SR-22 insurance in Utah
In Utah, the SR-22 filing fee is about $15–$25 and most drivers pay $127–$153/month for minimum coverage. Utah requires the filing for three years.
Utah has the strictest DUI threshold in the country — 0.05% BAC, where most states use 0.08% — so more drivers end up needing an SR-22 here at lower levels of drinking than anywhere else.
Cheapest SR-22 carriers
How the violation changes the price
How filing works in Utah
In Utah, your insurer files the SR-22 electronically with the Driver License Division (DLD). Utah requires it for three years from the qualifying violation or suspension, and the minimum liability rose on January 1, 2025 to 30/65/25 — the $65,000 per-accident bodily-injury figure is higher than most states' $50,000. Because Utah is a no-fault state, your policy also has to carry at least $3,000 in Personal Injury Protection (PIP).
The rule that sets Utah apart is its 0.05% BAC limit — the strictest in the country. A DUI conviction or a chemical-test refusal at that low threshold triggers the SR-22, so drivers who'd be under the limit in any other state can end up filing here. Reinstatement takes a new SR-22 plus a $30 DLD fee.
There's no grace period. If coverage lapses, the DLD suspends your license and the three-year clock resets to zero.
The 0.05% rule changes who ends up filing
Utah is the only state with a 0.05% BAC limit — every other state uses 0.08%. That single difference is the most important thing to understand about a Utah SR-22, because it means a driver who'd be under the limit anywhere else can be convicted in Utah and required to file. A conviction or a chemical-test refusal at 0.05% triggers the SR-22, so the pool of Utah drivers who need one is broader than the national norm. If you're filing here after a borderline-BAC stop, you're not alone — the threshold, not unusual behavior, is why. Estimate your figure with the SR-22 cost calculator, or compare states on the SR-22 cost page.
Higher limits and mandatory PIP
Two Utah rules make the "minimum" policy carry more than in most states. First, Utah raised its liability minimums on January 1, 2025 to 30/65/25 — the $65,000 per-accident figure is unusually high. Second, as a no-fault state, Utah requires at least $3,000 in PIP medical coverage on every policy. Neither is an SR-22 add-on; they're baseline Utah coverage. But they're why a Utah minimum quote can look higher than a neighboring state's — you're buying more coverage, not just paying a bigger surcharge.
Reinstating after a Utah DUI
A Utah DUI stacks requirements on top of the SR-22. Beyond the filing and the $30 DLD fee, a conviction generally means an ignition-interlock-restricted license for a set period, and Utah's interlock rules are among the stricter ones — first-time offenders typically install the device, and repeat or high-BAC offenders face longer terms. You'll also complete a screening or educational program before full reinstatement. Because the 0.05% threshold pulls in more drivers, more Utahns navigate this interlock-plus-SR-22 stack than in higher-threshold states — budget for the interlock's monthly lease alongside the surcharged premium, since together they usually outweigh the SR-22 filing fee itself.
The SR-22 won't tell your employer
A common worry among newly high-risk drivers is whether the filing reaches an employer. As drivers explain on r/dui, an SR-22 is "simply your insurance company letting the DMV know that you carry the minimum insurance limits — that's it." It's a filing between your insurer and the Utah DLD, not a report to your job. The exception is if you drive for work and your employer pulls your motor-vehicle record, where the underlying DUI — not the SR-22 form — would show.
Cheapest SR-22 carriers in Utah
Kemper posts the lowest minimum-coverage SR-22 rate in 2026 studies at about $127, with GEICO, Allstate, and Farmers higher. Utah's baseline sits a bit above average because of its coverage requirements, so quote at least three carriers; the cheapest SR-22 guide covers who stays friendliest to high-risk drivers.
Non-owner SR-22 in Utah
If you don't own a car, a non-owner SR-22 satisfies the filing at a lower premium and covers you in borrowed or rented vehicles. It's only valid if you genuinely don't own a registered vehicle; our non-owner SR-22 guide covers who qualifies.
If your Utah SR-22 lapses
A lapse resets the three-year clock to zero, re-suspends your license, and makes you re-file plus pay the $30 DLD fee. Auto-pay is the safest guard — and coordinate carefully if you switch carriers, since an uncoordinated transfer is a common cause of an accidental gap. If you've already lapsed, see what happens when an SR-22 lapses and reinstating your license. Neighboring Idaho and Colorado run their filings differently, which matters if you move mid-term.
A driver who needs an SR-22 in Utah typically pays about: