per month for minimum coverage. That’s about half as much as the state average of $158 per month.
USAA also has cheap rates, at $78 per month for minimum coverage. But you can only get USAA if you’re affiliated with the military, an employee of certain federal agencies or a qualifying family member.
Cheapest companies for SR-22 in Utah
| Company | Min. coverage | Full coverage | LendingTree rating | |
|---|---|---|---|---|
 | Auto-Owners | $75 | $177 | Read Our Review |
 | Geico | $126 | $257 | Read Our Review |
 | Farm Bureau | $130 | $317 | Read Our Review |
 | Progressive | $135 | $333 | Read Our Review |
 | Allstate | $141 | $283 | Read Our Review |
 | United Insurance Group | $150 | $269 | NA |
 | Nationwide | $177 | $325 | Read Our Review |
 | American Family | $228 | $510 | Read Our Review |
 | Farmers | $340 | $731 | Read Our Review |
 | USAA* | $78 | $195 | Read Our Review |
Non-owner SR-22 insurance cost
If you were caught driving a car while uninsured, you may need to get an insurance policy and SR-22 certificate in order to reinstate your driver’s license, even if you don’t own a car.
In this case, you can buy what’s called a non-owner car insurance policy. A non-owner insurance policy is a liability-only car insurance policy that doesn’t cover a specific car, so it’s generally cheaper than a standard policy. But it’s also important to note that non-owner coverage doesn’t give you any protection for the car you’re driving.
When do you need SR-22 insurance in Utah?
In Utah, SR-22 forms are usually needed after you’re caught without insurance. That can happen in a few ways:
- You’re caught driving without insurance
- You’re caught driving without proof of insurance
- You cause an accident and don’t have insurance
- You’re given a court order for damages when you didn’t have insurance
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You have a Driving Privilege Card (DPC)
A Utah Driving Privilege Card (DPC) allows people who can’t prove lawful presence in the U.S. to drive legally.
and can’t show proof of insuranceA Utah Driving Privilege Card (DPC) allows people who can’t prove lawful presence in the U.S. to drive legally.
When do I need non-owner SR-22 insurance in Utah?
Drivers who don’t own a car but have been cited for driving without insurance in Utah may need to get non-owner SR-22 coverage to drive legally.
Non-owner SR-22 coverage is often cheaper than regular insurance with an SR-22, since it doesn’t cover a vehicle. However, some companies will not offer non-owner SR-22 coverage, so you might have to shop with higher-risk companies.
You also must get a non-owner SR-22 policy if you are caught driving uninsured and get rid of your car.
Frequently asked questions
SR-22 insurance is a car insurance policy that has an SR-22 form attached to it. An SR-22 form proves your insurance is active and that your insurance company agrees to tell the government right away if you cancel your policy. In Utah, most drivers are required to get an SR-22 if they are caught driving without insurance.
The average price of SR-22 insurance in Utah is $158 per month for minimum coverage if you’re caught driving without insurance. Auto-Owners has the lowest average rate, at $75 per month for minimum coverage.
Yes, USAA offers SR-22 insurance. The company has a low average rate of $78 per month for minimum coverage if you’re caught driving without insurance, but only members of the military and their family members can get insurance through USAA.
Methodology
To find the cost of SR-22 coverage for Utah drivers, LendingTree compared quotes from major insurance companies in the state across every residential ZIP code. Rates are for a 30-year-old man with good credit who has a 2018 Honda Civic EX.
Minimum coverage rates are based on a policy with only Utah’s minimum required insurance coverages. Full coverage rates are for higher liability limits as well as comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
LendingTree’s analysis used insurance rate data from Quadrant Information Services, which ultimately come from publicly available insurance filings. These rates should be used for comparative purposes only. Your own quotes may be different.
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our car insurance ratings methodology and full editorial guidelines for further details.
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*USAA is only available to military members, veterans and certain family members.