Non-Owner SR-22 Insurance

You can get non-owner SR-22 insurance by calling insurance companies that offer it, such as Geico, Progressive, Esurance, State Farm, The General and Dairyland, and then buying a policy. Non-owner SR-22 insurance is for people who do not have regular access to a car but need to file an SR-22 with their state to prove they have insurance. An SR-22 is not actually a type of insurance, but a form that the insurance company will send to the DMV.

It's important to note that many insurers won't provide non-owner policies to people with a car in their household, even if the vehicle is registered under a different name. So if you live with a spouse, family member, or even a roommate who owns a car, you might not be eligible. In addition, if you have a non-owner policy and fail to switch to an owner policy when you buy a car, the insurer will likely deny any claims that you file.

How Non-Owner SR-22 Insurance Works

Non-owner insurance includes liability coverage by default, although some companies allow drivers to add more coverage as well. Non-owner policies are also secondary coverage, which means that if you crash a borrowed car, the owner's insurance will pay first. Then, your non-owner policy will kick in to cover any leftover balance. 

Standard non-owner insurance policies are generally cheaper than insurance with a car, particularly since non-owners drive much less frequently. However, drivers who need an SR-22 usually pay more than drivers who don't need one, since an SR-22 indicates increased risk for the insurer.

Where to Get Non-Owner SR-22 Insurance

Like any other insurance policy, you should always compare quotes when looking for non-owner SR-22 insurance. Insurers usually offer quotes for non-owner policies over the phone, so be prepared to call several companies. By getting multiple quotes, you can ensure that you have sufficient coverage for your needs at the lowest price.

If you can't find a non-owner policy through a regular insurer, nonstandard insurance companies that specialize in high-risk drivers could be a good option.

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.

Yes, you can drive with a non-owner SR-22 insurance policy, as long as you don't own the car. Non-owner SR-22 insurance provides enough coverage for you to legally drive any rented or borrowed car while fulfilling your state's SR-22 requirements. Specifically, non-owner SR-22 insurance can cover your own medical expenses as well as other people's property damage and injuries if you cause an accident. 

A non-owner insurance policy is coverage for someone who doesn't own a car but needs to verify that they meet their state's insurance requirements after being convicted of a major moving violation like DUI or reckless driving. Drivers can only get a non-owner policy if they do not live with anyone who owns a car. 

Non-owner SR-22 insurance is typically cheaper than standard SR-22 coverage, since the policyholder isn't insuring a specific car or driving regularly. Drivers will have to keep their policy active for 1-5 years, depending on their state, but they can cancel it once the SR-22 requirement expires.

To learn more, check out WalletHub's guide to non-owner SR-22 insurance.

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 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.

You cannot get non-owner SR-22 insurance in North Carolina, since North Carolina does not require high-risk drivers to file an SR-22 to prove they have insurance. But drivers in North Carolina 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.

You can get non-owner SR-22 insurance in California by purchasing a non-owner car insurance policy and asking your insurer to file an SR-22 on your behalf. Non-owner SR-22 insurance allows drivers in California to fulfill their SR-22 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 DUI or if they have a history of moving violations.

When shopping for non-owner SR-22 insurance in California, 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.

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 required to file an SR-22 but you don't own a car.

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. 

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 high-risk driver, which explains why your insurer will charge you more than the average policyholder for coverage.

SR-22 Insurance Cost by Company

Factors That Affect SR-22 Insurance Costs

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.

To learn more, check out WalletHub's complete guide to SR-22 insurance.

Progressive offers non-owner SR-22 insurance, but you have to call 1-866-749-7436 to get a personalized quote and find out the cost. Progressive does not offer online quotes for non-owner SR-22 insurance.

SR-22 insurance is for drivers considered “high-risk” by the state. If you are required to file an SR-22 but don't have a car, you'll need a non-owner SR-22 policy. This proves you meet state minimum insurance requirements whenever you drive and while operating any car. Progressive will file your SR-22 document with the department of motor vehicles after you purchase your policy, and the filing fee is usually about $25.

Non-owner car insurance is less expensive than standard coverage, but it will cost more with an SR-22—likely twice as much or more. Still, non-owner SR-22 insurance will be cheaper than a standard policy with an SR-22.

Non-owner insurance is a car insurance policy that provides bodily injury and property damage liability coverage for drivers who don't own a car. Non-owner insurance is cheaper than a standard car insurance policy and can be purchased by anyone with a valid driver's license who does not have regular access to a specific vehicle. Even living with someone who owns a car could jeopardize your eligibility for non-owner insurance.

 What Non-Owner Insurance Covers

• Injuries to other drivers in accidents that you cause.
• Property damage, excluding damage to the vehicle you're driving.
• Accidents caused by uninsured/underinsured motorists.

You can use non-owner insurance coverage for many things, including borrowing a car, renting a car, using a car-sharing service, or reinstating your license after a serious traffic violation.

Typically, non-owner insurance costs between $200 and $500 per year—although this varies depending on your location and driving history. On the other hand, a standard owner policy will cost an average of $716 per year for minimum coverage.

To learn more, check out WalletHub's guide to non-owner car insurance.