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You can get non-owner SR-22 insurance in Virginia by purchasing a non-owner car insurance policy and asking your insurer to file an SR-22 on your behalf. Alternatively, drivers in Virginia who are convicted of DUI will need to get non-owner FR-44 insurance, which requires them to buy more coverage than normal. Non-owner insurance allows drivers in Virginia to fulfill their SR-22 or FR-44 requirement and maintain auto insurance coverage if they do not have regular access to a car. Most insurers will not sell you a non-owner policy if another member of your household has a car, even if it’s not registered in your name.
To be clear, SR-22 is not actually a type of insurance. Instead, it’s a form that an insurance company files with the state to prove that a driver has enough insurance to drive legally. Drivers are often required to file an SR-22 after a conviction for a serious offense such as reckless driving or if they have a history of moving violations.
When shopping for non-owner SR-22 insurance in Virginia, it’s best to get quotes from multiple insurance companies in order to compare prices. Just like with any auto insurance policy, non-owner car insurance premiums will vary based on the provider as well as factors like the policyholder’s age and driving history.
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