SR-22 Insurance in Utah
When Utah requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: After a conviction for driving uninsured, proof of insurance (such as an SR-22-type certificate of insurance, bond or deposit) must be filed and kept with the department for three years. Utah Code §§ 41-12a-302(8), 41-12a-411
| SR-22 filing | After a conviction for driving uninsured, proof of insurance (such as an SR-22-type certificate of insurance, bond or deposit) must be filed and kept with the department for three years. Generally, anyone required to give proof must maintain it for three years from the date the filing was last requested; if it lapses or is canceled, the license or registration can be refused until proof is re-established. |
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| Driving without insurance | Driving (or letting someone drive) a vehicle without insurance, or failing to show proof on demand, is a class C misdemeanor with a minimum fine of $400; the court may waive up to $300 for an owner who gets insurance before sentencing. A second or later offense within three years carries a minimum $1,000 fine. After a conviction, the driver license is suspended and will not be renewed or reissued until proof of insurance is given and kept on file with the Driver License Division for three years. § 41-12a-302 was amended effective May 6, 2026. |
More Utah car insurance & vehicle laws
- Minimum Car Insurance in Utah
- Driving Without Insurance in Utah
- When a Car Is a Total Loss in Utah
- Transferring a Car Title in Utah
- All Utah car insurance & vehicle laws rules
FAQ
When do you need an SR-22 in Utah, and for how long?
After a conviction for driving uninsured, proof of insurance (such as an SR-22-type certificate of insurance, bond or deposit) must be filed and kept with the department for three years. Generally, anyone required to give proof must maintain it for three years from the date the filing was last requested; if it lapses or is canceled, the license or registration can be refused until proof is re-established.
What is the penalty for driving without insurance in Utah?
Driving (or letting someone drive) a vehicle without insurance, or failing to show proof on demand, is a class C misdemeanor with a minimum fine of $400; the court may waive up to $300 for an owner who gets insurance before sentencing. A second or later offense within three years carries a minimum $1,000 fine. After a conviction, the driver license is suspended and will not be renewed or reissued until proof of insurance is given and kept on file with the Driver License Division for three years.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.