Official Utah Guide

Utah SR-22 Insurance

A complete roadmap to satisfying Utah Driver License Division requirements. Compare rates, understand liability limits, and get your license reinstated today.

Speak to UT Agent

Min. Liability

25/50/15

$25k BI / $50k Total / $15k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Utah SR-22 Filing Works

In Utah, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Utah Driver License Division (DLD). It provides legal proof that you carry the state-mandated minimum liability insurance (25/50/15) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the DLD and may reset your 3-year filing period.

Compare 20+ Utah Providers

Don't call carriers one by one. Use our tool to find agents in your specific Zip Code who specialize in high-risk filings.

Free Service • Instant Results

Who Needs to File in UT?

DUI / Alcohol Offenses: Driving under the influence or alcohol-related reckless driving convictions.
Uninsured Accident: Being involved in a reportable accident while failing to maintain valid liability insurance.
Frequent Violations: Accumulating too many points on your record within a 12 or 24-month window.
Unsatisfied Judgments: Failure to pay court-ordered damages resulting from a motor vehicle accident.

Don't Own a Car in Utah?

You can still get reinstated! A Utah Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Utah DLD requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The UT Reinstatement Timeline

Check Eligibility

Access the Utah DLD online services portal to confirm your eligibility date and required reinstatement fees.

Secure SR-22

Purchase a policy with 25/50/15 limits. Your insurance carrier will electronically transmit the certificate to the DLD database.

Pay Reinstatement Fee

Pay the mandatory fees (typically $65 to $250 depending on the offense) online or at a local DLD office.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Utah:

First Offense

Immediate Re-Suspension

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Potential Class B Misdemeanor

Local Agents by City

Find specialized support in your area.

Salt Lake City West Valley City Provo West Jordan Orem Sandy Ogden St. George Layton South Jordan

Utah Filing FAQs

How much is the filing fee in Utah?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Utah DLD. This is separate from your monthly premium.

Can I drive out of state with a UT SR-22?

Yes. Your Utah SR-22 is valid nationwide. You must simply maintain the Utah-specific limits (25/50/15) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance; it is a certificate of financial responsibility attached to your policy that notifies the DLD if your coverage lapses.

Can I get a Non-Owner policy in UT?

Yes, Utah allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Utah law requires insurers to notify the DLD immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Utah DLD to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

Call Now for Quotes