SR-22 insurance in Utah

Utah raised its minimums on 1 January 2025 and moved its clock in May 2025. The filing now runs 3 years from the date proof was last requested — so a second request starts the three years again.

The numbers live in the Insurance Code

Utah's financial responsibility chapter calls the requirement “owner's or operator's security”. The minimum limits of a motor vehicle liability policy are set in the Insurance Code, and for a policy issued or renewed on or after 1 January 2025 they are $30,000 per person / $65,000 per accident / $25,000 property damage — 30/65/25. The authority is Utah Code sec. 31A-22-304(2)(a).

The same subsection offers an alternative: a single limit per accident instead of the three separate amounts. That option is written into the statute and is a legitimate way to meet the minimum.

The old figures are still in the section

The subsection above the current one keeps the pre-2025 amounts, 25/65/15, for policies issued or renewed on or before 31 December 2024. They are correct text for that window and wrong for any policy written now. Since policies renew at least annually, a quote at the old floor is a quote for a policy that no longer meets the section.

Split limits or one single limit

Utah's section lets the minimum be met in two different shapes. The three separate amounts above are one. The other is a single limit of $90,000 per accident, covering injury, death and property damage together. Before 2025 the single-limit figure was $80,000.

The two shapes are not equivalent in every accident. A split policy caps what any one injured person can recover at $30,000; a single-limit policy has no per-person cap inside the total, but one claim can use up the whole amount. Which is better depends on the accident, which is exactly why the statute lets you choose — and why an agency should tell you which shape it has quoted.

Three years from the last request

The duration section was amended effective 7 May 2025, and it now reads: a person required to give proof “shall maintain that proof with the department for a period of three years from the date the filing of proof was last requested.” Utah Code sec. 41-12a-411(1).

The word that matters is last. Every other state on this site anchors the period to a single event — when proof was first required, when it was first filed, when a suspension ended. Utah anchors it to the most recent request. If the Department requests proof again, the three years run from that later date.

What that means in practice

A driver who picks up a second requirement partway through does not run two clocks side by side; the period simply extends to three years from the newer request. The quiet way to finish in three years is not to generate a second one.

Surrendering the registration, and the remainder rule

The same section lets the Department cancel a bond or certificate, return deposited money or securities, or waive the requirement on death or permanent incapacity — or if the person surrenders their registration.

Surrender is not an exit. A new registration application within three years of the date proof was originally required is refused unless the applicant re-establishes proof and maintains it “for the remainder of the three-year period.” Iowa, South Carolina and Illinois run the same remainder rule.

Certificates stay on file until something ends them

An insurance certificate filed as proof continues in force until it is canceled under the chapter's cancellation section, or until the requirement is waived. It describes the vehicles covered “unless the policy is issued to a person who is not the owner of a motor vehicle” — the statutory footing for a non-owner filing in Utah.

Deposits are not returned while a damages action is pending, a judgment is unpaid, or the depositor was in an injury or damage accident in the preceding year.

Moving to Utah, or driving through it

Utah's security requirement has a residence rule written into it. A nonresident owner whose vehicle has been physically present in Utah for 90 or fewer days in the preceding 365 must keep the type and amount of security required where they live. Past 90 days, the vehicle must carry Utah's own security continuously for as long as it remains in the state.

For someone already carrying a filing from another state, that is the point at which Utah's amounts start to matter. An out-of-state policy written at a lower home-state floor may meet the first rule and not the second.

What this page does not cover

Utah's DUI penalties, interlock restrictions and reinstatement fees are set in provisions this site has not read, so none of them is described here. Each runs on its own clock.

A note on sources

The Legislature's statute site did not resolve from the machine this page was built on, so the Utah Code was read from a published reproduction. The Legislature's own addresses are printed beside each citation.

Getting a comparable quote in Utah

Check the quote against the 2025 figures

30/65/25, or the single-limit alternative. A quote at the pre-2025 amounts does not meet the section for a policy written now.

Keep the record clean for the period

Because the period runs from the last request, a new requirement restarts it.

Owner or operator

If you do not own a car, the certificate can be written on a policy issued to a non-owner. The non-owner guide covers the mechanics.

Utah's clock is compared with every other state's in the filing-period guide.

Common questions about the Utah SR-22