SR22 Non-Owner


An SR22 non-owner policy provides coverage to drivers that are frequent car renters, borrowers and people who do not drive but need proof of insurance to get their driver’s license reinstated. A license may be revoked for traffic convictions, driving under the influence and driving without insurance among other circumstances. In order to reinstate a license, some states require SR22, a certificate of financial responsibility.

You may request an SR22 financial responsibility certificate even if you do not own a car. The certificate ensures a driver has liability insurance in case of an accident. With an SR22 non-owner certificate, a driver is able to operate any vehicle.

A non-owner SR22 insurance policy is common and may be more affordable than an SR22 owner certificate because the driving opportunities are significantly reduced.

Even if you are not a high-risk driver and do not own a car, it is important to have some form of insurance, including a non-owners policy to avoid higher premiums in the future. Insurance companies may see the gaps in coverage and consider a driver to be a higher risk which results in higher premiums.

A non-owners policy is very specific and does not include comprehensive car insurance or collision insurance. It also does not reimburse the policy holder for towing or car rentals and few companies are able to offer medical coverage.

These policies cover body and property liability damages. Body injury liability insurance covers medical costs when you are found at-fault for a collision and a person is injured. Property damage liability covers the repair or complete replacement of damaged property but not the car you are driving.

Because the coverage is more limited, non-owners insurance is typically more affordable than traditional car insurance. People that benefit from these policies are people who frequently borrow and rent cars as the insurance coverage rental companies offer is often expensive.

Drivers that rely on borrowing cars should invest in a non-owners policy. If you are in a serious collision and the damages exceed the car insurance policy limits, the driver may be held responsible to cover the difference. This is when a non-owner policy is beneficial as it picks up the difference and protects the driver.

It is important to note that children of policy holders may not qualify for this type of insurance. If the person has regular access to insured cars, the person should be added to the policy.

Per Illinois law, drivers with an SR22 certificate must have the following minimum amounts in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damages to property of another person

There most common reasons financial responsibility certificates are filed are:

  • DUI/DWI convictions
  • Driving uninsured
  • Driving without a license
  • A revoked or suspended license

Do you need more information about SR22s? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own SR22 for details. SR-22 varies by state, person and insurance company.