Non-Owner SR-22 Insurance in Utah
If Utah has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Utah requires at least 25/65/15 plus PIP liability coverage.
Who needs a non-owner SR-22 in Utah?
Utah drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Utah Driver License Division.
How to get a non-owner SR-22 in Utah
- Confirm the requirement. Check your suspension notice or court paperwork, or call the Utah Driver License Division, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
- Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
- Buy the policy and pay the filing fee. The insurer files the SR-22 with Utah electronically, usually within one business day.
- Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.
Utah details to know
Utah has an unusual 25/65/15 liability minimum and is a no-fault PIP state. Utah's legal blood alcohol limit is 0.05%, the lowest in the country, so DUI-related SR-22s are common.
Utah non-owner SR-22 FAQ
Why is Utah's limit 25/65/15?
It is Utah's legal minimum, which requires $65,000 per accident for bodily injury.
Does Utah's 0.05 BAC law affect SR-22s?
It means more drivers face DUI charges, and therefore SR-22 requirements.
Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Utah Driver License Division or your court before you buy a policy.
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