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Non-owner SR-22 Insurance
What is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is for people who don’t own a car but are required to file an SR-22 form with their state’s DMV. An SR-22 is a certificate from your state that proves financial responsibility, often required for high-risk drivers to legally drive.
If you live in a household where someone else owns a car, you’re not eligible for non-owner SR-22 insurance.
How Much Does Non-Owner SR-22 Insurance Cost?
SR-22 insurance without a vehicle is relatively cheap. Filing an SR-22 certificate usually costs around $25 but can vary by state and insurance company. After that, non-owner SR-22 insurance is slightly more, about 3-5% more, than non-owner auto insurance. Non-owner car insurance is generally less expensive than regular car insurance since it excludes collision insurance and comprehensive coverage.
If someone in your household owns a car, you may not qualify for this type of auto insurance policy.
A Non-owner SR-22 isn’t an insurance policy but a necessary certification that you carry liability coverage as a high-risk driver. The price for an SR-22 is constant across the board for owners and non-owners, but you’ll find that non-owner policies cost less than owner policies.
Who Needs Non-Owner SR-22 Insurance?
Even if you don’t own a vehicle you may need to file an SR-22 if you drive and have committed a major traffic violation. This could be if you are driving a vehicle owned by someone else or a rental car.
For example you may need an SR-22 if your personal vehicle was totaled in an accident but you still need to drive for work or other important reasons. In these cases non-owner insurance combined with an SR-22 filing will meet state minimum insurance requirements.
You will need to request a non-owners SR-22 from your insurance company to keep your driving privileges or get your drivers license reinstated.
Non-owner SR-22 insurance is for:
- License Suspensions: If your license is suspended or revoked you may need SR-22 to get it back.
- High-Risk Drivers: Drivers with major traffic violations like DUIs may need to carry SR-22.
- Moving to a New State: If you move to a state that requires SR-22 documentation you may need a policy with an attached SR-22.
What Does Non-Owner SR-22 Insurance Cover?
Non-owner SR-22 insurance prevents you from being penalized for driving without insurance if you drive someone else’s vehicle. This policy protects your driving privileges so your license isn’t revoked.
Non-owner SR-22 insurance provides proof of minimum state required liability coverage. It covers you for basic liability which pays for damages or injuries to others if you are at fault in an accident. It does not include other types of coverage such as collision or comprehensive. Most states only require minimum liability coverage and the SR-22 certifies you meet those legal requirements.
A Non-owner SR-22 must stay active and be filed by your insurance providers annually for three to five years. The lifespan of a Non-owner SR-22 depends on the state. You’ll always have to carry your minimum liability auto insurance, but if you strive to be a safer driver, you will no longer need an SR-22 after your requirement period ends.
How Do I Purchase Non-Owner SR-22 Insurance?
To get non-owner SR-22 insurance start by finding an insurance company that offers SR-22 policies. Compare quotes from multiple companies to get a good rate. Once you have a policy your insurer will file the SR-22 form with the state. Note: Most states require insurers to report lapses or cancellations in coverage which can make future insurance applications more complicated.
How Long Do I Need Non-Owner SR-22 Insurance?
SR-22 requirements vary by state but is usually 2-5 years. If you get a car or start using a household car, notify your insurer to switch to a standard SR-22 policy. Once the required period is over and you meet all requirements you can go back to regular insurance policies.
Free Non-Owner SR-22 Car Insurance Quotes Online!
If you have questions about finding non-owner SR-22 car insurance, Insurance Navy has agents that can help you find the right affordable coverage. Contact us today for a fast online insurance quote or by calling us at 888-949-6289 or by visiting us at one of our local offices.
Frequently Asked Questions
Is Non-Owner Car Insurance the Same as Non-Owner SR-22?
No, they are not. Non-owners insurance is liability coverage for renters and borrowed vehicles only. Non-owner SR-22 is for high risk drivers who have been ordered to file an SR-22 with their state DMV after a major traffic violation. The SR-22 is to ensure they are in compliance with the state’s minimum coverage requirements so the state knows the driver is not an uninsured motorist.
Is Non-Owner SR-22 Auto Insurance Really Required?
Yes, if your state has deemed you a high-risk driver and requires an SR-22 filing. Even if you don’t own a car, you must show proof of high risk insurance to meet state requirements and keep your license.
What Vehicles Are Covered Under a Non-Owner Policy?
A non-owner policy covers vehicles you might drive occasionally, like when borrowing a car from a friend. It does not cover vehicles in your name, at your residence, or provided to you for regular use. If you buy a vehicle, register one in your name, or get regular access to a car, you must notify your agent right away to switch to an owner policy.
What Happens If My Non-Owner SR-22 Expires?
Payment is due on any insurance policy, including non-owner SR-22. If your policy lapses for non-payment, your insurance company must notify the state right away. In that case, the state may suspend or revoke your license until you get a new policy and file a new SR-22.