Utah SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Rather have an agent call you?
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How SR-22 works in Utah
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Utah Driver License Division (DLD) to prove you carry at least the state minimum coverage. Utah usually requires one after a conviction for driving without insurance, an accident with an uninsured vehicle registered to you, or a court order for damages from an uninsured accident, and you typically keep it for 3 years from the conviction date.
- Your insurance company or agent files the SR-22 with DLD for you
- Keep the policy active the whole time. If it ends, your insurer notifies DLD and your license can be suspended for the rest of the 3 years
- A licensed agent can quote it today and explain your options
Utah minimum car insurance
For policies issued or renewed since January 1, 2025, Utah requires at least $30,000 for injuries per person, $65,000 per accident and $25,000 for property damage, plus $3,000 of personal injury protection (PIP). Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Utah
If you don't own a car, Utah law allows an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Utah
We help drivers anywhere in Utah. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Utah SR-22 questions
Who needs an SR-22 in Utah?
Utah's Driver License Division usually requires one after a conviction for driving without insurance or without proof of insurance, an accident with an uninsured vehicle registered to you, or a court order for damages from an uninsured accident. DLD tells you by mail if you need one.
How long do I need an SR-22 in Utah?
Typically 3 years from the date of conviction. Your DLD letter sets your exact period.
What happens if my SR-22 lapses in Utah?
Your insurer has to tell DLD when the policy ends, and DLD can suspend your license for the rest of the 3-year period. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Utah without a car?
Yes. Utah law allows an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: Utah Driver License Division: SR22 insurance · Utah Code 31A-22-304: minimum limits
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