Non-Owner SR-22 Insurance in Utah Without a Vehicle
Utah requires 30/65/25 liability coverage and is a no-fault state.
Get My Non-Owner SR-22 QuoteUtah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Utah operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages. The state requires all drivers to carry proof of insurance and will suspend licenses for lapses. SR-22 filing is mandated after DUI convictions, at-fault accidents without insurance, repeated violations, and license suspensions for point accumulation.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Utah
$177–$384/mo
Typical monthly rate in Utah, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Cover Your Filing Before You Own a Car Again
Get My Non-Owner SR-22 QuoteIf your license is suspended
Hardship Limited License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I have to carry SR-22 in Utah after a DUI?
Utah requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date, not the filing date. If your policy lapses or cancels during the 3-year period, the carrier notifies the DMV within 10 days and your license is suspended again until you refile.
What happens if I buy a car while carrying non-owner SR-22 in Utah?
You must convert to a standard owner SR-22 policy within 30 days of purchasing or registering a vehicle. Non-owner policies do not cover vehicles you own, and driving your own car on a non-owner policy leaves you uninsured. Most carriers allow mid-term conversion without penalty if you notify them immediately.
Does non-owner SR-22 cover me if I borrow a family member's car in Utah?
Yes, as long as you have the owner's permission and the vehicle is not registered in your name or regularly available to you. The owner's insurance pays first in an accident, and your non-owner liability coverage applies if their limits are exhausted or they have no coverage.
Which carriers in Utah will write non-owner SR-22 for DUI filers?
The General, Direct Auto, and Acceptance Insurance write non-owner SR-22 policies for DUI filers in Utah. Progressive and GEICO offer non-owner coverage but often decline SR-22 filers with DUI causes — approval depends on how long ago the conviction occurred and whether other violations are present.
Coverage Types
Non-Owner SR-22 Liability
Satisfies Utah SR-22 filing requirements without owning a vehicle. Provides liability coverage when you drive someone else's car with permission.
Uninsured Motorist (Non-Owner)
Covers your injuries if you're hit by a driver with no insurance while driving a borrowed vehicle. Required to be offered in Utah.
Personal Injury Protection
Pays medical bills and lost wages regardless of who caused the accident. Required in Utah at $3,000 minimum.
Higher Liability Limits
Increases bodily injury and property damage limits beyond Utah's 25/65/15 minimum. Protects personal assets if you cause a serious accident.