Can you get SR-22 insurance without a car? This question is about SR-22 Insurance Guide

Can you get SR-22 insurance without a car?

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This question is about SR-22 Insurance Guide

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@WalletHub • 01/08/21 This answer was first published on 01/08/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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How much does non-owner SR-22 insurance cost?

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.

The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...

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Does SR-22 cover any car I drive?

Yes, SR-22 insurance covers any car you drive, as long as you have 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...

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How much does SR-22 insurance cost per month?

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.

It costs $25 to $50 to file an SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a...

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