Utah Non Owner SR22 Insurance

Utah Non Owner SR22 Insurance

Utah requires the following drivers to purchase SR22 insurance:

  • Those whose driver’s license has been suspended or revoked for a DUI or for any other violation of motor vehicle laws
  • Those who fail to carry or to provide proof of mandatory no-fault insurance
  • Those with an unsatisfied judgment

Utah’s SR22 insurance requirement lasts for three years from the date of the driver’s license suspension or revocation, or in the case of an unsatisfied judgment, three years from the date of reinstatement.

“Non-owner SR22 insurance” is available to those drivers who do not own or have regular access to a vehicle.

When you purchase a non-owner SR22 insurance policy, your insurance company provides a “non-owner SR22 form,” which proves that you will be able to pay for any damage done to others if you are ever responsible for an accident. As long as you have this form on file with the DPS, the DPS knows that you are insured.

The following limitations apply to an SR22 non owner insurance policy:

  • It is only for individuals who do not own a vehicle
  • It is liability only coverage – comprehensive or collision cannot be added
  • It does not cover vehicles in the policyholder’s household
  • It does not cover vehicles that are frequently driven by the policyholder
  • It is not valid coverage for commercial vehicles or rental vehicles

How Long Do I Need To Maintain Utah Non Owner SR22 Insurance? The typical time period that drivers in Utah State must carry SR22 insurance is three to five years.

Non-Owner SR22 Insurance and Utah Ignition Interlock Law:

If you have been convicted of DUI, you may be required to install an ignition interlock device in your vehicle. In order to fulfill this requirement, you will need to own or have regular access to a vehicle, which means that you will not qualify for a non-owner SR22 policy, and will need to file a traditional SR22 form.