The cost of non-owner SR-22 insurance depends on where you live. But because non-owner SR-22 insurance policies apply only to drivers, and not their cars too, they generally cost less than regular SR-22 coverage.
What is non-owner SR-22 insurance?
An SR-22 isn't actually a type of insurance. Rather, it's a certificate proving that you have your state's minimum required car insurance coverage. A non-owner policy just happens to be the least expensive option that qualifies in most cases.
A non-owner SR-22 is for drivers who:
- Must file an SR-22 with the state due to high-risk infractions.
- Don't own a car.
- Don't have easy access to a car. (For example, if a roommate or family member in the same house owns a car, that would be easy access.)
Each state requires different levels of coverage, but most mandate some amount of liability protection. Liability insurance comes in two forms: bodily injury and property damage, which help pay for damage you cause to other people or their property when you're driving. At a minimum, you'll pay for liability insurance along with your non-owner SR-22 certificate.
The certificate costs between $15 and $50 (most companies charge $25). But if the state has suspended your license, you first need to pay to reinstate it. Then you need to buy an insurance policy so the insurance company can file your SR-22 certificate with the state.
Where to buy cheap non-owner SR-22 insurance online
Not all insurance companies offer non-owner car insurance, and even fewer offer it at a competitive price. So make sure to compare rates from numerous providers before buying insurance. The following companies are a good place to start:
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