Have you been informed that you need SR-22 insurance in Utah? If you are looking for “SR-22 insurance,” it’s important to know that SR-22s are not a type of insurance, but are proof of insurance forms sent to the DMV by your insurance provider.
Other forms are used across the nation that are quite similar, with subtle differences depending on the state. The costs and technicalities of these forms will help you better understand the purpose of SR-22s and whether or not they affect your car insurance rate.
What is “SR-22 insurance?”
Instead of being a type of insurance, a Utah SR-22 is a document the DMV keeps on file that legally proves you have met your state’s minimum insurance requirements.
Utah requires all drivers to have a 25/65/15 policy. Written out, this means insurance providers must cover up to:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 per accident for property damage
Therefore, an SR-22 in Utah proves that your car insurance either meets or exceeds a 25/65/15 policy.
If you live in another state, the form type may be a little different, as indicated in the table below.
SR-22 Utah alternatives
|Form||States issued||Required insurance minimums|
|SR-22||All states except: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma||Standard liability per state|
|SR-19||California, Texas||Standard liability|
|SR-21||Florida, Georgia, Indiana||Standard liability|
|SR-22A||Georgia, Texas, Missouri||Standard liability, but 6 months of insurance must be prepaid.|
|FR-44||Florida, Virginia||Double liability|
- Texas— Installment agreement between an at-fault driver and an injured party where the at-fault driver agrees to pay an agreed upon sum in monthly payments. A copy of the signed agreement is kept on file at the state’s DMV.
- California— Verification of no insurance, which is required for uninsured motorist coverage to take effect.
- SR-21: Required after an accident in some states to verify that you had insurance before the accident. Often requested after a crash that leads to bodily injury, death, or property damage totalling more than $1,000. An SR-21 must be digitally delivered to the state’s department of motor vehicles shortly after an accident has occurred.
- SR-22A: Required after a repeat offense of driving uninsured. Some states require the driver to prepay up to 6 months for a liability policy and have an SR-22A on file for up to three years.
- FR-44: A proof of insurance form that proves financial responsibility (hence the ‘FR’). Because it is often required after a DWI or DUI accident, the minimum liability requirements are often doubled.
- SR-50: A form attached to your policy that verifies you are carrying your state’s mandated minimum liability requirements. It is very similar to an SR-22, but is only required in Indiana after you have been convicted of a DWI, DUI, or had too many at-fault accidents.
If you don’t own a vehicle but still require car insurance to satisfy an SR-22 request, you may need to purchase a ‘non-owner’ auto insurance policy before pursuing an SR-22. Luckily, a non-owner insurance policy is often cheaper than a standard policy because you’re not insuring any particular car.
There are two situations where this may be necessary:
- You often drive rentals but don’t own a car
- Your state is requiring you to purchase car insurance (because of a possible past DWI or other offense) to keep your license, but you don’t presently own a car
SR-22 Insurance Costs
Most insurance companies charge a filing fee. Rates vary, but expect a one time charge of around $25.
Although an SR-22 is not insurance, being required to have it will potentially have an indirect affect your insurance rate. How much so depends on the offense that necessitated it in the first place. A DUI, for example, drastically increases how much an insurance company charges for both minimum and full coverage.
No matter what your driving record looks like, it is a primary factor in determining how much you pay for minimum coverage each month.
SR-22A in Utah
SR-22As and SR-22s are very similar. Once mandated by either a court or the DMV, you must comply for three years. If you don’t, you will lose both your license and possibly vehicle registration. To the state, both guarantee present and future coverage.
Having an SR-22A on file means you must prepay your insurance premium six months at a time, which can be quite expensive if your premium is already high. The difference between an SR-22A and SR-22 is that an SR-22A is required after repeat offenses of driving without insurance (DWI). It’s not often that it’s demanded after any other offense, but it depends on its severity.
It’s when you fail to comply with a previous judgment that a judge may give you a second chance and switch the requirement to an SR-22A instead of suspending your license and vehicle registration.
Of the two, you want an SR-22 because you can fulfill your obligations by only making monthly payments as opposed to six months worth of payments.
How long do I need an SR-22 in Utah?
It depends on whether your SR-22 requirement was mandated by a judge to stay active for a set period of time. If so, the norm in Utah is three years. The severity of your offense may contribute to how long you’ll need to have an SR-22, but in Utah three years is the standard amount of time to have an SR-22.
This is also how long you’ll need to have it if mandated by the DMV, too.
If you get other offenses, the requirement to have an active SR-22 form may be longer.
How do I get SR-22 insurance in Utah?
SR-22 is not insurance — it is proof of insurance, so think of it as a certificate of insurance rather than insurance itself. The only way to get an SR-22 form is from a car insurance company, typically the one who you are insured with. Once you are insured, your provider will forward your SR-22 to the DMV for you upon request.
How much does SR-22 insurance cost in Utah?
SR-22 forms typically cost less than $50 for the filing fee. The form itself does not affect your insurance rate, but the reason you’re required to get an SR-22 can affect your insurance. Driving history is one of the biggest contributing factors in the cost of any premium. If you have long lapses in coverage and a DUI on record, you will pay significantly more with most providers.
What driving offenses trigger needing an SR-22?
A few things may require you to have an SR-22 on file with the DMV. These include:
- Driving without car insurance
- Driving without a valid license
- Failure to pay your court ordered child support
- Too many driving offenses within a short time period (Example: five speeding tickets within half a year)
- Too many at-fault accidents or collisions
Judges are most likely to require an SR-22 for DUIs and DWIs.
Who can require a driver to have an SR-22?
An SR-22 can be ordered one of two ways: By a court or the DMV.
If you’re ordered to get an SR-22 from your DMV, you will get a formal letter in the mail stating so and how long you have to comply.
If you’re ordered to get an SR-22 while in court, your judge will clearly state this fact to you. Though demanded by a court, the SR-22 must still be sent to the DMV. There is no need to have it sent anywhere else.
If you don’t get an insurance company to send an SR-22 to the DMV, you will lose both your license and vehicle registration.