SR-22 Insurance for Non-Owners in Utah
Key takeaways
- Utah requires $65,000 per accident for bodily injury.
- The 0.05% BAC limit means more DUI-related filings.
- Utah is a no-fault state, so PIP applies.
Utah stands out in two ways: an unusual 25/65/15 liability minimum and a 0.05% legal alcohol limit, the strictest in the nation. Both shape what your non-owner SR-22 looks like.
- Form required
- SR-22
- Liability minimum
- 25/65/15 plus PIP
- How long
- Typically 3 years
- Who processes it
- Utah Driver License Division
How to get a non-owner SR-22 in Utah
- Contact the Utah Driver License Division
- Buy a non-owner policy at 25/65/15 with the required PIP
- Have the SR-22 filed
- Complete any interlock or program requirements
- Pay reinstatement fees
What makes Utah different
Utah's lower legal limit catches drivers who would be under the threshold elsewhere. If you were charged near the 0.05% line, talk to a Utah attorney about your options before reinstatement.
Utah questions drivers ask
What does 25/65/15 mean in Utah?
$25,000 per person and $65,000 per accident for injuries, plus $15,000 for property damage.
Does Utah's 0.05% law affect SR-22 rates?
Indirectly. More drivers end up with DUI records, which carry higher premiums.
State rules change. Confirm your requirements with the Utah Driver License Division before you buy a policy.