What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a type of car insurance for drivers who do not own a vehicle but are required to file an SR-22 with their state. An SR-22 verifies that a high-risk driver has the minimum amount of car insurance required by the state, and a non-owner policy satisfies the requirement if you don't have a vehicle.
Who Needs Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is for drivers who:
- Must file an SR-22 with their state due to high-risk infractions
- Do not own a car
- Do not live in the same household as someone who owns a car
All of the items above must be true for non-owner SR-22 insurance to make sense in your situation. Most states require drivers to have an SR-22 on file after a major moving violation, such as DUI or reckless driving. In general, drivers are required to have an SR-22 for 3-5 years, after which they can cancel the filing.
How Non-Owner SR-22 Insurance Works
If you are required to have an SR-22 on file, you will be notified by your state’s DMV or by the district court. If you do not own a car but wish to continue driving, you will need to purchase a non-owner car insurance policy and notify your insurance company about the SR-22 requirement. Your insurance company will add the SR-22 endorsement to your non-owner car insurance policy and file the SR-22 form for you.
After your mandated SR-22 filing period ends, you will have to call your insurance company to remove the SR-22 from your driving record. If you let your non-owner SR-22 insurance lapse during your mandated filing period, your license will likely be suspended or revoked, and you may also be fined.
How Much Is Non-Owner SR-22 Insurance?
The filing fee for an SR-22 form is between $15 and $25. The cost of a non-owner insurance policy for someone who needs to file an SR-22 varies based on state coverage requirements, driver characteristics, and differences in pricing from one insurance company to the next. But a non-owner SR-22 policy is usually cheaper than standard SR-22 insurance because the driver isn’t regularly on the road.
Learn more about how much non-owner SR-22 insurance costs.
How to Get Non-Owner SR-22 Insurance
1. Contact an insurer to purchase coverage
Most major insurance companies offer non-owner insurance. But because it’s a unique type of coverage, you will need to call a local agent in order to get a quote.
Since an SR-22 requirement makes you high-risk, you may have to contact multiple companies in order to get coverage, depending on the specifics of your driving history. In general, it’s a good idea to get quotes from three separate insurers to make sure you’re getting the best deal.
2. Ask your insurer to file the SR-22 on your behalf
Your non-owner insurance provider will file the SR-22 form with your state’s DMV, and you will be charged the $15 - $25 filing fee. Once you no longer need the SR-22, you can request that your insurer cancel the filing.
3. Maintain continuous coverage
It’s crucial that you do not let your coverage lapse while you are required to have an SR-22 on file. Even if you don’t plan on driving, allowing your car insurance coverage to lapse while you have an SR-22 on file will cause the clock to reset, meaning that you will need to maintain the SR-22 for a longer period of time.
Learn more about how to get non-owner SR-22 insurance.