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You cannot get non-owner SR-22 insurance in New York, since New York does not require high-risk drivers to file an SR-22 to prove they have insurance. But drivers in New York who do not have regular access to a car can still buy a non-owner policy to ensure sufficient liability coverage while driving borrowed or rented cars.
Non-owner policies only cost an average of $200-$500 annually, since they do not cover a specific vehicle and policyholders are less likely to file a claim than car owners. For more information, check out WalletHub’s guide to non-owner car insurance.
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