Non-owner SR-22 car insurance is an affordable option if you’re required to have car insurance to have your driver’s license reinstated but don’t currently own a car. It’s a form of liability insurance.
Non-owner insurance is less expensive than regular insurance, but an SR-22 will make any coverage more costly.
SR-22 insurance will help you meet your state’s minimum insurance coverage requirements, such as liability coverage.
Your auto insurance provider will take care of your SR-22 filing requirement for you.
can help you increase the odds of finding a cheaper premium.
What is an SR-22 non-owner policy?
A non-owner SR-22 policy—sometimes called an operator or named operator policy—allows you to meet the state’s insurance requirements for reinstating your license if you don’t have a personal vehicle.
for a certain period of time after you’ve had a license suspension for a major driving infraction, like a DUI, reckless driving, or repeatedly driving without insurance.
If that happens, the court may rule that you must carry the minimum insurance required by that state before you can regain your driving privileges.
An SR-22 is a form that is filed with the state that legally proves that you’re carrying the state minimum insurance. Your insurance company will file the SR-22 form for you once you’ve purchased an auto insurance policy that meets those minimums.
If the state requires you to have SR-22 insurance, you must carry coverage even if you do not have a vehicle.
A non-owner SR-22 policy will cover you if you’re driving a car that you’ve borrowed or rented. However, it will not cover you if you’re driving a vehicle that belongs to someone you live with. For that, you’d need regular SR-22 coverage.
Key Takeaway: An SR-22 non-owner policy is insurance that allows you to meet a legal requirement to carry proof of insurance, even if you don’t have a car.
Who should get non-owner SR-22 insurance?
If you’re required to file an SR-22 due to a high-risk driving infraction like a DUI/DWI, you might choose non-owner SR-22 insurance if you:
Non-owner SR-22 insurance is liability insurance: Your policy will meet the state’s minimum requirements for insurance to cover the damages you might cause to other people and property. This does not pay for your medical bills or repairs to the vehicle you’re driving.
It provides minimum coverage: Your policy will likely include a combination of property damage liability and bodily injury liability protection, along with other types of insurance your state might require. This can protect you from having to pay out-of-pocket expenses to a third party if you’re responsible for an accident.
It is not full coverage: Since a non-owner insurance policy doesn’t cover the vehicle you’re driving, don’t expect to have comprehensive or collision insurance. If you cause an accident, you will still be responsible for any damages to the vehicle you’re driving, your property, or yourself.
Consider protecting yourself with an insurance policy that provides more than the state’s minimum insurance.
Key Takeaway: Non-owner SR-22 insurance will only cover damages to another vehicle if you get into an accident.
What does non-owner SR-22 insurance cost?
If you have to get non-owner SR-22 insurance due to a bad driving record, your premiums will be higher than they would with regular insurance.
That said, a non-owner car insurance policy with an SR-22 requirement will still typically cost less than standard SR-22 insurance.
The exact cost of your policy will vary depending on the insurance requirements in your state, your driving record, and the insurance company with which you hold your policy.
Cost to file: Once you’ve purchased your policy, there is usually a $15-$25 filing fee to file your SR-22 certificate with the state. Usually, you’ll pay this fee to your insurance provider who will then file the form on your behalf.
How to buy non-owner SR-22 insurance
SR-22 insurance rates can be pricey, and some companies don’t cover high-risk drivers. But that doesn’t mean you have to lose your car insurance coverage or get stuck paying high prices.
make things easier for you. Our team of expert licensed insurance agents can walk you through the requirements of SR-22s and help you find an affordable SR-22 policy.
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