Yes, you can get SR-22 insurance without a car if you purchase a non-owner policy and ask the insurance company to file an SR-22 on your behalf with the state DMV. Non-owner SR-22 insurance verifies that high-risk drivers who do not own a vehicle have the minimum amount of car insurance required by their state.
Non-owner SR-22 insurance is not available if you have access to a vehicle owned by someone in your household. Additionally, if you are required to have an ignition interlock breathalyzer device installed in any car you drive after a DUI, you will not be able to purchase non-owner SR-22 coverage.
The cost of non-owner SR-22 insurance varies by state. Since this coverage applies to people who are less likely to drive regularly, it generally costs less than regular SR-22 coverage.
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.… read full answer
The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re required to have. But because non-owner SR-22 insurance applies only to drivers, and not their cars too, it generally costs less than regular SR-22 coverage.
How Non-Owner SR-22 Insurance Works
Non-owner SR-22 insurance is coverage for drivers who do not own a car but are required by their state to file an SR-22 as verification of insurance. Most states require drivers to file an SR-22 after they are convicted of a major moving violation, such as DUI or reckless driving. This applies even if you don’t own a car, which is where non-owner SR-22 insurance comes in handy.
You will not be eligible for non-owner SR-22 insurance if anyone in your household owns a car. If you purchase a non-owner SR-22 policy, you will only need it for 3-5 years, depending on your state. Those who do not plan on driving in the future can drop their coverage once they are no longer required to have an SR-22 on file.
Yes, SR-22 insurance covers any car that you drive, as long as you file for an owner-operator SR-22 certificate. An owner-operator certificate, which is available in most states, is a type of SR-22 form that covers you when you drive any vehicle, regardless of who owns it.
There are two other SR-22 options that cover you in fewer situations. An owner certificate only covers cars that you own, and a non-owner certificate covers you when you’re required to file an SR-22 but you don’t own a car.… read full answer
Non-owner SR-22 insurance is the cheapest option since you’re less likely to file a claim, but it’s important to note that you’ll have to change your policy if you purchase a car later on. Your insurance company will help you decide which certificate is best for you before they file the SR-22 with the state on your behalf.
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
“SR-22” refers to a form that your insurer will file with the state to prove you have enough coverage to drive legally. Because an SR-22 flags you as a … read full answerhigh-risk driver, your insurer will charge you more than the average policyholder.
Premiums vary based on infraction, company, state, and individual driver. How much coverage you buy also makes a difference in cost. For instance, if you only buy the minimum amount of insurance required by your state, you can fulfill your SR-22 requirement for a lower price than if you purchased a full coverage policy. And since you only need to have an SR-22 for 1-5 years, depending on the state, your premium will eventually go back down.
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