Non-owner SR-22 insurance is car insurance for drivers who do not own a vehicle but are required to file an SR-22 with their state. An SR-22 is a form verifying that a high-risk driver has the minimum amount of car insurance required by the state, and it is needed even if the driver doesn’t own a car. That is where non-owner SR-22 insurance comes in handy. It allows drivers to fulfill their state’s insurance requirements even if they don’t have a vehicle to insure.
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; and
- Do not live in the same household as someone who owns a car.
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.
Non-Owner SR-22 Insurance Cost
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.
How to Buy 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.
