SR22 Insurance Utah: What You Need to Know

If you live in Utah and have been convicted of certain driving offenses, you may be required to obtain an SR22 insurance policy. This type of insurance is also known as high-risk insurance, and it is typically more expensive than traditional car insurance.

What is SR22 Insurance?

SR22 insurance is a type of insurance policy that is required for individuals who have been convicted of certain driving offenses, such as driving under the influence (DUI), driving without insurance, or causing a serious accident. The SR22 certificate is a form that is filed with the Utah Division of Motor Vehicles (DMV) to prove that you have the required insurance coverage.

It is important to note that SR22 insurance is not a type of insurance policy, but rather a certificate that is attached to your existing insurance policy. This means that you will need to have an active insurance policy in order to obtain an SR22 certificate.

When is SR22 Insurance Required?

There are a few different scenarios in which you may be required to obtain an SR22 insurance policy in Utah. Some of these scenarios include:

• You have been convicted of a DUI or DWI
• You have been caught driving without insurance
• You have been involved in a serious accident
• You have too many points on your driving record

If you are unsure whether you need to obtain an SR22 certificate, you should speak with an experienced insurance agent who can help you understand your options.

How to Obtain SR22 Insurance in Utah

In order to obtain SR22 insurance in Utah, you will need to follow a few simple steps:

1. Contact your insurance provider: If you currently have car insurance, contact your provider to see if they offer SR22 certificates. If they do, you can simply add the certificate to your existing policy.
2. Find a new insurance provider: If your current provider does not offer SR22 certificates, you can look for a new insurance provider who does. Make sure to compare rates and coverage options to find the best policy for your needs.
3. File the SR22 certificate: Once you have obtained the necessary insurance policy, your insurance provider will file the SR22 certificate with the DMV on your behalf.

How Much Does SR22 Insurance Cost in Utah?

The cost of SR22 insurance in Utah can vary depending on a number of factors, such as your driving record, age, and the type of car you drive. However, you can expect to pay more for an SR22 certificate than you would for a traditional car insurance policy.

FAQ

How long do I need to have SR22 insurance in Utah?

In most cases, you will need to maintain your SR22 insurance policy for three years. However, the length of time can vary depending on the specific circumstances of your case.

What happens if I cancel my SR22 insurance policy?

If you cancel your SR22 insurance policy before the required period has ended, your insurance provider will notify the DMV, and your driving privileges may be suspended as a result. To avoid this, it is important to maintain your SR22 insurance policy for the full required period.

Can I still drive if I have an SR22 certificate?

Yes, you can still drive if you have an SR22 certificate, as long as you have an active insurance policy that meets the minimum requirements for the state of Utah.

Conclusion

If you have been convicted of a driving offense in Utah, it is important to understand the requirements for obtaining SR22 insurance. By working with an experienced insurance agent and maintaining your policy for the required period, you can protect your driving privileges and get back on the road safely.